Senior Compliance Analyst – AML Monitoring & Assurance

Coinut is seeking a hands-on and detail-oriented Senior Compliance Analyst to join our Compliance team.

This is a mid-level compliance role focused primarily on transaction monitoring, periodic KYC and KYB reviews, counterparty and outsourcing due diligence, compliance monitoring and training support.

The successful candidate must have practical experience in both KYC/KYB and transaction monitoring. This is not primarily a first-level customer onboarding role. However, the Senior Compliance Analyst will provide backup support for onboarding when KYC Officers are unavailable and assist with complex or higher-risk cases.

The role will work closely with the Compliance Officer and MLRO to support the effective implementation and oversight of Coinut’s AML/CFT and compliance controls.

Key Responsibilities

1. Transaction Monitoring

• Review and investigate transaction monitoring alerts involving fiat, cryptocurrency and blockchain-related activity.

• Assess customer activity against the customer’s profile, expected transaction behaviour, source of funds and assigned risk rating.

• Conduct further investigation and request supporting information where necessary.

• Clearly document investigation findings, decisions and escalation rationale.

• Escalate potentially suspicious or unusual activity to the MLRO for further review.

• Support the review of transaction monitoring rules, scenarios, thresholds and alert quality.

• Identify recurring alert issues, control gaps and areas requiring process improvement.

• Conduct quality assurance or sample reviews of completed transaction monitoring cases where required.

2. Periodic KYC and KYB Reviews

• Conduct risk-based periodic reviews of individual and corporate customers.

• Review and update customer identification information, corporate documents, ownership structures, beneficial owners, business activities and expected transaction profiles.

• Review actual transaction activity against the customer’s declared business and expected account usage.

• Reassess customer risk ratings and determine whether enhanced due diligence is required.

• Identify material changes in customer profiles, ownership, business activities or transaction behaviour.

• Escalate higher-risk, unusual or potentially suspicious cases to the MLRO.

• Ensure periodic reviews are completed within the required timelines and properly documented.

• Maintain periodic review trackers and follow up on outstanding documents, reviews and remediation actions.

3. Counterparty Due Diligence

• Conduct initial and periodic due diligence on banking partners, payment providers, liquidity providers, exchanges, custodians and other relevant counterparties.

• Review the counterparty’s ownership, regulatory status, business activities, AML/CFT framework, sanctions controls, financial condition and reputation.

• Coordinate responses to due diligence requests received from banks, counterparties and other business partners.

• Maintain counterparty due diligence records, review dates, outstanding information and renewal deadlines.

• Identify counterparty risks and escalate material concerns to the relevant Compliance Officer or management.

• Follow up with internal stakeholders to ensure counterparty reviews are completed on time and account restrictions or service interruptions are avoided.

4. Outsourcing Due Diligence and Registry

• Conduct initial and periodic due diligence on outsourced service providers and material vendors.

• Assess providers’ ownership, regulatory status, financial condition, information-security controls, business continuity arrangements and compliance framework.

• Identify outsourcing risks and recommend appropriate controls or mitigating measures.

• Maintain and update the company’s outsourcing registry.

• Ensure the outsourcing registry accurately records material information, including:

  • Service provider details;

  • Services and functions outsourced;

  • Responsible internal owner;

  • Risk classification and materiality;

  • Due diligence and approval dates;

  • Contract commencement and renewal dates;

  • Data access and processing arrangements;

  • Business continuity considerations;

  • Ongoing monitoring requirements; and

  • Outstanding issues or remediation actions.

• Monitor upcoming outsourcing review dates, contract renewals and outstanding remediation actions.

• Support ongoing oversight and risk assessment of material outsourcing arrangements.

• Assist with preparing outsourcing information required for audits, regulatory reviews or management reporting.

5. KYC and KYB Onboarding Support

• Provide backup support for initial individual and corporate customer onboarding when KYC Officers are unavailable or additional support is required.

• Assist with complex, higher-risk or unusual onboarding cases.

• Review escalated onboarding cases and advise on additional information, supporting documents or enhanced due diligence requirements.

• Support reviews involving complex ownership structures, higher-risk jurisdictions, source of funds or source of wealth concerns.

• This role is not expected to perform routine first-level onboarding as its primary responsibility.

6. Compliance Training

• Support the preparation and delivery of compliance training covering areas such as AML/CFT, sanctions, transaction monitoring, suspicious activity indicators and cryptocurrency-related risks.

• Assist with updating training presentations, case studies, internal guidance and other training materials.

• Monitor completion of mandatory compliance training and follow up with outstanding participants.

• Maintain training attendance and completion records.

• Help ensure training content remains practical, current and relevant to the company’s activities and risk profile.

Mandatory Requirements

• Bachelor’s degree in law, accountancy, finance, business, compliance or a related discipline.

• Minimum of five years of relevant AML, KYC, KYB or compliance experience within financial services, payments, fintech or the cryptocurrency industry.

• Demonstrable hands-on experience in both:

  • KYC or KYB, including customer due diligence, enhanced due diligence or periodic reviews; and

  • Transaction monitoring investigation and escalation.

• Experience reviewing both individual and corporate customers.

• Ability to independently investigate transaction monitoring alerts and prepare clear case conclusions and escalation narratives.

• Good understanding of AML/CFT, sanctions, customer risk assessment, beneficial ownership and suspicious transaction escalation requirements.

• Strong attention to detail and the ability to manage multiple reviews, cases, trackers and deadlines.

• Strong written and verbal communication skills in English.

• Ability to work independently and effectively in a remote, fast-paced and changing environment.

Preferred Experience

• Experience in cryptocurrency, digital assets, blockchain analytics or virtual asset service providers.

• Experience conducting counterparty due diligence.

• Experience conducting outsourcing or third-party provider due diligence and maintaining an outsourcing registry.

• Familiarity with blockchain analytics, transaction monitoring, screening or case-management systems.

• Experience supporting compliance monitoring, internal audits or regulatory inspections.

• Experience preparing or delivering compliance training.

• Relevant professional qualifications such as CAMS, ICA, ACAMS or another recognised AML or compliance certification.

Suitable Candidate Profile

This position is suitable for an experienced Compliance Analyst, Senior AML Analyst, Transaction Monitoring Analyst or KYC/KYB Analyst who has progressed beyond routine onboarding work.

The ideal candidate should be comfortable independently handling transaction monitoring investigations, periodic KYC and KYB reviews, counterparty due diligence, outsourcing oversight and compliance monitoring.