LemFi (YC S21) is building the neobank for African diaspora in North America & Europe. We provide our users with a multi-currency account that allows them to hold, send, and receive money from Africa in any currency for their business and personal banking needs. We are a fast-paced startup with entities in the UK, USA, Canada and Nigeria and you would be required to familiarize yourself with necessary statutory and regulatory requirements in these locations.
We are recruiting to fill the position below:
Job Title: CDD Operations Analyst
Location: Remote
Employment Type: Full time
Department: Compliance Operations
About the role
- LemFi is the financial engine for people the world wasn't built to serve, processing remittances, multi-currency accounts, credit, savings and eSIMs across more than 21 countries. Our Compliance Operations team is the reason our customers can trust every transaction they send.
- As an CDD Operations Analyst within the Client Due Diligence Operations team, you will play a critical role in protecting LemFi and its customers from financial crime while enabling safe and seamless access to our products. Reporting to the Financial Crime Operations or Customer Due Diligence (CDD) Manager , you will operate at the heart of day to day compliance decision making, balancing regulatory obligations with customer experience in a fast growing fintech environment.
- In this role, you will review alerts, assess customer risk, perform due diligence, and respond to partner and customer compliance requests. You will contribute directly to maintaining strong AML and CFT controls while supporting LemFi’s mission to deliver accessible and trustworthy financial services at scale.
What you'll build and own
- Review & Decide: Assess transaction monitoring, customer verification, and sanctions screening alerts and make accurate, timely decisions.
- Investigate Risk: Perform enhanced due diligence on higher risk customers and provide clear, well reasoned recommendations to Compliance leadership.
- Escalate Appropriately: Conduct first level reviews of customers or transactions displaying red flags and escalate suspicious activity when required.
- Support Partners: Fulfill due diligence and RFI requests from payments and banking partners in line with agreed SLAs.
- Serve Customers: Respond to compliance related customer tickets with clarity, professionalism, and empathy.
- Collaborate & Learn: Work cross functionally and continuously build knowledge of emerging AML typologies, risks, and criminal trends.
Nice to have:
- Risk Minded: You apply sound judgement when assessing customer and transaction risk, balancing control with customer impact.
- Detail Oriented: You spot inconsistencies and red flags that others may miss, ensuring high quality case outcomes and notes.
- Ownership Driven: You take responsibility for your decisions and follow cases through to completion without constant oversight.
- Adaptable: You are comfortable working in a fast changing environment with evolving regulations and priorities.
- Use Data to Support Decisions: Review alert and case information to support accurate decision making under guidance from senior team members.
- Collaborative: You work well with global teams and support shared outcomes over individual wins.
Your experience
- 1 - 3 years of AML and/or CDD compliance experience within a fintech, financial institution, or advisory/audit company.
- Hands on experience with KYC reviews, ID verification, enhanced due diligence, sanctions and transaction monitoring alerts.
- Ability to independently assess customer risk and make defensible decisions.
- Strong written and verbal communication skills in English.
- Proficiency in Microsoft Office or Google Sheets for case management and reporting.
- Excellent organisational skills with strong attention to detail.