FinCrime Operations Senior Analyst (AUP Analyst)

Location: Global

Team: General

About the Role

Wise is a global technology company revolutionizing how people and businesses move and manage money across borders with minimal fees and maximum ease. As a FinCrime Operations Senior Analyst (AUP Analyst) in our Tallinn team, you'll play a crucial role in investigating and monitoring high-risk customers to ensure compliance with regulations, our risk appetite, and Wise's Acceptable Use Policy. This position offers the chance to dive deep into complex cases, leveraging a broad compliance framework while contributing to process enhancements and exceptional customer experiences. Your day will involve performing thorough due diligence across diverse data sources, making risk-based decisions with auditable documentation, and collaborating across teams to evolve our policies and tools. With a focus on high-risk customers spanning multiple geographies, you'll analyze business models, mitigate risks, and escalate concerns as needed, all while representing our operations to regulators. This role demands sharp attention to detail, proactive problem-solving, and strong communication skills to balance regulatory rigor with customer empathy. Joining Wise means being part of a diverse, inclusive team committed to money without borders. We're seeking punctual, independent talent based in Tallinn ready to make a meaningful impact in FinCrime operations. Apply soon with your resume and cover letter in English!

Key Responsibilities

• Review and monitor risky and complex customer cases
• Perform due diligence on customers and businesses using various data sources
• Take risk-based case decisions with documented records
• Communicate with customers on escalated cases with empathy
• Contribute to process improvements and tooling enhancements
• Escalate suspicions to AML and Fraud teams
• Share AUP expertise across teams and deliver great customer experience
• Represent policies and processes to regulators and auditors

Required Qualifications

• Excellent verbal and written English skills
• Ability to multitask and take responsibility in different situations
• Strong attention to detail and ability to handle routine tasks
• Punctual, independent, proactive, and willing to get things done
• Good communicator able to work in a cross-team environment
• Already based in Tallinn, Estonia (no relocation support)

Preferred Qualifications

• Compliance or banking background
• Deep knowledge of Wise compliance framework and regulatory environment
• Experience with high-risk customer investigations

Required Skills

• Deep understanding of business models and customer types
• Knowledge of country risks and regulatory requirements across geographies
• Risk-based decision making
• Due diligence using websites, financial statements, and AML policies
• Customer empathy and clear communication
• Process improvement and issue identification
• Cross-functional collaboration
• Analytical skills for risk factor evaluation
• Attention to detail
• Proactivity in high-pressure environments

Benefits

• 2175 EUR gross/monthly salary
• RSUs (stock options)
• Flexible working
• Me days and mission days
• Paid sabbatical after 4 years
• Learning budget
• Health insurance
• Company retreats
• Wise card

Wise is an equal opportunity employer committed to building a diverse workforce.