KYC Operations Associate Analyst

Location: Global

Team: General

About the Role

Wise is a global technology company revolutionizing the way people and businesses move and manage money worldwide, with minimal fees, maximum ease, and full speed. As a KYC Operations Associate Analyst in our Tokyo team, you'll ensure Wise meets regulatory and compliance standards by conducting thorough customer due diligence, analyzing activities, and maintaining up-to-date KYC records. This role is perfect for those passionate about developing expertise in the KYC domain within a dynamic, mission-driven environment. Your key responsibilities include performing CDD and EDD reviews using a risk-based approach, verifying customer information from various sources like identity documents and adverse media, monitoring transactions for suspicious patterns, and escalating high-risk cases. You'll communicate effectively with customers, document decisions meticulously, and meet strict KPIs in a fast-paced setting, contributing to Wise's safer financial network for everyone, everywhere. Join a diverse, inclusive team that values flexible working, professional growth, and global impact. With competitive compensation starting at JPY 5,900,000 annually plus RSUs, and benefits like health insurance and company retreats, you'll thrive while helping build the future of money without borders.

Key Responsibilities

• Conduct initial and ongoing Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) reviews
• Take risk-based-approach decisions ensuring risk mitigation standards are met
• Collect, analyse, and verify customer information according to KYC/AML guidelines
• Review customer transaction history and provide insights into customer behaviour patterns
• Conduct periodic reviews and analyse changes in customers history and account usage
• Ensure customer records are accurate and updated as required
• Perform and document customer risk assessment and escalate when necessary
• Identify potential money laundering and fraudulent activities and file Suspicious Activity Reports
• Effective communication with customers via phone, email, and chat
• Perform tasks within expected key performance indicators and participate in meetings/training

Required Qualifications

• Native level verbal and written Japanese skills and intermediate verbal and written English skills
• Minimum of 1+ years of experience in Operations (preferably in CDD/EDD/AML, CS, compliance related roles)
• Hold Japanese citizenship, Permanent Residency or Child/Spouse of Japanese Citizen Visa
• Ability to take decisions and apply risk-based approach at your work
• Punctual, independent, proactive and willing to get things done
• Excellent communication and interpersonal skills, strong organisational skills, attention to detail, analytical skills, and ability to adhere to strict KPIs in a fast paced and high pressure environment
• Ability to handle routine and work autonomously within a limited variety of well-defined procedures and practices
• Flexible to work in shifts including early mornings, day times, afternoons, late evenings, weekends and public holidays

Preferred Qualifications

• Bachelor’s degree in Finance, Business Administration, Law, or related field
• ICA, CAMS, or equivalent certification (CDD/EDD focused)
• Capable of identifying gaps in policies and processes and providing detailed feedback

Required Skills

• Native Japanese (verbal and written)
• Intermediate English (verbal and written)
• Customer Due Diligence (CDD)
• Enhanced Due Diligence (EDD)
• KYC/AML compliance
• Risk assessment and decision-making
• Transaction monitoring
• Analytical thinking
• Attention to detail
• Customer communication

Benefits

• RSUs (stock options)
• Flexible working
• Parental leave
• Learning budget
• Paid sabbatical after 4 years
• Health insurance
• Company retreat
• Wise card

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