Senior Management Approval Analyst (Night shifts)

Location: Global

Team: General

About the Role

Wise, a global technology company revolutionizing the way the world moves and manages money, is seeking a Senior Management Approval Analyst for night shifts in our Tallinn team. In this critical role, you will ensure compliance with regulatory standards by conducting enhanced due diligence on high-risk customers, analyzing transaction histories and behavior patterns, and approving onboarding for AML High Risk cases involving high-risk countries and low-tax jurisdictions. Your work directly supports Wise's mission for transparent, borderless money movement while protecting customers from financial crime. As a senior team member, you will exercise discretion in prioritizing cases, mentor junior analysts, contribute to process improvements and policy updates, and handle complex escalations across multiple geographies. With a deep understanding of AML/CFT regulations and strong analytical skills, you will draft reports, support audits, and drive our financial crime program forward. If you thrive in a high-pressure, fast-paced environment and are passionate about compliance innovation, join us to make a global impact. This night shift role offers 2400-2775 EUR monthly, flexible working options, and Wise's renowned benefits package, including RSUs, health insurance, and professional growth opportunities.

Key Responsibilities

• Review and assess High Risk customers to provide analysis and approval as per policies
• Review customer transaction history and provide insights into behaviour patterns
• Conduct periodic reviews and analyse changes in customer history and account usage
• Conduct in-depth analysis using documentation or external sources
• Perform searches using Internet sources and/or third-party vendors
• Communicate with internal teams on escalated cases
• Mentor and support KYC Operations Analysts through training and coaching
• Assist in projects, policy updates, and drafting reports

Required Qualifications

• Excellent verbal and written English skills (additional language skills are a plus)
• Minimum of 3 years working experience in DD, AML or similar Financial Crime compliance role
• Good understanding of regulatory framework surrounding customer verification
• Good understanding of AML/CFT Regulations and ability to document reasoning
• Ability to work during night hours on an ongoing basis

Preferred Qualifications

• Experience from a market that Wise currently operates in
• Familiarity with reading legal and regulatory documents
• Experience drafting SAR narratives

Required Skills

• Decision-making and risk-based approach
• Excellent communication and interpersonal skills
• Strong organisational skills and attention to detail
• Analytical skills
• Ability to adhere to strict KPIs in fast-paced environment
• Punctual, independent, and proactive
• Ability to handle routine and stressful situations
• Deep understanding of business models, customer types, and country risks
• Effective customer communication via phone, email, and chat
• Ability to identify gaps in policies and provide feedback

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.