KYC Analyst

Bitpanda

WHO WE ARE  We simplify wealth creation. Founded in 2014 in Vienna, Austria by Eric Demuth, Paul Klanschek and Christian Trummer, we’re here to help people trust themselves enough to build their financial freedom — for now and the future. Our user-friendly, trade-everything platform empowers both first-time investors and seasoned experts to invest in the cryptocurrencies, crypto indices, stocks*, precious metals and commodities* they want — with any sized budget, 24/7. Our global team works across different cultures and time zones, bringing our products to more than 7 million customers, making us one of Europe’s safest and most secure platforms that powers modern investing.   Headquartered in Austria but operating across Europe, our products are built by fast-moving, talented, “roll-up-your-sleeves-and-make-it-happen” kind of people. It’s these diverse perspectives and innovative minds operating as ONE TEAM that keep Bitpanda at the cutting edge of our industry. So if you’re someone who thinks big, moves fast and wants to make an impact right from day one, then get ready to join our industry-changing team. Let’s go!   YOUR MISSION Build the ultimate gateway to our ecosystem. Designing, scaling, and maintaining the critical systems responsible for safely and efficiently onboarding millions of users across Europe will be your primary focus, all while adhering to strict financial regulations. In this role, tackling complex architectural challenges—such as integrating with cutting-edge third-party identity providers and orchestrating real-time compliance workflows—goes hand in hand with collaborating closely with our Product, Legal, and FinCrime teams to turn complex regulatory requirements into smooth, automated user experiences. WHAT YOU’LL DO * Your day-to-day responsibilities will involve designing and developing scalable, resilient, message-driven services using Java to manage complex user verification pipelines. * Writing clean and correct code with high test coverage is essential as we continuously deploy into an event-driven microservices architecture. * Integrating cutting-edge third-party tools will require taking ownership of our connections with global KYC providers, video-identification services, and AML screening databases. * Ensuring a seamless onboarding experience means optimizing our backend systems to minimize user friction while maintaining absolute regulatory compliance and system reliability. * Close collaboration with cross-functional teams, such as Product Managers, Compliance Officers, and security experts, will be key to rapidly adapting to changing regulatory landscapes. WHO YOU ARE * Solid knowledge and professional experience in backend software development using Java and modern frameworks like Spring Boot form the foundation of your technical skill set. * A deep understanding of relational and non-relational databases is required, with hands-on experience in Postgres and MongoDB being a distinct advantage. * Practical knowledge of message-oriented middleware, specifically Apache Kafka, is necessary to successfully handle high-throughput, asynchronous onboarding events. * Creating, securing, and maintaining publicly available REST APIs is something you handle with a keen understanding of performance optimization, data privacy, and scalability. * Familiarity with modern CI/CD pipelines and practical public cloud experience, preferably utilizing AWS and Kubernetes, rounds out your engineering profile.     WHAT’S IN IT FOR YOU * Flexibility to work where you thrive – Enjoy the freedom of our Hybrid working model, combining onsite collaboration and remote work, with an additional 25 days per year to work from a city or country of your choice. * Reward for your impact – Receive a competitive total compensation package aligned with Bitpanda’s pay-for-impact policy, including participation in our stock option plan. * Support for your mental wellbeing – Access confidential coaching, counselling, and mental health resources whenever you need them through OpenUP. * Time to recharge – On top of your standard annual leave, Prioritise your wellbeing with 3 additional days of paid time off to rest, reset, and recharge, available once you’ve been with us for 6 months. * Continuous learning and growth – Grow your skills and stay ahead in your career with unlimited access to Udemy’s library of online courses at your own pace. * Exclusive perks and rewards – Enjoy discounts, rewards, and perks from partners worldwide across lifestyle, wellness, tech, and travel. * Support during life milestones – Take advantage of our additional 8 weeks of gender-neutral new parent leave to welcome and bond with your new addition to the family. * Fuel and focus on-site – Pandas in Vienna, Bucharest, Barcelona, and Berlin can enjoy free onsite dining, with freshly prepared lunches and snacks to keep you fueled and focused all day long. * Recognition for your contributions – Celebrate milestones and achievements with recognition and rewards for your Tenure at Bitpanda. * Show your Bitpanda pride – Access exclusive Bitpanda-branded merchandise and gear to represent. * Connect and celebrate with your team – Join unforgettable company events, from our Winter Party in Vienna to gatherings worldwide, fostering fun, connection, and celebration        .…and even more location-specific benefits designed to make life at Bitpanda even more rewarding wherever you are.   Above all, you will have the opportunity to learn and grow as part of Bitpanda’s incredible journey towards being Europe’s future #1 investment platform. BITPANDA IS COMMITTED TO FOSTERING A FAIR AND EQUAL ENVIRONMENT BASED ON TRUST AND MUTUAL RESPECT. WE BELIEVE THAT A DIVERSE AND INCLUSIVE WORKPLACE IS PARAMOUNT TO OUR SUCCESS AND WE ARE COMMITTED TO BUILDING A TEAM THAT REPRESENTS A WIDE VARIETY OF BACKGROUNDS, PERSPECTIVES, AND SKILLS. * THESE BENEFITS MAY BE ADJUSTED AT BITPANDA’S DISCRETION AND DO NOT APPLY TO OUR INTERNSHIPS AND EXCEPTIONS TO OUR HYBRID WORKING POLICY APPLY TO TEAMS WITH SHIFT SCHEDULES OR FOR FOLKS WHOSE ROLES REQUIRE THEM TO BE IN-OFFICE (THINK: WORKPLACES TEAM OR IT).

Qonto

Our mission and customers: We are creating the freedom for SMEs to succeed by delivering Europe's leading finance workspace with banking at its core, augmented by financial tools. We are proud to be rated 4.8 on Trustpilot, based on 55,000+ reviews. Our culture puts customer satisfaction at the core of what we do, as proven by our Net Promoter Score of 75 (more about our culture here). Our journey: Founded in 2017 by Alexandre and Steve, Qonto has grown to 1,600+ Qontoers serving over 600,000+ customers across 8 European countries. We have been profitable since 2023, and we are just getting started. Our beliefs: We hire for skills and potential. With 80+ nationalities, 45% women, of which 56% of women in our leadership team, diversity isn't a program; It's who we are. We've built a discrimination-free hiring process because the best teams are built on merit. AI at Qonto: AI is deeply embedded in how we work (here) - Every Qontoer gets unlimited access to the best AI tools. We want people who experiment without waiting for permission, push AI beyond the obvious, know when to trust it, and when to question it. ------------------------------------------------------------------------------------------------------ Join us as a Customer Care Manager to own the KYB/KYC lifecycle for Qonto's German business customers, based in our Barcelona office. You will report to Rafael Hajzeri, Lead of the Customer Onboarding Lifecycle team for Germany. You won't be handling account usage questions — your focus is the structured, compliance-driven work that happens after a customer is validated: periodic reviews, data remediation, and documentation. ➡️ What you'll do Own lifecycle reviews: Conduct periodic KYB/KYC re-reviews for German business customers, managing your caseload through Qonto's internal tools. Handle customer support: Reach out to customers via email, chat, and phone to collect updated documentation or resolve data gaps — direct client communication is a regular part of the role. Identify process gaps: Spot recurring blockers, inconsistencies in documentation flows, or tool limitations and flag them to the team — your observations feed directly into how the team improves its processes and knowledge base. Maintain knowledge resources: Contribute to and update internal documentation via Notion AI, ensuring the team's knowledge base reflects current procedures and regulatory requirements. Operate with precision on compliance cases: Work on cases with legal and regulatory implications — an overlooked data point or an unclear client communication can directly affect a customer's account status. ➡️ What we're looking for 1–2 years in a customer-facing role: You've worked in customer support, onboarding, or success — ideally in a structured environment with KPIs. You don't need to come from KYC/KYB specifically, but you need to be comfortable with process-driven work and accountability. Native-level German: You'll communicate directly with German business owners and entrepreneurs. The bar is high — your written German needs to be precise, professional, and clear, because errors in compliance communications have consequences. Attention to detail in complex cases: You read carefully before acting. You notice when something doesn't add up and you ask rather than assume. This matters most when cases have regulatory implications. Composure under pressure: Lifecycle reviews can stack up. You stay methodical and solution-focused when the queue is long and cases are ambiguous. Improvement mindset: You don't just process tickets — you notice patterns, flag blockers, and contribute to making the team's tools and processes sharper. ➡️ What we can offer you Substance from day one: You'll work on KYB/KYC lifecycle cases — compliance reviews, remediation campaigns, risk-class-based re-validations — with real regulatory weight. The learning curve is steep and intentional. A team being built deliberately: The team is structured around distinct ownership areas with a defined mission per person, not a generic shared task list. Tools that match the work: You'll use Aircall for client calls and Notion AI for knowledge management. ➡️ Your future manager Your manager will be Rafael Hajzeri, Lead of the Customer Onboarding Lifecycle team for Germany, based in Barcelona. His path? Originally from Germany, Rafael started his career in hospitality before transitioning into customer support. He has been with Qonto for almost four years, growing with the company into his current role as KYB/KYC Operations Lead – Lifecycle Germany. What does he bring to the team? Rafael built the KYB/KYC Lifecycle team around defined ownership areas and structured processes — each team member owns a specific mission rather than a shared queue. He runs interviews conversationally, prioritises character and thinking alongside technical fit, and is deliberate about who joins the team.

IMC

We are looking for an AML/KYC Analyst to support AML/KYC activities across IMC's crypto counterparties and digital asset business. In this role, you'll help assess and manage AML/KYC risks associated with crypto markets, including high-risk counterparties, complex ownership structures, sanctions exposure and enhanced due diligence requirements. You'll contribute to risk-based counterparty assessments in a rapidly evolving regulatory landscape, combining strong analytical work with direct interaction with counterparties, trading teams and other internal stakeholders. This is an opportunity to play an important role in enabling IMC's digital asset business while helping to maintain a robust and effective AML/KYC framework. YOUR CORE RESPONSIBILITIES:  AML/KYC Counterparty Reviews * Perform customer due diligence (CDD) and periodic reviews for crypto counterparties * Conduct risk-based counterparty reviews with exposure to enhanced due diligence (EDD) requirements * Analyze complex ownership and control structures, including offshore and layered structures where relevant * Assess AML/CTF and sanctions risks associated with counterparties, products and jurisdictions * Manage escalations relating to high-risk counterparties and onboarding matters * Conduct independent AML/KYC risk assessments and determine appropriate risk classifications * Prepare high-risk cases and escalation memos for senior stakeholder approval Screening & Risk Analysis * Conduct adverse media and sanctions screening using relevant screening tools * Identify and assess AML/CTF and sanctions-related red flags associated with crypto counterparties and digital asset activities Stakeholder & Counterparty Engagement * Engage directly with counterparties regarding AML/KYC requirements and documentation requests * Work closely with Trading, Legal, Compliance and operational teams on onboarding and risk matters * Provide practical AML guidance to internal stakeholders on crypto-related risks and controls Governance & Regulatory Support * Support AML/KYC enhancement initiatives and control improvements * Assistance with AML/CTF policies, procedures and guidance materials * Assist with internal audits, regulatory reviews and remediation actions * Remain current on AML/CTF regulatory developments, sanctions frameworks and industry expectations relevant to digital assets Key deliverables * Timely and accurate completion of CDD analyses and periodic counterparty reviews * Effective handling of counterparty KYC requests and communications * Risk-based analysis of adverse media and sanctions screening alerts * Reliable and well-documented AML transaction monitoring YOUR SKILLS AND EXPERIENCE:  * 4+ years of AML/KYC/CDD experience within crypto, trading, banking, payment institutions or other regulated financial institutions * Strong understanding of enhanced due diligence (EDD) requirements and risk-based AML/KYC assessments * Prior familiarity with AML/CTF risks and typologies relevant to digital assets and crypto markets is preferred (but not mandatory) * Experience conducting independent risk assessments and exercising sound judgement * Familiarity with crypto transaction tracing and wallet screening tools is preferred * Knowledge of relevant AML/CTF legislation, including sanctions frameworks * Experience dealing with complex legal entity structures and institutional counterparties * CAMS certification preferred; crypto-related AML certifications are a plus * Strong analytical and investigative mindset * Ability to independently manage complex AML/KYC matters from onboarding through ongoing monitoring * Confident communicator, capable of interacting directly with counterparties and senior stakeholders * Pragmatic and risk-based approach to problem solving * Comfortable operating in a fast-paced and evolving regulatory environment * High level of ownership, accountability and attention to detail WHAT WE OFFER * A high-impact role in a small, expert team holding significant regulatory responsibility * A collaborative, high-performance culture that rewards ownership and initiative * Exposure to AML operations across multiple jurisdictions * Support to obtain CAMS certification if not already held About Us IMC is a global trading firm powered by a cutting-edge research environment and a world-class technology backbone. Since 1989, we’ve been a stabilizing force in financial markets, providing essential liquidity upon which market participants depend. Across our offices in the US, Europe, Asia Pacific, and India, our talented quant researchers, engineers, traders, and business operations professionals are united by our uniquely collaborative, high-performance culture, and our commitment to giving back. From entering dynamic new markets to embracing disruptive technologies, and from developing an innovative research environment to diversifying our trading strategies, we dare to continuously innovate and collaborate to succeed.