Financial Crimes Analyst

Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $31 billion in affordable and responsible credit to our 5M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.

We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.

Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans.

We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1600 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.

About the Role:

The position of KYC & Sanctions Analyst is a part of the Financial Crimes team, which reports up through the Risk & Compliance group. KYC & Sanctions Analysts conduct Enhanced Due Diligence (EDD) reviews of certain customers, assist with various reviews of other high risk populations, and screen parties to ensure any sanctions, PEP, and/or adverse media concerns are accurately documented and appropriate action is taken in accordance with Upgrade’s policies and procedures.

If you have a background in anti-financial crimes work, an analytical mind, a keen eye for detail, and exceptional writing skills, this may be the role for you.

What You’ll Do:

• Be an integral part of the Enhanced Due Diligence process, completing reviews of high-risk customers for potential financial crimes concerns, reputational risk, or other patterns of concern to Upgrade
• Prepare detailed narratives which clearly explain risks identified across a number of areas – including, but not limited to, customer identity/profile risk, transactional patterns which do not fall within expectations, and reputational risk/adverse media
• Assist with the sanctions, PEP, and negative news screening process, including alert review and disposition
• Assist with completing KYC/CDD reviews, both initial and ongoing, on business partners
• Help to identify and operationalize potential process improvements

What We Look For:

• Bachelor’s degree or higher
• CAMS, CGSS, or CFE certifications preferred, but not required
• 2+ years of experience in anti-financial crimes (AML investigations, Fraud Investigations, EDD, KYC, Sanctions, etc.)
• Working knowledge of fraud and AML typologies and current financial crime trends
• Understanding of financial products, including credit cards, lending products, and deposit accounts
• Excellent research, analytical, and communication skills
• A sense of ownership, adaptability, and responsibility towards problem solving
• Experience in in meeting regulatory and business deadlines with a sense of urgency while maintaining high standards for quality and professionalism
• Advanced knowledge of Microsoft Office, Google Suite, and Atlassian products
• Experience with LexisNexis research tools (AML Insight, Bridger) and/or ComplyAdvantage preferred, but not required

What We Offer You:

• Competitive salary and stock option plan
• 100% paid coverage of medical, dental and vision insurance
• Flexible PTO
• Opportunities for professional growth and development
• Paid parental leave
• Health & wellness initiatives

For California residents: Upgrade's CaliforniaNotice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.