Lead KYC Analyst

Circle is a financial technology company at the epicenter of the emerging internet of money, where value can finally travel like other digital data — globally, nearly instantly and less expensively than legacy settlement systems. This ground-breaking new internet layer opens up previously unimaginable possibilities for payments, commerce and markets that can help raise global economic prosperity and enhance inclusion. Our infrastructure – including USDC, a blockchain-based dollar – helps businesses, institutions and developers harness these breakthroughs and capitalize on this major turning point in the evolution of money and technology.

What you’ll be part of:

Circle is committed to visibility and stability in everything we do. As we grow as an organization, we're expanding into some of the world's strongest jurisdictions. Speed and efficiency are motivators for our success and our employees live by our company values: High Integrity, Future Forward, Multistakeholder, Mindful, and Driven by Excellence. We have built a flexible and diverse work environment where new ideas are encouraged and everyone is a stakeholder.

What you’ll be responsible for: 

Circle is looking for a Lead KYC Utility Analyst, to join its Compliance Operations team and conduct complex reviews and projects in Circle’s KYC team. The Lead Analyst is responsible for end-to-end KYC lifecycle processes including onboarding, periodic reviews, event-driven reviews, and offboarding. You’ll operate at the intersection of some of the most innovative products and customers and support Circle’s efforts to ensure the safety of its platform through in-depth customer investigations and continuous monitoring of various threat vectors across the KYC landscape.

What you'll work on: 

• Conducting detailed assessments of complex customers for risk of money laundering, financial crimes and terrorist financing through thorough review and enhanced due diligence, including review of negative news and nature of business 

• On-going monitoring of customers, including counterparty compliance calls, assessing of transactional activity, collecting and testing samples of customer files

• Partnering with key internal stakeholders including business teams and other control functions to monitor client relationships on an ongoing basis and ensure compliance with regulatory expectations.

• Recommending appropriate risk-based business actions to be taken to onboard customer and/or on-going monitoring.   

• Completing written report of findings, including comprehensive details, narratives and recommendations.  

• Identifying risk appetite of customer and take appropriate decision of onboarding/rejecting the customer 

• Recommending course of action to management based on an analysis of the findings 

• Ensure the highest standards of documentation and quality in the execution of onboarding and periodic review processes

• Closely following regulatory, compliance, and enforcement developments in the cryptocurrency industry to ensure processes are kept up to date

• Drive standardization and optimization of KYC workflows across regions.

• Support technology teams in defining requirements for KYC systems and tools (e.g., onboarding platforms, document repositories, screening solutions).

• Monitor and analyze KYC metrics to identify trends and propose solutions for operational efficiency.

What you’ll bring to Circle:

• 7+ years of relevant experience in AML and KYC reviews for corporates, with 2 years in crypto, preferable in onboardings requiring specialized due diligence 

• A passion for harnessing the power of digital currency and blockchain technology and services built on top of it.  Deep understanding of blockchain technology 

• First-class investigative capabilities and problem-solving skills, able to bring structure to ambiguous problems, generate hypotheses, coordinate research and analysis, fluently manipulate data, conduct analysis, and synthesize insight.

• A get things done mindset, able to think strategically and take initiative to move forward tactically, continually iterate and improve, while anticipating demands of leadership.

• Experience collaborating cross functionally and driving results while working with a wide variety of stakeholders.

• Prove