AML/KYC Analyst

COMO Digital Life

COMO Digital Life is a regulated financial ecosystem for embedded, in-house, and globally orchestrated payments. We are licensed and supervised by the CSSF in Luxembourg. Compliance isn't bolted on; it's built in. Sanctions screening, AML/KYC, KYB verification, transaction monitoring, and regulatory reporting are native to our platform and operations, reducing regulatory risk and operational complexity for our clients and partners.

Historically, truly integrated cross-border financial infrastructure has only been accessible to global banks and the largest corporations. We exist to change that - making advanced, regulated financial infrastructure available to a broader set of organizations and their platforms. Our mission: help organizations run global finance more efficiently, more securely, and with far less complexity. We design our financial and operational setup as a robust backbone for transparency, trust, and sustainable growth.

Important: Candidates must have the legal right to work in the European Union. There will be no visa sponsorship for this position.

Role Purpose

The AML/KYC Analyst plays a critical role in safeguarding COMO Digital Life against financial crime, regulatory risk, and reputational harm. Sitting within the Compliance function, the role is responsible for the end-to-end execution of the company's anti-money laundering and know-your-customer framework - from transaction monitoring and SAR filing through to customer onboarding, screening, and regulatory change management.

The Analyst ensures that all AML and KYC activities are conducted in line with applicable regulatory requirements, internal policies, and industry best practices. Beyond core compliance operations, the role acts as a key cross-functional partner, collaborating with Payment Operations, group-wide teams, and external outsourcing partners to strengthen controls, improve onboarding timelines, and contribute to technology-driven solutions that enhance the effectiveness of the overall compliance programme.

Key Responsibilities

1. AML Activities

• Transaction Monitoring
• Composing SAR filings and non-SAR narratives for management review and approval
• Ensuring appropriate SAR related records and files are maintained accurately and are properly reconciled per regulatory requirements
• Maintaining accurate procedures and desk instructions for the monitoring, investigations, and filling processes

2. Customer Onboarding

• KYB document verification, business relationship and account opening/closure recommendations
• Assist in enabling the business relationship process and the entire KYC/KYCC lifecycle
• Assist in improving the overall onboarding timeline and experience
• Onboarding and daily screening

3. Regulatory Compliance

• Regulatory watching and keeping Registry up to date
• Oversee the monitoring, updating, and testing of Compliance policies, procedures, controls, and systems in place to assess their appropriateness and effectiveness
• Report on compliance matters, including the results of the testing undertaken and any relevant issues

4. Inter-Department Support/Assistance

• Working within extended teams like FinOps, Group-wide and with all our outsourcing partners
• Support the team in different capacities including new platform projects like monitoring and checks
• Collaborating creatively with colleagues to create cross-functional value-add solutions with technology, data, and analytics components and on various Business-related Projects

Required Experience

• 1–3 years of hands-on experience in AML, KYC, or financial crime compliance, ideally within a fintech, payments, or regulated financial services environment
• Proven experience in transaction monitoring, suspicious activity identification, and SAR/non-SAR narrative writing
• Solid working knowledge of KYB/KYC processes, including document verification and customer due diligence (CDD/EDD)
• Familiarity with customer lifecycle management — onboarding, ongoing screening, and account closure
• Experience working with compliance policies, procedures, and control frameworks
• Understanding of relevant AML/CFT regulatory requirements (e.g. FATF, EU AML Directives, local Luxembourg/CSSF regulations)
• Excellent written and verbal communication skills in English

Preferred Experience

• Experience with compliance or transaction monitoring platforms (e.g. Napier, Actimize, ComplyAdvantage, or similar)
• Exposure to KYCC (Know Your Customer's Customer) processes
• Experience in a cross-functional or multi-jurisdictional compliance environment
• Background working with outsourcing partners or third-party compliance providers
• Involvement in compliance technology or data projects — particularly monitoring tools, dashboards, or process improvement initiatives
• Familiarity with regulatory change management and maintaining compliance registries

Competencies

• Strong AML/KYC knowledge and regulatory awareness.
• Analytical thinking with sound risk judgement.
• Clear and accurate written communication skills.
• Ability to manage multiple tasks with high attention to detail.
• Collaborative mindset with strong cross-functional working skills.
• Integrity and discretion in handling sensitive compliance matters.

How to Apply

Send your CV and a short motivation letter in English to [email protected] with the subject line “AML/KYC Analyst”. Tell us why you want this role and what makes you the right fit for the position. 

Shortlisted candidates will be contacted within two weeks.

Recruitment Process

1. Screening call with HR (15 min) 2. Interview with the Chief Compliance Officer 3. Interview with Authorized Manager