THE COMPANY:

Wagestream is on a mission to bring better financial wellbeing to frontline workers.
We partner with some of the world’s most famous employers, like Bupa, Burger King, Green King and the mighty NHS to give their teams access to fairer financial services - all built around flexible pay. Over three million people can now choose how often they’re paid, track their shifts and earnings, start saving, use budgeting tools, get free financial coaching, and access fairer financial products. All in one financial wellbeing super-app.
Wagestream is unique: VC-backed and growing at scale-up pace, but with a social conscience. Some of the world’s leading financial charities and impact funds were our founding investors, and we operate on a social charter - which means every product we build has to improve financial health and reduce the $5.6bn ‘premium’ lower-income earners pay for financial services each year.
You’d be joining a team of over 200 passionate, ambitious people, across Europe and the USA, building a category-leading fintech product and all united by that same mission.

WHAT EXPERIENCE MIGHT YOU HAVE?

Must-haves: (But if you’re close… we’d still love to talk to you!)

• Ensuring all required onboarding due diligence checks for Credit Risk and AML regulations are completed for new and existing customers/clients in line with our Policies
• Use business intelligence systems to monitor creditworthiness of our client organisations
• Reviewing KYB checks, as part of our client onboarding process, and ensure requested documentation and information is provided in a timely manner.
• Assist in performing additional KYC / KYB/ client due diligence checks, including politically exposed persons (PEPs, RCA’s and SIPs).
• Reviewing screening alerts to ensure that any positive matches against relevant sanctions and PEPs lists are dealt with appropriately and promptly.
• Review alerts and on-going monitoring requirements for existing clients in line with KYB policies.
• Monitor and manage clients through high risk situations and administrations/recoveries.
• Monitor and analyse transactions, client accounts, and other activities to detect suspicious patterns, anomalies, or potentially fraudulent behaviour.
• Assess and mitigate day to day risks associated with client onboarding, ensuring due diligence.
• Collaborate with cross-functional teams to escalate and investigate suspicious transactions or activities promptly.
• Offer advice and solutions to the Customer Support team on escalated issues.

• Ensuring all required onboarding due diligence checks for Credit Risk and AML regulations are completed for new and existing customers/clients in line with our Policies
• Use business intelligence systems to monitor creditworthiness of our client organisations
• Reviewing KYB checks, as part of our client onboarding process, and ensure requested documentation and information is provided in a timely manner.
• Assist in performing additional KYC / KYB/ client due diligence checks, including politically exposed persons (PEPs, RCA’s and SIPs).
• Reviewing screening alerts to ensure that any positive matches against relevant sanctions and PEPs lists are dealt with appropriately and promptly.
• Review alerts and on-going monitoring requirements for existing clients in line with KYB policies.
• Monitor and manage clients through high risk situations and administrations/recoveries.
• Monitor and analyse transactions, client accounts, and other activities to detect suspicious patterns, anomalies, or potentially fraudulent behaviour.
• Assess and mitigate day to day risks associated with client onboarding, ensuring due diligence.
• Collaborate with cross-functional teams to escalate and investigate suspicious transactions or activities promptly.
• Offer advice and solutions to the Customer Support team on escalated issues.