Compliance Analyst

Job Summary

1. Customer Due Diligence (CDD And EDD)

• Perform KYC onboarding checks (identity, sanctions, pep, adverse media) using integrated systems (e.g. Sumsub)
• Apply risk classification (SDD/CDD/EDD) through the CRM/risk engine
• Identify and escalate mandatory override triggers (e.g. sanctions, PEP Travel Rule failures)
• Prepare EDD case files with supporting documentation

2. Transaction Monitoring & KYT

• Review automated alerts generated via CRM and Chainalysis integration
• Investigate:
• Ø Wallet exposure (darknet, scams, ransomware, mixers)
• Ø Behavioral anomalies and structuring patterns
• Ensure transaction blocking where system thresholds are breached or overrides apply

3. Travel Rule Compliance

• Validate IVMS101 Travel Rule Data for applicable transfers
• Investigate:
• Ø Missing, inconsistent or refused data
• Ensure system-enforced blocking and escalation via CRM workflows

4. Case Management & CRM Workflow Execution

• Manage cases within McCoin’s in-house CRM platform, including:
• Ø Alert review
• Ø Case creation and documentation
• Ø Status updates and escalation tracking
• Ensure all actions are:
• Ø System-logged and time-stamped
• Ø Supported by evidence (KYC, KYT, behavioral data)
• Escalate high-risk cases to the MLRO

5. Sanctions & Suspicious Activity

• Support sanctions screening and enforcement (freeze/block actions)
• Investigate suspicious activity and prepare case summaries
• Assist MLRO with STR preparation and reporting via goAML
• Maintain strict anti-tipping-off compliance

6. Ongoing Monitoring & Reviews

• Conduct periodic customer reviews based on risk classification
• Monitor:
• Ø Transaction activity
• Ø Behavioural changes
• Ø Risk triggers generated via
• Ensure continuous lifecycle monitoring and reclassification where required

7. Recordkeeping & Audit Support

• Maintain complete, accurate, and audit-ready records within CRM and supporting systems
• Ensure:
• Ø Full traceability of all decisions and actions
• Ø Compliance with minimum 8-year retention requirements
• Support:
• Ø Internal audits
• Ø Regulatory inspections (VARA, FIU)

Required Qualifications

• Bachelors degree in Finance, Law, Compliance or related field
• 2-4 years of AML/KYC/Compliance experience (preferably in VASP/fintech)
• Professional Certification is preferred, CAMS/ICA Certified is an advantage

Skills & Competencies

• Strong analytical and investigative skills
• Knowledge of AML/CFT, sanctions, and Travel Rule frameworks
• Experience with:
• Ø KYC platforms (e.g., Sumsub)
• Ø Blockchain analytics (e.g., Chainalysis)
• Ø Case Management /CRM systems (automated workflows preferred)
• High attention to detail and documentation standards

Governance & Authority

• Operates within a system-driven, CRM-based compliance environment
• Responsible for
• Ø Execution
• Ø Investigation
• Ø Escalation
• MLRO retains sole and final decision-making authority
• No discretion to override:
• Ø Risk scoring
• Ø Mandatory overrides
• Ø System-enforced controls

Key Performance Indicator

• Timeless of alert reviews and case handling
• Accuracy of risk classification and documentation
• Proper use of CR\< workflows and audit trail completeness
• Escalation quality and adherence to regulatory timeless
• Audit outcomes and absence of control breaches

Compliance Statement

• The Compliance Analyst operates within McCoin’s automated, platform-driven CRM and CMS framework, ensuring that:
• All controls are system-embedded and non-discretionary
• Financial crime risks are identified and acted upon before execution
• Mandatory overrides and EDD triggers applied without exception
• All actions are fully auditable, traceable, and regulator-defensible
• Compensations and Benefits:
• · Working Hours: Mondays to Fridays from 9AM to 5PM

· Medical Insurance: Comprehensive Insurance

· Salary: AED 7000