Compliance Analyst (Onboarding & Transaction Monitoring)

About this role

About Us

Peratera is a UK-based fintech company, founded in 2022 and authorised by the FCA as an Electronic Money Institution. We are building a modern, all-in-one payment platform that enables businesses to manage global payments and financial operations seamlessly.

Our solution allows companies to open multi-currency accounts, send and receive payments worldwide, and manage cross-border transactions from a single platform. Our mission is to simplify global finance and remove friction from international business operations.

Your mission

Peratera is looking for an experienced Compliance Analyst to support our Compliance team, with a primary focus on business customer onboarding and KYB, alongside transaction monitoring and ongoing customer reviews.

You will assess corporate customers, analyse ownership structures and risk profiles, support enhanced due diligence, and help identify and escalate potential financial crime risks. The role offers the opportunity to work with international businesses across fintech, payments, EMI and FX sectors.

What You’ll Do

• Conduct end-to-end KYB onboarding and due diligence for corporate customers
• Review complex ownership structures, UBOs, directors and associated parties
• Assess customers operating in fintech, payments, FX, financial services and other higher-risk sectors
• Complete customer risk assessments and identify when EDD is required
• Review source of funds/source of wealth and expected business/payment activity where appropriate
• Conduct PEP, sanctions and adverse-media screening and escalate material concerns
• Prepare clear onboarding summaries and recommendations for Compliance approval
• Support periodic and trigger-based reviews of existing customers
• Assist with transaction monitoring alerts, investigations and escalation of unusual activity
• Work closely with Compliance, Operations and Commercial teams to resolve onboarding queries efficiently
• Maintain accurate compliance records and ensure onboarding files meet internal and regulatory standards

What We’re Looking For

• Ideally 3–4 years' experience in KYC/KYB, onboarding or financial crime compliance
• Strong preference for experience within an EMI, payment institution, fintech, FX or banking environment
• Good understanding of AML/CTF, sanctions, PEPs, UBO identification and corporate structures
• Ability to analyse information independently and clearly document compliance decisions
• Experience reviewing international and higher-risk business customers

Nice to Have

• Experience working with complex or higher-risk businesses, particularly in fintech, payments, FX, crypto or other financial services
• Experience with compliance and screening tools such as ComplyAdvantage, Dow Jones, World-Check or similar
• Good understanding of UK/EU AML requirements and regulatory expectations for EMIs and payment institutions
• ACAMS, ICA or another relevant financial crime/compliance qualification

What You’ll Get

• Competitive, market-aligned compensation
• A meaningful role in a growing, FCA-authorised fintech
• The opportunity to work with international B2B customers across payments, fintech and FX
• Direct exposure to real-world compliance and financial crime challenges
• Direct employment with our UK entity, Peratera UK Ltd
• A central London office in St James’s
• A culture of ownership, trust and knowledge sharing

Sounds like a match? Send us your CV - we’re excited to get to know you.