Compensation: $29.80 / hour

Type: Full-time / Hybrid (authorization to work in the US required)

Apply here: Official Wise application

Why this role matters

The FinCrime Operations Senior Analyst at Wise plays a central role in protecting customers and the business from financial crime. You will review alerts, investigate transactions, perform due diligence, and make escalation decisions that keep payments safe and compliant. This role blends analytical thinking with clear documentation and strong customer communication.

What you’ll do (Key responsibilities)

• Investigate alerts and transaction flows to identify suspicious behaviour or validate legitimate activity.
• Conduct enhanced due diligence using public records, customer documentation and internal tools.
• Assess risk, document findings, and escalate high-risk cases to AML, Fraud, or Reporting teams.
• Maintain accurate audit trails and produce clear, compliant case notes and reports.
• Collaborate across teams to refine processes and flag new crime typologies or tooling issues.
• Communicate with customers professionally to gather information when necessary.

What we’re looking for

• 1–2 years in operations, compliance, or a related role; exposure to KYC/AML/fraud preferred.
• Strong written and verbal English skills; extra languages are a plus.
• High attention to detail, decisive judgment, and excellent documentation skills.
• Comfort working with procedures, SLAs, KPIs and handling repetitive workflows with quality.
• Willingness to work flexible schedules including shifts and occasional weekends.

Benefits & practical details

This is a hybrid role based in Austin. Wise requires candidates to be authorized to work in the US and does not offer visa sponsorship for this position. Please submit your resume and cover letter in English.

Sample CV Template

Sample Cover Letter

Sample Motivation Letter

Sample Application Email

Interview Preparation Guide

Role-specific interview questions (with suggested talking points)

• Describe your process for investigating a suspicious transaction. Talk through initial triage, data sources checked, red flags, how you determine escalation, and how you document decision rationale.
• How do you perform enhanced due diligence? Explain use of public records, company registries, payment history, and link analysis to establish ownership and purpose.
• Give an example of a time you escalated a case — what made it high risk? Share the signal, why it exceeded thresholds, stakeholders involved, and outcome.
• How do you balance speed and quality under SLA pressure? Describe prioritization, checklists, and quality controls you use to maintain standards.
• Which BI or case management tools have you used? Mention systems (Looker, internal dashboards, case management) and how you used dashboards to spot patterns.
• How would you communicate with a customer during an investigation? Emphasize clarity, empathy, non-leading questions, and avoiding unnecessary contact.
• How do you keep up with typologies and regulatory changes? Mention subscriptions, internal updates, training routines, and knowledge-sharing with peers.
• What metrics do you consider when judging case outcomes? Talk about false positive rates, time to resolution, escalation ratio, and quality audit scores.

General interview questions (with talking points)

• Tell me about yourself. Briefly summarize background, recent roles, and why compliance matters to you.
• Why Wise? Reference Wise’s mission, customer focus, and your alignment with fairness in finance.
• Describe a challenge you overcame at work. Use STAR: Situation, Task, Action, Result with measurable impact.
• How do you handle feedback? Show receptiveness, examples of iteration, and learning applied.
• Where do you see yourself in two years? Focus on skill growth in AML, potential certifications, and contributing to process improvements.

Do’s & Don’ts

• Do: Bring concise examples with measurable outcomes.
• Do: Show your decision logic and documentation habits.
• Do: Prepare clear, professional written samples if requested.
• Do: Mention tools and how you used them to improve outcomes.
• Do: Ask thoughtful questions about team KPIs and escalation pathways.
• Don’t: Overclaim technical skills you can’t demonstrate.
• Don’t: Rely on vague answers—be specific.
• Don’t: Criticize former employers in a way that sounds unprofessional.

Preparation checklist

• Update resume and portfolio with relevant AML/operations examples.
• Review Wise’s mission pages and recent public updates.
• Prepare 2–3 case studies using the STAR format.
• Have examples of documentation: sample case note or decision rationale.
• Test your video conferencing setup for hybrid interviews.
• Prepare questions about team structure, KPIs, and career path.

Extra pro tips

• Practice summarizing complex investigations in one minute for hiring panels.
• Bring a one-page “how I work” summary focusing on quality controls and SLA habits.
• If asked for a written exercise, structure it with clear headings and decision points.

Tips to Work With: FinCrime Operations Senior Analyst

1. Overview

The FinCrime Operations Senior Analyst triages alerts, conducts investigations, performs due diligence, and escalates incidents as needed. Core responsibilities include transaction monitoring, risk assessment, documentation, and inter-team escalation. This role is essential to preserve customer trust, meet regulatory obligations, and prevent financial losses.

2. Step-by-step process (how the role operates)

Below is a straightforward workflow you will follow daily:

• Receive alert via monitoring system and classify urgency.
• Gather data: transaction history, customer profile, public records.
• Analyze patterns and apply risk criteria.
• Decide: discount, request more info, or escalate.
• Document actions and rationale in the case management system.
• Follow up on escalations and contribute to process improvements.

3. Illustrative example (problem → solution)

Problem: A customer shows unusual outbound payments to multiple new beneficiaries in a short period, triggering alerts.

Solution: The analyst reviews transaction patterns, confirms business use via public records, performs EDD on beneficiaries, identifies one beneficiary with negative indicators, escalates that case, and documents findings. The outcome preserves legitimate customer activity while preventing potential fraud.

4. Learning & resources

• Coursera — Anti-Money Laundering Fundamentals (free audit available)
• ACAMS — Certified Anti-Money Laundering Specialist (professional certification)
• University MSc in Financial Crime/Compliance (advanced academic route)

5. Nice-to-have skills & progression

Familiarity with BI tools (e.g. Looker), scripting for data pulls, and certifications like CAMS help accelerate growth. Senior Analysts often progress to Reporting, AML Operations Lead, or Risk Management roles.

Application link (official): Apply on Wise Jobs

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