Ambition has no passport. That belief is why LemFi exists. We're the financial engine for people the world wasn't built to serve, the millions who move countries to build something better and find the financial system hasn't caught up with them yet. We started with remittances: the money people send home to the people they love. Now we run multi-currency accounts, Savings, eSIMs and Credit. Because staying connected to home and building somewhere new are not two separate things. They never were.
About the role
LemFi is the financial engine for people the world wasn't built to serve, processing remittances, multi-currency accounts, credit, savings and eSIMs across more than 21 countries. Our Compliance Operations team is the reason our customers can trust every transaction they send.
As a CDD Operations Analyst within the Client Due Diligence Operations team, you will play a critical role in protecting LemFi and its customers from financial crime while enabling safe and seamless access to our products. Reporting to the Customer Due Diligence (CDD) Manager , you will operate at the heart of day to day compliance decision making, balancing regulatory obligations with customer experience in a fast growing fintech environment.
In this role, you will review alerts, assess customer risk, perform due diligence, and respond to partner and customer compliance requests. You will contribute directly to maintaining strong AML and CFT controls while supporting LemFi’s mission to deliver accessible and trustworthy financial services at scale.
Our Compliance Operations team works collaboratively across Transaction Monitoring & Sanctions, Customer Due Diligence, Fraud, and Investigations. We match candidates to the area that best aligns with their skills and strengths, so you may be placed in a different area from the one you applied for. As you develop your skills and grow within the team, there may also be opportunities to move across these areas.
What you'll build and own:
• Review & Decide: Assess transaction monitoring, customer verification, and sanctions screening alerts and make accurate, timely decisions.
• Investigate Risk: Perform enhanced due diligence on higher risk customers and provide clear, well reasoned recommendations to Compliance leadership.
• Escalate Appropriately: Conduct first level reviews of customers or transactions displaying red flags and escalate suspicious activity when required.
• Support Partners: Fulfil due diligence and RFI requests from payments and banking partners in line with agreed SLAs.
• Serve Customers: Respond to compliance related customer tickets with clarity, professionalism, and empathy.
• Collaborate & Learn: Work cross functionally and continuously build knowledge of emerging AML typologies, risks, and criminal trends.
Nice to have
• Risk Minded: You apply sound judgement when assessing customer and transaction risk, balancing control with customer impact.
• Detail Oriented: You spot inconsistencies and red flags that others may miss, ensuring high quality case outcomes and notes.
• Ownership Driven: You take responsibility for your decisions and follow cases through to completion without constant oversight.
• Adaptable: You are comfortable working in a fast changing environment with evolving regulations and priorities.
• Use Data to Support Decisions: Review alert and case information to support accurate decision making under guidance from senior team members.
• Collaborative: You work well with global teams and support shared outcomes over individual wins.
Your experience:
• 1-3 years of AML and/or CDD compliance experience within a fintech, financial institution, or advisory/audit company.
• Hands on experience with KYC reviews, ID verification, enhanced due diligence, sanctions and transaction monitoring alerts.
• Ability to independently assess customer risk and make defensible decisions.
• Strong written and verbal communication skills in English.
• Proficiency in Microsoft Office or Google Sheets for case management and reporting.
• Excellent organisational skills with strong attention to detail.
The Interview Process:
• Role-based skills assessment
• Hiring Manager Interview (30mins)
• Final interview (Technical and behavioural) with the Hiring team (45mins)
Why Join LemFi?
Your work here puts money back into families' pockets. That's the reward, and the weight of it. You'll take on some of the hardest problems in finance alongside people who do their best work when the stakes are real. We move fast and we expect a lot, because our customers can't afford for us to do otherwise. In return you get room to own real problems, global impact you can see, and a team that won't slow you down.
Bring grit and ownership and there's a place for them here. Ambition belongs here, come and show us yours.
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Recruitment Agencies Notice
LemFi does not accept unsolicited CVs from recruitment agencies. We work only with agencies on our preferred supplier list, and only when we’ve asked them for their support. Any CVs sent to us outside this arrangement will not incur a fee.