X Money is revolutionizing the financial services landscape by enabling seamless, secure, and innovative payment solutions for Users worldwide. Our mission is to empower economic freedom through cutting-edge technology while maintaining the highest standards of compliance and trust. Join us to shape the future of payments!

We are seeking a KYC Program Associate to join X Money and support the development of the BSA/AML program with a primary focus on Know Your Customer (KYC)/ Sanctions and related regulations.

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Responsibilities:

• Assist in the further development of the X Money KYC and Sanctions program

• Perform Sanctions and manual KYC reviews where applicable

• Handle edge cases and escalate high-risk or ambiguous cases to the KYC Program Manager.

• Request additional documentation from Users when automated checks require manual intervention.

• Support ongoing monitoring of User risk profiles, flagging changes (e.g., sanctions matches) for review.

• Collaborate with the KYC Program Manager to streamline verification workflows, reducing manual reviews and improving auto-approval rates.

• Provide feedback on KYC tooling to enhance onboarding accuracy and efficiency

• Identify patterns in verification failures or fraud attempts to recommend process improvements.

• Work closely with Product, Engineering, and Customer Support teams to improve KYC processes.

• Support in the creation and implementation of training sessions to ensure relevant teams stay updated on regulatory changes and best practices.

• Support the KYC Program Manager in preparing for audits, regulatory inquiries, and banking partner reviews.

Qualifications:

• 5+ years of professional experience in AML, Compliance, Audit or Risk Management capacity with a technology focus, preferably within both the Payments and Financial Services industries.

• Extensive knowledge of BSA/AML laws and regulations, including but not limited to the Bank Secrecy Act, the USA PATRIOT Act, and OFAC/Sanctions requirements.

• Experience in developing or managing BSA/AML programs from scratch, including implementation of systems, and understanding of risk management framework.

• Network management skills to take responsibility to lead/run in a multi-dimensional business environment.

• Strong understanding of the local and regional regulatory bodies with hands-on working experience.

• Ability to drive change with an ability to navigate multiple high and sometimes competing priorities and work effectively across countries and regions.

• Well-structured working methodologies, analytical skills and sense of responsibility and urgency, but can work independently with minimal supervision.

• Strong verbal, written communication, and presentation skills with strong interpersonal skills to successfully influence strategic initiatives at all organizational levels.

• Ability to quickly learn and adapt.

• AML certifications are preferred but not necessary.