Compliance Systems & Data Analyst

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Reporting to the Director of Compliance Systems & Data, the Compliance Systems & Data Analyst leads the design, implementation, and management of technology to streamline and continuously improve our Underwriting and KYC solutions. This role will lead the identification, analysis, and optimization of Know Your Customer/Business (KYC/KYB) and Underwriting workflows by implementing AI, machine learning, and Large Language Models (LLMs) to reduce manual reviews and accurately identify risks. The goal is to develop and integrate technology solutions that align with industry best practice that can both scale AND create operational efficiencies.

This person will focus on "Know Your Customer" (KYC) and Credit Underwriting processes throughout the customer lifecycle with new technologies (like AI, ML, Regex detection, OCR etc) streamlining identity verification, completing ongoing data, AI and model validations, screening (PEP, OFAC), risk assessments, and monitoring while reducing manual errors. This role involves analyzing workflows, supporting AI/ML solutions,validating models and ensuring ethical data and AI use through continuous performance monitoring and testing. Experience with identity solutions & case management systems for fraud and anti-money laundering (AML) is imperative.

On a daily basis, you will:

• Core Responsibilities: Driving Compliance Automation & Optimization

• Process Optimization & Analysis:

  • Analyze existing manual Know Your Customer (KYC) and Anti-Money Laundering (AML) workflows (including data collection, document verification, and watchlist screening) to identify inefficiencies and bottlenecks.

  • Automate manual processes to increase speed, accuracy, and performance, monitoring Key Performance Indicators (KPIs) and Key Risk Indicators (KRIs) for continuous improvement.

  • Test AI decision models involving identity to meet EU AI and CA ADMT requirements

  • Propose process or policy changes, and recommend system and/or vendor implementation updates, as applicable.

• Technology Implementation & Solution Development:

  • Develop and implement Artificial Intelligence (AI), Machine Learning (ML), and Robotic Process Automation (RPA) solutions for critical tasks such as:

    • Data extraction (using OCR).

    • Biometric verification and automated decision-making (ADMT).

    • Regex detection for monitoring and cash flow optimization.

    • LLM Model development

  • Contribute to the development of risk scorecards, credit policies, and overall process structure.

  • Help implement enhancements to identity verification, onboarding automation, customer risk scoring, and OFAC/Sanctions & PEP screening.

• Risk Management & Compliance:

  • Ensure automated systems accurately detect, assess, and score risks (including Enhanced Due Diligence - EDD) to maintain regulatory and card scheme standards.

  • Develop risk scoring models to move toward automated underwriting, incorporating various models and decision tools.

  • Oversee data and model validation: test and validate decisioning and AI solutions, identifying appropriate data sources, and validating the integrity, accuracy, and quality of data flowing to decisioning and reporting systems.

  • Ensure ethical AI use, data privacy, and adherence to all governance requirements.

• System Integration & Data Accuracy:

  • Integrate new KYC tools and automated workflows with existing CRM and Customer Lifecycle Management (CLM) systems to ensure seamless data flows.

  • Reduce reliance on manual data entry to significantly minimize errors and false positives, thereby improving overall data accuracy.

• Cross-functional Collaboration & Change Management:

  • Work closely with Engineering, Operations, Data Services, and Product teams to integrate new automation tools and build/maintain compliance/risk technology features, systems, and rules.

  • Manage change by understanding business problems and training teams to ensure successful adoption of new automated processes.

• Industry Knowledge:

  • Maintain curiosity and stay current with new and emerging fraud and risk trends within the industry.

What skill are we searching for?

• 3 years minimum experience with Artificial Intelligence (AI) & Machine Learning (ML) models

• 5 plus years experience working within a financial institution/payment processor/merchant monitoring services supporting fraud and/or compliance initiatives. Implementation of systems for fraud/risk, information security, OFAC, KYC or AML compliance systems

  • Underwriting and/or KYC experience heavily preferred

• Experience building solutions in house with engineering as well as vendor integrations for fraud/risk, AML and identity management/decisioning

• Experience with model validations and rules testing

• Ability to create reports in SQL, Metabase or similar

• Great written and oral communications skills with solid documentation

• Ability to work fluidly in a collaborative, team-based setting within a high growth technology company

• Project management skills/experience

• 5 years of relevant work experience in financial services industry

• 3 years minimum experience at a financial institution or bank with relevant work experience in credit, underwriting, risk, KYC or AML compliance

• ACAMS or ACFCS and/or ACFI certification preferred

• Salesforce and DealHub experience preferred

• Bachelor’s degree or equivalent work experience

Here’s a bit about what we have to offer:

• Competitive pay: 15 200 - 19 900 PLN gross on CoE

• Training budget 3500 PLN gross per year

• Access to e-learning platforms

• Fully paid private healthcare in LuxMed

• Access to the Worksmile platform with a monthly top-up

• Subsidized access to breakfast and lunch through the vending machine in Kraków office, and lunches in Gdańsk office once a week

• Group English classes with a native speaker

• A laptop and essential work equipment provided by the company

• New, modern, bright and comfortable office space in the city centre

• Access to the company’s library

• Great working atmosphere

• Chill out room with a PlayStation and games

• Free snacks and beverages in the kitchen

• Company parties and social activities

• Employee referral program

• Relocation Package within Poland

The controller of your personal data included in your job offer and others collected during the recruitment process is SpotOn Poland spółka z ograniczoną odpowiedzialnością with its registered office in Kraków, Aleja 29 listopada 20, 31-401 Kraków, e-mail address:
poland-rodo@spoton.com. We will process your personal data for the purpose of current or, if you voluntarily agree, also future recruitment processes. More information about how we proccess your data, including the basis for processing and your rights in relation to the processing, can be found on our website: https://pl.spoton.com/privacy-and-cookies-policy.

Administratorem podanych danych osobowych, w tym danych zawartych w dokumentach aplikacyjnych i zebranych w toku procesu rekrutacji, jest SpotOn Poland Sp. z o.o. z siedzibą w Krakowie (ul. Aleja 29 listopada 20, 31-401 Kraków; adres e-mail do kontaktu:
poland-rodo@spoton.com. Dane osobowe będą przetwarzane w celu realizacji obecnych lub – jeżeli wyrazisz na to dobrowolną zgodę – także przyszłych procesów rekrutacji. Więcej informacji o tym, jak przetwarzamy Twoje dane, w tym także informacje o podstawach prawnych przetwarzania oraz o prawach przysługujących Ci w związku z przetwarzaniem danych, znajdziesz na stronie:
https://pl.spoton.com/privacy-and-cookies-policy.

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