Junior AML/CTF Analyst

Description

Job Summary: Support the execution of anti-money laundering and counter-terrorism financing (AML/CTF) processes through due diligence, document review, and operational analysis to strengthen monitoring. Key Highlights: 1. Key support in anti-money laundering and counter-terrorism financing prevention 2. Transaction analysis and customer due diligence 3. Opportunity for continuous improvement of the monitoring system #### **Job Description** Department: Legal & Compliance Reports to: Head of Legal & Compliance Support the execution of anti-money laundering and counter-terrorism financing (AML/CTF) processes through customer and counterparty due diligence, document review, and transaction analysis, contributing to timely alert detection and strengthening of the monitoring system. #### **What will you do?** * Provide support to the Legal and Compliance team in executing due diligence processes (KYC/KYB), document review, and analysis of customers, suppliers, counterparties, and transactions. * Review and validate legal and corporate documentation (e.g., powers of attorney validity, certified copies, contracts, etc.), ensuring consistency with official sources such as SUNARP, SUNAT, and credit bureaus. * Manage user-level access to applications containing customer and transaction/operation data, serving as a mechanism or tool for retrieving relevant information. * Review documentation provided by customers to conduct due diligence and dismiss generated alerts. * Conduct preliminary investigations of unusual transactions, performing transactional analysis, document review, and customer behavior assessment. * Prepare internal investigation reports with technical justification and documented traceability. * Contribute to the continuous improvement of the AML/CTF monitoring system from an operational perspective. #### **Skills** *Skills and behaviors:* * Analytical ability: Evaluate legal and financial information with sound judgment and risk focus. * Rigor and attention to detail: Precision in document review and information analysis. * Ethics and integrity: Responsible handling of sensitive and confidential information. * Proactivity: Ability to anticipate risks and operational needs. * Organization and time management: Efficient handling of multiple cases and priorities. * Effective communication: Clear report writing and seamless coordination across departments. * Teamwork: Active collaboration in multidisciplinary environments (legal, risk, commercial). * Adaptability: Ability to thrive in dynamic fintech environments. *Essential experience and knowledge (Non-negotiable):** Recent graduate or bachelor’s degree holder in Law, Business Administration, Economics, Accounting, or Engineering. * 1–2 years of experience (including internships) in transaction monitoring, AML/CTF alert analysis, or investigations of financial transactions and risk patterns. * Basic knowledge of applicable regulations: + AML/CTF framework (SBS and related regulations) + Personal data protection + Fundamentals of corporate law * Familiarity with due diligence processes (KYC/KYB) and reading credit reports (Sentinel, Equifax, or others). * Proficiency with digital tools: + Excel (intermediate level) * Availability for hybrid work in San Isidro. #### **Nice to have** Desirable knowledge in: * Factoring and confirming operations * Private investment funds * Digital tools such as Notion and Slack #### **Why Finsmart?** * Recognized as the only fintech startup with the “Best Employer for Youth” distinction in Peru by FirstJob in its 2023 ranking. * Experience a true startup culture from day one as part of our team. * Receive a fixed salary. * 100% covered EPS (health insurance). * We maintain a flat organizational structure and a great working environment; we always treat feedback as an opportunity for growth. * We are a diverse team comprising individuals of different nationalities and beliefs. We value and respect everyone. #### **Who are we?** We are a Peruvian fintech with over 7 years in the market. Our purpose is to drive the development of local SMEs and the financial growth of our investors.