Analyst - AML & KYC (High-Volume Transaction Monitoring)

About bluCognition:

bluCognition is an AI/ML based start-up specializing in risk analytics, data conversion and data enrichment capabilities. Founded in 2017, the company is headquartered in the US, with the delivery center based in Pune. We build all our solutions while leveraging the latest technology stack in AI, ML and NLP combined with decades of experience in risk management at some of the largest financial services firms in the world. Our clients are some of the biggest and the most progressive names in the financial services industry. We are entering a significant growth phase and are looking for individuals with entrepreneurial mindset who wants us to join us in this exciting journey.

About the Role:

The AML & Financial Crime Analyst is responsible for protecting the organization against financial crime risks by ensuring rigorous customer due diligence, transaction monitoring, fraud investigation, and strict regulatory compliance. This role demands a detail-oriented mindset, strong analytical and investigative skills, and the ability to collaborate effectively across departments.

Key Responsibilities:

- Conduct end-to-end KYC/KYB reviews for individuals or business entities, including Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), Ultimate Beneficial Owner (UBO) verification, and PEP/Sanctions screening.
- Collect, review and validate customer documentation, business registrations, ownership structures, financial records, and digital footprints to assess authenticity and risk.
- Perform KYC fraud investigations by identifying suspicious activities, high-risk customers, account takeovers, impersonation, first-party fraud, chargebacks, and other fraud typologies related to KYC/KYB checks
- Utilize internal and external databases, public records, and online sources to conduct background checks, risk assessments,



and adverse media reviews.
- Identify and escalate suspicious activities, compliance concerns, or potential fraud exposure to Compliance, Risk, and Fraud teams.
- Communicate effectively with peers, managers, subject matter experts, and other internal stakeholders to address queries, provide guidance, escalate issues, and draft responses that meet regulatory standards.
- Maintain accurate investigation records, audit trails, and case documentation in accordance with AML, KYC, and fraud prevention policies.
- Collaborate with Compliance, Risk, Product, Customer Success, and QA teams to support risk mitigation, process improvements, and regulatory compliance initiatives.
- Stay updated on AML/KYC regulations, sanctions requirements, and industry best practices.
- Rigorously uphold data privacy and confidentiality standards in all aspects of sensitive customer information handling and record-keeping.

Required Skills & Experience

- Bachelors degree in finance, Business, Law, or a related field.
- 2+ years of experience in KYC/KYB, AML Compliance, Fraud Investigations, Financial Crime Operations, or FinTech/Banking environments.
- Strong knowledge of KYC/KYB processes, CDD, EDD, UBO verification, PEP screening, sanctions screening, and AML regulations.
- Excellent analytical, investigative, documentation, and risk assessment skills with strong attention to detail.
- Robust written and verbal communication skills with the ability to engage customers and cross-functional stakeholders.
- Ability to manage multiple priorities, meet SLAs, and perform effectively in a fast-paced environment.
- Proficiency in MS Office Suite and relevant compliance/risk management tools.
- Professional certifications such as CAMS, ICA, or ACAMS are preferred but not mandatory.

Educational Qualifications

- Bachelors Degree in related fields like accounting, economics, business management, statistics, etc.

📌 Analyst - AML & KYC (High-Volume Transaction Monitoring) (Pune)
🏢 bluCognition
📍 Pune