Anti-Money Laundering & KYB Analyst

Works closely with: VP Product & Ops and MLROLocation - Remote, full time with core hours of 10:00–16:00 UK time requiredAbout Us Founded by Mastercard and WorldRemit former executives, with early employees from Google, Uber, American Express, HSBC and Deliveroo. Volume (www.getvolume.com) is a London-based payments startup on a mission to move money seamlessly around the world. We are an FCA Authorised Payments Institutions, and our mission is to create a universal checkout on the Internet enabling online shoppers to pay and businesses to get paid quickly, easily, conveniently, and eventually for free with just one click. Faster than Apple Pay, Volume is the only payment method that allows consumers to pay in one-click using their bank app and businesses to eliminate payment intermediaries such as Stripe, PayPal, card networks and their extortionate hidden fees. Our CultureWe don’t follow the traditional corporate or start-up model but empower our people to own their work end-to-end. The challenge is not for everybody, we are entirely mission-driven with a fully autonomous team culture. You decide the strategy, you move the metric, we help to achieve your goals. The RoleWe are hiring an AML & KYB Analyst to operate at the intersection of Compliance, Risk and Operations. This is a hands-on, analytical role with direct exposure to real payment flows, regulated partners and complex merchant models. You will be expected to exercise independent risk judgement and stand behind your decisions.Key ResponsibilitiesConduct end-to-end corporate KYB for merchantsAnalyse complex ownership structures and identify UBOsReview business models, payment flows and use casesPerform sanctions, PEP and adverse media screeningConduct EDD on higher-risk merchantsPrepare clear, defensible case summaries and escalationsEscalate material risks to the MLRO with clear rationaleConduct ongoing transaction monitoring and help shape TM rules and alert logic as we build in-houseInvestigate and manage fraud casesIdentify discrepancies between declared and actual activityMaintain accurate and complete compliance recordsSupport ongoing improvements to AML and financial crime controlsHandle first-line enquiries and support live merchantsLiaise with Sales and Customer Experience on onboarding, merchant reviews and compliance queriesAbout YouYou have:More than 4 years of hands-on corporate KYB experienceExperience in a regulated fintech / payments / E-money / PSP environmentExposure to merchant onboardingExperience conducting transaction monitoring, analysing alerts and making risk-based decisionsStrong understanding of complex structures, UBO discovery and EDDAbility to assess business models and payment flows criticallyClear written reasoning and escalation disciplineComfort operating in a fast-moving startup with ownership and accountabilityWillingness to engage in areas outside the traditional scope of an AML role where needed - we’re a small team where everyone wears many different hatsFluent written and spoken EnglishIf your experience is primarily retail KYC or transaction monitoring, this role will not be a fit.Nice to HaveExperience in merchant acquiring or A2A paymentsExposure to fraud signals, chargebacks or CNP riskExperience investigating APP fraud casesFamiliarity with Companies House and AML screening toolsBasic understanding of APIs / payment integrationsWhat We Offer£18,000 – £21,000 ($23,500 - $28,000 USD) gross annually, depending on experience, impact and ownershipClear performance-based progression path and salary review aligned with growth and contributionB2B contract structure preferred.Remote-first setup - we focus on outcomes, not hoursReal ownership from day one - you make risk calls and stand behind your reasoningDirect exposure to regulated partners, live payment flows and scaling challengesFast execution, minimal hierarchy, no unnecessary bureaucracyHigh autonomy with clear accountabilityOpportunity to shape and improve core TM, KYB and Operations processesClose collaboration with Compliance, Product and EngineeringRegular international team retreats20 days non-service periods per year