Key Skills

Job Description

About us Orenda is a regulated fintech and embedded finance platform enabling businesses to launch financial products including payment accounts, wallets, cards and payment services. The platform provides the technology and infrastructure to support these products, working with regulated financial institutions and payment partners. Orenda manages key areas including customer onboarding, KYC/KYB, AML, transaction monitoring and ongoing compliance. Overview of the role We are looking for a Compliance Analyst to join our compliance team. This is a hands-on, operational role at the heart of our financial crime controls, focused on two core areas: KYC / KYB onboarding – reviewing and approving business customers before they go live on the platform. Carry out KYC checks on individual customers, including identity and address verification, screening against sanctions, PEP (politically exposed person) and adverse media lists, and assessing the customer’s risk, escalating any higher-risk cases. Transaction monitoring (TM) – investigating and resolving alerts generated on customer activity You will help ensure that Orenda FS BV, as a Dutch authorised Electronic Money Institution ("EMI"), meets its obligations under the Wwft and wider EU AML/CFT requirements, while keeping onboarding and alert handling efficient for our clients. The role is based at our Head Office in the Netherlands (hybrid) and reports to the Chief Risk Officer. Key responsibilities KYB onboarding and approvals Review business customer applications, verifying company registration, legal form, ownership and control structures Identify and verify ultimate beneficial owners (UBOs), directors and authorised signatories Carry out and assess sanctions, PEP and adverse media screening, and resolve potential matches Assess the nature of the business, expected account activity and source of funds, and assign a customer risk rating in line with our risk-based approach Approve, decline or escalate applications within delegated authority, referring higher-risk cases requiring enhanced due diligence (EDD) to the Compliance Officer Request outstanding information from clients and partners, and record a clear, audit-ready rationale for every decision Support periodic and event-driven reviews of existing business customers Transaction monitoring Review and investigate TM alerts within agreed service levels, analysing transactions against the customer's profile and expected activity Close alerts with documented rationale, or escalate potentially unusual activity for further review Prepare internal unusual activity reports and support the Compliance Officer with reporting unusual transactions to FIU-Nederland Review payment screening hits and other financial crime red flags Spot trends and emerging risks, and provide feedback to help tune monitoring rules and reduce false positives Wider compliance support Keep case records accurate and complete, and help produce management information on volumes, backlogs and turnaround times Support quality assurance checks, compliance monitoring testing and internal or external audit requests Help keep onboarding and TM procedures up to date as regulation and the business evolve Stay current with relevant developments, including the Wwft, the EU AML Regulation, EBA guidelines and DNB guidance What we're looking for Experience 1–2 years' experience in KYC/KYB, customer onboarding, AML operations or transaction monitoring, ideally at an EMI, payment institution, bank or fintech A practical understanding of AML/CFT principles: CDD and EDD, UBO identification, the risk-based approach and common financial crime red flags Confidence reading corporate structures, registry extracts and supporting documents Experience using screening, onboarding or transaction monitoring systems is a plus Skills Strong attention to detail and sound judgement, including knowing when to escalate Clear, concise written documentation of decisions and investigations Able to manage a steady caseload and work to service levels Collaborative, and comfortable working with colleagues across operations, product and client teams Qualifications A degree in a relevant field, or equivalent practical experience An AML or compliance qualification (e.g. ICA Certificate in AML, CAMS) would be advantageous but is not required Languages Fluent English Job details Job type: Full-time Work location: Hybrid, Netherlands Industry: Financial services / fintech Reports to: Compliance Officer Base salary range: €30,000 to €40,000

Core Responsibilities

Review and approve business customer onboarding applications, conduct KYC checks, assess customer risk, and escalate higher-risk cases. Investigate transaction monitoring alerts, document decisions, support unusual activity reporting, and contribute to compliance testing, audits, and procedure updates.

Requirements

Candidates should have 1–2 years of experience in KYC/KYB, customer onboarding, AML operations, or transaction monitoring, along with practical knowledge of AML/CFT principles and corporate documentation. A relevant degree or equivalent practical experience is required, while an AML or compliance qualification is advantageous; fluent English is required.