Senior EDD Analyst / SME

Hybrid in Spain·Added yesterday

BVNK

10 open roles

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Overview

Job details

€30,000 - €60,000 a year
Gross, as stated in the ad.
About €1,930 - €3,460 a month after tax.
Hybrid
Office and home days — the ad has the split.

Requirements

Have the right to work in Spain
BVNK doesn't mention sponsorship in the ad.
Work in English
English is required, per the ad.
Be near Spain for hybrid days
No relocation package mentioned.
Have 5+ years of experience
Mid-level role.

The role

Following enhancements to our Customer Risk Assessment (CRA) methodology and the implementation of expanded Enhanced Due Diligence (EDD) standards, BVNK is expanding its Customer Portfolio Risk (CPR) team.

We are seeking a Senior EDD Analyst / Subject Matter Expert (SME) reporting directly to the Head of Customer Portfolio Risk (CPR). This high-impact role will lead complex remediation activities, conduct advanced EDD reviews, perform direct customer AML control walkthroughs, and manage specialized regulatory and vertical assessments across onboarding and ongoing monitoring.

As a senior individual contributor and SME, you will handle high-risk, multi-layered corporate structures, complex product flows (e.g., Fiat Nested, Embedded Partner Managed), and specialized high-risk verticals (e.g., Gambling, CFDs/High-Risk Trading, Virtual Assets).

What you'll do

Remediation & Advanced EDD Execution

Lead end-to-end complex EDD remediation for high-risk corporate clients under updated risk models.
Conduct deep-dive ownership analysis on multi-layer structures (e.g., 3+ layers of legal entities, trusts, foundations, offshore/secrecy jurisdictions), identifying Ultimate Beneficial Owners (UBOs) to 10% ownership thresholds.
Verify Source of Funds (SoF) and Source of Wealth (SoW) for entities and UBOs using commercial databases, tax returns, audited financials, and open-source intelligence (OSINT).
Execute jurisdiction-specific EDD requirements across global operations (EU, UK, US, and APAC per local regulatory annexes).

Regulatory & High-Risk Vertical Assessments

Conduct full Regulatory Assessments for regulated clients (B2B/B2C) and nested/embedded models, including license verification against official registries, equivalence reviews, and scope/permission validation.
Perform Geographic & Reverse Solicitation Analyses, including "Initiative Tests" to identify active targeting of non-licensed jurisdictions using digital, marketing, payment rail, and operational indicators.
Conduct sector-specific High-Risk Vertical Assessments (e,g. Gambling, CFDs & Leveraged Products, Virtual Assets &CASPs) in line with BVNK guidance.
Research regulatory standards and high-risk verticals to support a risk-based approach and present strategic recommendations to Second Line Compliance.

AML Control Walkthroughs & Policy Reviews

Lead live AML Control Walkthroughs (video and occasionally in person) with client compliance and operational teams to test and validate their live CDD, payment screening, transaction monitoring, and SAR escalation environments.
Perform desktop reviews of third-party AML/CFT, Sanctions, and Transaction Monitoring, policies and procedures and external audit reports to identify material gaps and agree remediation action plans.

Ongoing Portfolio Oversight & Quality Assurance

Manage complex scheduled Annual Periodic Reviews (APRs), Event-Driven Reviews (EDRs), and Embedded Partner Customer (EPC) reviews for higher-risk accounts.
Act as a Checker / Escalation SME, reviewing and approving complex CDD/EDD files, risk rating shifts, account change requests, and nested flow authorisations.
Conduct advanced transaction pattern analysis comparing 12-month transaction volumes against expected activity profiles and known risk typologies.
Serve as a key liaison to the Second Line Compliance, MLROs, and Senior Management for high-risk client approvals and policy escalations.

Requirements

What we're looking for

5+ years of direct experience in B2B corporate compliance, EDD, and risk assessment within high risk industries
Recognized Subject Matter Expertise (SME) in evaluating complex corporate entities (holding companies, trusts, foundations, offshore structures).
Deep understanding of regulatory assessment frameworks, cross-border licensing rules, and financial crime requirements (FATF, FCA, MGA, FinCEN, MiCA).
Experience using enterprise compliance case management systems for tracking end-to-end review lifecycles.
Exceptional written risk assessment capabilities-ability to synthesize complex financial, corporate, and transactional data into clear executive summaries.
High autonomy, strong self-organization, and ability to manage complex case pipelines in a high-growth environment.

Nice to Have:

Nice to have

Exposure to Fintech, Gaming, Crypto/VASP, and/or CFD/Fx industries
Hands-on experience executing AML Control Walkthroughs and evaluating third-party compliance environments.
Practical exposure to blockchain analytics tools (Chainalysis, TRM, Elliptic) and Travel Rule protocol requirements.
Strong proficiency in data querying and analytics (Snowflake SQL or similar data environment experience highly regarded).
Proven ability to engage professionally with C-level executives, MLROs, and Compliance Directors during client walkthroughs and remediation discussions.

Pay & benefits

What you'll get

Fair and competitive salary at every stage of your growth
Flexible working hours, with hybrid working at its heart
A culture built on passionate, growth-minded people
A flexible approach to holiday
Opportunities to travel to our offices around the world
An open and creative environment where you can help us define the future of BVNK, its culture, and its opportunity sets

At BVNK, we are focused on building a diverse and inclusive team. While you may not meet all of our requirements, we'd encourage you to apply if you meet the majority of our expectations. You may be a great fit for this role or another role in our team.

Compensation packages are based on candidate experience and relevant certifications.

Poland Salary Range

€30.000-€60.000 EUR

About BVNK

BVNK is a fintech company that provides modern payment infrastructure for businesses dealing in both traditional and digital currencies. The company offers a platform that enables businesses to accept, hold, and pay out in both fiat and stablecoins, bridging the gap between conventional banking and the crypto economy. BVNK is a relatively young company, having been founded in 2021, and has quickly scaled to serve a global client base with a focus on compliance and financial crime prevention.

BVNK has established a significant presence in Spain, with a growing team of engineers and analysts based in the country. The company's work culture is dynamic and fast-paced, typical of a high-growth fintech, and it places a strong emphasis on innovation and regulatory compliance. For international professionals, BVNK offers the opportunity to work on cutting-edge technology at the intersection of traditional finance and crypto, with a diverse and distributed team. The company's open roles in Spain, such as those in backend engineering and financial crime intelligence, indicate a focus on building robust and secure payment systems.

Industry: Fintech
Founded: 2021
Employees: 100–500
Headquarters: London, United Kingdom
In Spain: Madrid
Website: bvnk.com

Good to know if you are moving

BVNK is a remote-first company, offering flexibility in work location, which can be beneficial for international hires.
The company is at the forefront of the stablecoin and crypto payments industry, providing a unique opportunity to work with emerging financial technologies.
BVNK has a strong focus on compliance and financial crime prevention, making it an attractive employer for professionals in risk and compliance.
The company has a global client base and a distributed team, offering a multicultural work environment.
BVNK's Spain office is a key hub for engineering and analytics, indicating a growing investment in the Spanish tech talent market.

In their own words

About the company & team

BVNK is the stablecoin-powered financial stack for enterprises. We're now part of Mastercard, and together we're building a network for every form of money - one that delivers more reach, more capability and more choice.

We enable businesses to build financial products, unlock new markets, and move money in seconds across 130+ countries, with 40+ licenses for fiat and digital assets globally. Processing billions annually, we empower enterprises worldwide to send, receive, convert, and settle stablecoins and fiat seamlessly through a single integration.

Our mission is to accelerate global money movement, and we're assembling a world-class team to make it happen.

Trusted by industry leaders like Corpay, Worldpay, Deel, and Flywire, we deliver the infrastructure that makes new forms of money usable within the financial systems customers already rely on today.

By combining Mastercard's global payment reach and trusted networks with BVNK's stablecoin infrastructure, we're building the trusted operating layer for the evolution of money movement, helping customers participate in emerging digital networks without having to rebuild their businesses around every new innovation.

We're a diverse team spread across EMEA, North America, and APAC, with a shared belief that stablecoins are the new infrastructure layer for financial services, and that BVNK is at the forefront of this shift.

We're incredibly honored to have been recognized by:

CNBC World's Top Fintech Companies (2026)
FXC Intelligence Top 100 Cross-border Payment Companies (2026)
Newsweek's The Top 100 Global Most Loved Workplaces (three years running, most recently 2025)
LinkedIn as one of the Top 20 Startups in the UK (2025)

All open roles at BVNK