KYC Analyst

New York City

KYC Analyst

Location: Hybrid in NYC (3 day in-office requirement)

Qualifications:

  • Bachelor’s degree or relevant work experience
  • A comprehensive understanding of US Regulations KYC Regulations;
  • 1-3 years experience as a KYC or relevant compliance analyst role in a FinTech or other closely regulated industry
  • Ability to manage and prioritize simultaneous projects, related to different stakeholders, internal and external to company
  • Excellent interpersonal, verbal, and communication skills, strong professional presence to support regular interactions with senior management
  • Strong research and analytical skills
  • Ability to anticipate and proactively initiate future projects 
  • Ability to work on site, at least 3 days per week

A day in the life and how you’ll make an impact:

  • The KYC Analyst will lead initiatives, in collaboration with the US Director of Compliance Operations and Tel Aviv Compliance Manager, to handle the daily tasks to support our regulatory KYC requirements
  • Perform basic and enhanced due diligence KYC screening on new and existing Melio Users 
  • Analyze client data and review/documentation of negative news in order to determine a client’s risk profile as established under relevant external and internal  KYC requirements 
  • Document and maintain all due diligence evidence
  • Escalate issues to management as appropriate
  • Track all and document all internal and external intel received on a client, i.e. where temporary exceptions have been granted, transaction monitoring Request for Information (RFI) as well as all internal communication 
  • Escalate any accounts where expected activity does not meet actual activity through the account(s)
  • Q&A and monitor relevant system rules and features
  • Ad Hoc Projects

About the team:

As a KYC Analyst you’d be joining the team working behind the scenes to protect Melio from bad actors; managing the risks that might have adverse impacts on our product, financials and our ability to meet client needs. This includes the onboarding, periodic reviews and enhanced due diligence of existing and potential Melio users. You’ll also be evaluating the verticals we work with to understand their unique profiles and exposures.  

You are fascinated by the world of payments. You are able to think of the big picture during KYC reviews and other day-to-day tasks. You know the limitations of both manual review and automatic decision logic and understand the challenges at the intersection of automation and manual insights. You have a broad knowledge of compliance regulations in the payments industry and understand the implementation of those on a business level. On game night, you're the one with your head in the rulebook. You’re here to problem-solve rather than criticize existing conditions, and you’re always looking for better ways to do things. Most importantly, you’re a top-notch team player, proactive, positive and fun to be around. If you’re still nodding your head in agreement and this seems like a good fit, don’t hesitate to reach out—we’re looking for you!

Melio’s innovative platform has created new and exciting ways to engage US small businesses in the payments ecosystem; and as with any financial innovation, this has also introduced threats and vulnerabilities. The Risk & Compliance Team works to protect Melio’s platform and users from fraudulent, abusive and prohibited activity. We work cross-functionally, alongside multiple business lines within the company, to ensure our products and movement of money remain compliant with local regulations, as well as keeping our users safe. Our Team plays a critical role in maintaining Melio’s reputation, financial stability, and operational continuity.

About Melio USA: 

  • Competitive compensation packages: We strive to make each and every employee feel valued and appreciated. 
    • The annual base salary range for this position is 70,000-85,000 
  • Medical, Dental, and Vision: We offer generous and highly competitive plans with up to 100% employer-paid coverage, FSA and HSA.
  • 401K matching and stock options: Feel the investment of working at a hyper-growth startup.
  • Wellness: We take a holistic approach to wellness at Melio with a focus on providing financial, physical, emotional, social, and community support for our employees. 
  • Time Off: Time to rest and recharge is a priority for us. We offer competitive vacation time, sick days, holidays, parental leave and wedding days to allow you to take the time you need, when you need it. 
  • Food perks: Enjoy our fully stocked kitchens, along with a weekly Seamless stipend and plenty of catered meals each week. 
  • Office culture: Thrive in our collaborative offices in New York City or Denver, in a hybrid working environment. We are dog friendly as well!
  • Growth and development: Lean on the diverse team to foster professional and personal growth through workshops, mentorship programs, and team building activities. 

Melio builds business-to-business (B2B) payment tools so small business owners can spend less time in the back office and more time on their craft. As the fastest-growing B2B payment platform in the US, Melio is working hard to find new and better ways to help small businesses succeed in the ways that work best for them.

Melio's diversity, equity and inclusion efforts have always been a top priority within our team. We are an Equal Opportunity Employer, and all of our employees encompass different strengths, experiences and backgrounds. DEI within Melio prioritizes race, gender, age, disability status, veteran status, sexual orientation, religion and many other parts that make up one's identity. Having a diverse team across all offices is key to our success, and inclusion is each #TeaMelio member's responsibility. Melio accepts job applications on an ongoing basis until the position is filled. If you are interested in applying for this job opportunity, please do so directly on our careers page (or if you’re here already, scroll down and apply now!). This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. 

Apply for this job

*

indicates a required field

Resume/CV*

Accepted file types: pdf, doc, docx, txt, rtf

Cover Letter

Accepted file types: pdf, doc, docx, txt, rtf

Select...
Select...
Select...

U.S. Standard Demographic Questions

Melio is committed to representing and reflecting the unique and diverse experiences, perspectives and viewpoints of our people, partners, and the communities we serve. We advocate for inclusivity and equity, education, empowered leadership, and community-driven action. In continuation of improving our efforts in this regard, we invite applicants to self-identify. Completion of this survey is entirely voluntary, and in no way be used in a hiring decision. 

Select...
Select...
Select...
Select...
Select...
Select...

Voluntary Self-Identification

For government reporting purposes, we ask candidates to respond to the below self-identification survey. Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiring process or thereafter. Any information that you do provide will be recorded and maintained in a confidential file.

As set forth in Melio’s Equal Employment Opportunity policy, we do not discriminate on the basis of any protected group status under any applicable law.

Select...
Select...
Race & Ethnicity Definitions

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection. As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measure the effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categories is as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.

Select...

Voluntary Self-Identification of Disability

Form CC-305
Page 1 of 1
OMB Control Number 1250-0005
Expires 04/30/2026

Why are you being asked to complete this form?

We are a federal contractor or subcontractor. The law requires us to provide equal employment opportunity to qualified people with disabilities. We have a goal of having at least 7% of our workers as people with disabilities. The law says we must measure our progress towards this goal. To do this, we must ask applicants and employees if they have a disability or have ever had one. People can become disabled, so we need to ask this question at least every five years.

Completing this form is voluntary, and we hope that you will choose to do so. Your answer is confidential. No one who makes hiring decisions will see it. Your decision to complete the form and your answer will not harm you in any way. If you want to learn more about the law or this form, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp.

How do you know if you have a disability?

A disability is a condition that substantially limits one or more of your “major life activities.” If you have or have ever had such a condition, you are a person with a disability. Disabilities include, but are not limited to:

  • Alcohol or other substance use disorder (not currently using drugs illegally)
  • Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, HIV/AIDS
  • Blind or low vision
  • Cancer (past or present)
  • Cardiovascular or heart disease
  • Celiac disease
  • Cerebral palsy
  • Deaf or serious difficulty hearing
  • Diabetes
  • Disfigurement, for example, disfigurement caused by burns, wounds, accidents, or congenital disorders
  • Epilepsy or other seizure disorder
  • Gastrointestinal disorders, for example, Crohn's Disease, irritable bowel syndrome
  • Intellectual or developmental disability
  • Mental health conditions, for example, depression, bipolar disorder, anxiety disorder, schizophrenia, PTSD
  • Missing limbs or partially missing limbs
  • Mobility impairment, benefiting from the use of a wheelchair, scooter, walker, leg brace(s) and/or other supports
  • Nervous system condition, for example, migraine headaches, Parkinson’s disease, multiple sclerosis (MS)
  • Neurodivergence, for example, attention-deficit/hyperactivity disorder (ADHD), autism spectrum disorder, dyslexia, dyspraxia, other learning disabilities
  • Partial or complete paralysis (any cause)
  • Pulmonary or respiratory conditions, for example, tuberculosis, asthma, emphysema
  • Short stature (dwarfism)
  • Traumatic brain injury
Select...

PUBLIC BURDEN STATEMENT: According to the Paperwork Reduction Act of 1995 no persons are required to respond to a collection of information unless such collection displays a valid OMB control number. This survey should take about 5 minutes to complete.