AML Analyst (KYC) - Italian, German, Dutch or French Speaker

About

Swan is Europe's embedded banking specialist. We empower software companies to embed banking features like accounts, cards, and payments directly into their products, under their own brand. Swan processes over €1.5 billion in monthly transactions for more than 150 companies-like Pennylane, Indy, Agicap, Libeo, and Lucca. Founded in 2019, the company has received growth capital from leading investors such as Lakestar, Accel, Creandum, Bpifrance and Eight Roads. Swan is a principal member of Mastercard and a licensed financial institution, regulated by the French banking authority (ACPR).

Our mission

Banking belongs in business software

Many software companies already serve small businesses incredibly well: helping them send invoices, run payroll, manage inventory, and more. They're on a mission to become the central hub for managing every aspect of business life.

But when it comes to financial workflows, there's still a gap. Too many critical tasks like managing cash flow, tracking payments, or reconciling accounts happen outside the software, across spreadsheets, email threads, banking portals.

It's a missed opportunity. Business software shouldn't just record financial activity - it should run it.

To learn more about us: About Swan ; Our story .

Job description

We are looking for a capable, diligent, and proactive Know Your Customer (KYC) Analyst to join our Operations team, who comes from a tech-driven environment and feels at ease using modern tech tools, just like we do at Swan. In this position, you will be responsible for conducting detailed customer due diligence to prevent our organization from being misused for money laundering, financial fraud, and other financial crimes. Swan primarily onboards small and medium-sized companies and self-employed freelancers opening business accounts. While we use the term "KYC," it also refers to Know-Your-Business (KYB) processes

Our teams are all about customer obsession and making sure Swan offers the smoothest, most elegant BaaS experience out there!

Your mission

KYC:

• Conduct detailed customer due diligence, perform risk assessments, and make sure each customer complies with our company's KYC policy.
• Gather necessary information and documents from new customers and verify them effectively.
• Ensure complete, accurate and timely data entry of KYC records into the appropriate systems.
• Stay abreast of regulatory changes and updates regarding KYC and AML standards.
• Collaborate with the Compliance team in order to refine and optimize company's KYC policies.
• Ensure confidentiality of investigations and exchanges

Fraud Analysis:

• Assess and make recommendations to mitigate potential risks of financial fraud, money laundering, and terrorism financing.
• Use analytical tools and techniques to detect fraud, trends, patterns and provide actionable insights to enhance business risk strategies.

Client Relations:

• Building and establishing strong relationships with clients is a key aspect of this role. You will be acting as the main point of contact for KYC-related interactions, answering customers' questions and requests
• Improve documentation (Help Center) by implementing any ideas that allow for better client onboarding (articles, FAQ, etc.)
• Work effectively with all teams (Product, Engineering, Compliance, Operations, and Sales) to improve and develop new processes

Preferred experience

You're a great match if:

• You have +4 years of experience as a KYC/AML analyst, ideally in a Fintech, Payment Provider, Bank, consulting firm, or other fast-paced work environment.
• You have a solid understanding of KYC, AML, and due diligence requirements, along with knowledge of relevant regulations and best practices.
• Proven experience in developing, documenting, and implementing effective KYC procedures and playbooks.
• You are comfortable and thrive in a tech-driven environment, confidently utilizing tools such as Forest (CRM), Zendesk (ticketing system), and other AML/KYC-related software.
• You have excellent communication and cross-functional collaboration skills to effectively engage with both internal and external stakeholders.
• Strong analytical skills to identify key findings and make efficient decisions.
• You are highly organized, rigorous, and detail-oriented
• Strong leadership capabilities, including team coordination, mentoring, and effective stakeholder management
• Fluent in English and a native speaker in French, Italian, German, Dutch, or a Belgian official language (such as Dutch or French).
• Our ideal teammate: Empathetic. Skilled. Frank. We love to challenge each other, and we leave our egos at the door.

It's okay if you don't tick all the boxes - don't let imposter syndrome prevent you from applying!

Swan is committed to providing a caring work environment for all employees, regardless of age, sex, disability, sexual orientation, race, religion, or belief.

When it comes to recruitment, we're interested in your work experience, skills, and overall personality. Because diversity makes the workplace stronger and is necessary for Swan's success, we are intensifying efforts to incorporate concrete actions to help us improve in this area.

About Swan

Perks of being a Swanee:

Benefits vary by location. The Talent Acquisition Team will provide details during the screening call.

Our values:

Swan's core values guide our actions daily. Individually, they may seem obvious, but together, they form a unique culture.

Simplicity: Leonardo Da Vinci said: "simplicity is the ultimate sophistication." If something's convoluted or confusing, we work extra hard to break it down. - Making complex things simple is what we do.

Long Term: We always play the long game, whether it's to support our partners in their growth journey, or make tangible commitments to climate action.

Excellence: We are a team of experts who consistently go all out to create pixel-perfect banking services and exceed our partners' expectations- whatever it takes.

Be Human: We believe in the power of kindness and the importance of acting with integrity. But embracing our humanity extends beyond interpersonal interactions; it means caring about greater issues that affect our planet.

You can find out more about our culture .

Recruitment process

• Prescreen: Video call with a Talent Acquisition Specialist, to get to know you, understand your career expectations, and answer your questions (30 min)
• Case Study: Take-home case study to send back when completed, typically within ~2 days.
• Hiring Manager Interview: Discussion with the KYC Team Manager (45 min)
• Final Interview: Discussion with our Chief Operations Officer (45 min)

Department Operations Role AML Locations Paris, Berlin, Milan, Amsterdam, Barcelona Remote status Hybrid Employment type Full-time Type of contract Permanent