Compliance Analyst
About the job
About Mural Pay
Mural is building the future of global payments—leveraging innovative technology to enable seamless, compliant cross-border transactions. As we scale, we are focused on strengthening our regulatory foundation to support our growth.
We are looking for a Compliance Analyst to join our team and play a critical role in client due diligence, risk management, sanctions screening, transaction monitoring, and financial crime prevention. This role will help ensure Mural maintains strong internal controls, operates in compliance with applicable regulations, and partners effectively with banking and financial service providers.
What You’ll Do
1. Client Due Diligence & Onboarding (KYC/CDD/EDD)
Conduct client due diligence (CDD) and enhanced due diligence (EDD) for all new and existing clients, ensuring compliance with regulatory requirements and internal policies.
Review business models, ownership structures, and transaction behaviors to assess potential risk exposure.
Evaluate KYB/KYC documentation, including corporate structures, UBOs, source of funds/wealth, and business legitimacy.
Perform screening reviews for sanctions, adverse media, politically exposed persons (PEP), and watchlists using compliance tools.
Escalate high-risk clients for additional review, providing clear justifications and risk mitigation recommendations.
Work cross-functionally with sales and customer success teams to ensure a seamless yet risk-aligned onboarding experience.
2. Ongoing Monitoring, Risk Reviews & SAR Filings
Assist in transaction monitoring and analysis, identifying unusual patterns or high-risk activities.
Conduct trigger-based and periodic enhanced due diligence (EDD) reviews on higher-risk clients.
Prepare and submit Suspicious Activity Reports (SARs) and other regulatory filings as needed.
Support the refinement of risk scoring models, helping to optimize efficiency and risk detection.
Investigate potential AML/sanctions red flags, preparing reports and recommendations for escalation.
3. Compliance Operations & Regulatory Support
Maintain accurate and up-to-date compliance records to support audits, examinations, and regulatory inquiries.
Assist in drafting, updating, and operationalizing compliance policies and procedures.
Support the company’s MSB and MTL licensing processes by gathering relevant due diligence and responding to regulatory requests.
Contribute to internal training programs, helping to educate teams on compliance best practices and regulatory requirements.
4. Process Optimization & Automation
Work with engineering and product teams to improve compliance workflows, data integrity, and automation of KYC/AML processes.
Identify operational bottlenecks in the compliance function and propose scalable solutions.
Support the implementation of new compliance technology tools, including transaction monitoring, KYB/KYC automation, and blockchain analytics.
5. Cross-Functional Collaboration & Business Enablement
Partner with sales, operations, and customer success teams to ensure compliance processes are well-integrated into the client lifecycle.
Provide clear, business-aligned compliance guidance to support company growth while maintaining regulatory integrity.
Assist in managing compliance relationships with banking partners, PSPs, and auditors.
What We’re Looking For
✅ 3-5 years of experience in AML compliance, risk management, or financial crimes within a fintech, payments, or financial institution.
✅ Strong knowledge of KYC, AML, CDD/EDD, sanctions screening, PEP reviews, and adverse media monitoring.
✅ Experience conducting risk assessments, SAR filings, and investigations related to financial crimes.
✅ Ability to assess risk and escalate concerns effectively.
✅ Strong analytical skills and ability to work with large datasets and compliance tooling.
✅ Familiarity with U.S. and international regulatory frameworks, including BSA/AML, FinCEN, FATF, and key global licensing requirements.
✅ Comfortable working in a fast-paced, high-growth startup environment.
✅ Strong communication skills and ability to collaborate across teams.
Nice to Have
⭐ Experience with compliance tools such as Persona, Chainalysis, GSuite, Notion.
⭐ Knowledge of stablecoins, blockchain analytics, or crypto-related AML frameworks.
⭐ Previous experience working with payment service providers, correspondent banks, or acquiring banks.
⭐ Experience supporting regulatory licensing applications (MSB, MTL, EMI, etc.).
⭐ Prior experience in compliance audit preparation or regulatory examinations.
⭐ Proficient in Spanish and English
Why Join Mural?
🚀 High-impact role at a fast-growing, innovative payments company.
💡 Collaborative team focused on solving big challenges in global finance.
📈 Opportunity for growth—build compliance from the ground up and gain exposure to high-level regulatory strategy.
