As Marqeta's Risk Senior Analyst, KYC, you will play a critical role in protecting the integrity of Marqeta's card programs by owning consumer and business KYC compliance across our global issuing partnerships, directly reducing corporate risk and keeping Marqeta aligned with evolving regulatory standards. You'll be part of the Risk Operations team, a collaborative group that sits at the intersection of compliance, fraud prevention, and operational excellence. In this role, you'll independently investigate and resolve complex CIP/KYC issues, coordinate with issuing banks on EMEA and CAD compliance requirements, oversee US and global sanctions research, and drive process improvements that streamline how we work at scale.

This role can be performed in a hybrid work model (Tuesday, Wednesday, Thursday onsite) from our Warsaw office. We’d love for you to join us!

The Impact You’ll Have

Independently resolve problems that require in depth investigation and/or research

Conduct follow-up research on CIP/KYC issues

Maintain or exceed established standards for customer service, and resolves complex issues with little or no supervision or direction

Coordinates with Issuing Banks to ensure that Marqeta is compliant with their requirements for EMEA,CAD CIP/KYC/KYB; performs required CIP/KYC audits in compliance with bank requirements

Practice using sound decision-making and discretion in making independent decisions that mitigate corporate risk at each decision point throughout the review.

US and Global Sanctions research and oversight of the work performed by the BPO

Identify process and/or system improvement initiatives and resolution in order to re-engineer and streamline workflow.

Maintains a current understanding of and complies with Marqeta and Issuing Bank procedures and policies, including regulatory compliance issues related to BSA procedures and policies, GLBA, Dispute Resolution and Safeguarding Customer Information.

Who You Are

5 years related experience

Proven ability to develop and implement efficient and effective business and consumer CIP/KYC processes

Demonstrated ability to achieve results through cross-functional, virtual teams

Ability to prioritize, manage, and deliver on multiple projects simultaneously; highly motivated and able to work against aggressive schedules

Superior communication skills (interpersonal, verbal, presentation written, email)

Positive attitude, team player, adaptable, resourceful, and self-starter who is able to work independently

Skilled in G-Suite, Snowflake, SQL and Looker.

Nice-To-Haves

Undergraduate level degree in STEM or business, finance or economics

CAMS certification

Card payment issuance, processor, program manager experience

Knowledge of basic regulatory and compliance requirements in card payments space

Knowledge of SQL

Your Manager

Guy Bineli, Senior Manager, Risk Operations

Typical Process

Application Submission

Recruiter phone call

Hiring manager video call

Virtual “Onsite” consisting of 4-5, 45 min calls

Offer!

Compensation and Benefits

When determining salaries, we consider several factors including, but not limited to, skills, prior experience, and work location. The new-hire base salary range for this full-time position, reflected in PLN, is: 156,000- 195,000.

The bonus target for this position is 10% of the applicable base salary, subject to the plan terms and meeting eligibility requirements.

Along with monetary compensation, Marqeta currently offers

Monthly stipend for your home office equipment and connectivity

Annual development stipend to support your growth and development

Pension Scheme provided by Allianz

Employee health insurance through LUX MED with employee cover paid at 100% by Marqeta

Four floating holidays as additional paid days off to annual leave entitlement

In-office amenities including: drinks and snacks, wellness room, dedicated barista, community events onsite

MultiSport Plus membership offerings

About Marqeta

Marqeta is on a mission to change the way money moves. We’re one of the earliest enablers of embedded finance, a market opportunity sized up in the trillions. Our card issuing platform provides unprecedented flexibility and control for companies to issue cards, authorize transactions, and manage payment operations in real time. Marqeta is powering the most well known brands in the new economy (Block, Cash App, Affirm, Instacart, Doordash, Uber, Walmart, etc). You don’t need to be a Payments expert to join the Marqeta Team, let us help you with that. This is the opportunity of a lifetime to work with innovators around the world and unlock equitable financial access for all.