Senior Analyst

Job Title: Senior Analyst - Risk & Legal About Us: Wisemonk is an India-focused Employer of Record (EOR) platform that helps global companies quickly and compliantly hire, pay, and manage talent in India—without the need to set up a local entity.

By handling payroll, compliance, and HR administration, Wisemonk removes the complexity from cross-border hiring and enables businesses to tap into India's deep talent pool with ease.

As the global demand for EOR solutions grows and much of the market remains untapped, Wisemonk is uniquely positioned to help international companies scale in India efficiently and cost-effectively.

At Wisemonk, we are driven by values of integrity, innovation, and inclusion, and are committed to building bridges in the global talent landscape—making international expansion effortless and successful for our partners.

Role Overview: The Senior Analyst – Risk & Legal will own risk assessment, monitoring, and compliance processes related to onboarding, payment screening, transaction monitoring, and suspicious activity reporting.

This role requires deep knowledge of risk frameworks, AML/CTF policies, and financial crime prevention, with a strong focus on ensuring compliance with Indian and global partner requirements.

You will liaise with internal teams, payment partners, and regulators, and be responsible for designing, maintaining, and improving the company's risk controls.

Key Responsibilities: Risk Assessment & Onboarding Conduct and document risk assessments for clients (Indian workers) and payers during onboarding, including KYC, PEP/sanctions screening, and source of funds verification.

Define and maintain risk rating models, ensuring appropriate due diligence levels (SDD, CDD, EDD).

Review and approve high-risk cases in line with escalation protocols.

Transaction Monitoring & Screening Implement rules-based and manual monitoring processes for unusual activity, sanction violations, and prohibited transaction indicators.

Manage payment screening against UN, OFAC, EU, UK, and other relevant sanctions lists.

Review, escalate, and resolve compliance alerts in a timely manner.

Compliance Policies & Procedures Maintain and update AML, CTF, Sanctions, Anti-Bribery, and Fraud Prevention policies in alignment with FIU-IND and partner requirements.

Ensure robust documentation and audit trails for all risk and compliance activities.

Oversee periodic review and refresh of client profiles based on risk category.

Regulatory & Partner Liaison Support reporting obligations to FIU-IND and other authorities, including suspicious transaction reports (STRs).

Collaborate with global payment partners (e.g., Currencycloud) to align risk procedures.

Prepare compliance documentation for audits and partner reviews.

Training & Risk Culture Conduct regular compliance training for internal teams.

Drive awareness of financial crime risks and ensure adherence to tipping-off regulations.

Requirements: FRM (Financial Risk Manager) certification – mandatory.

Bachelor's/Master's degree in Finance, Economics, Law, or related field.4–6 years of experience in the Risk/Compliance department of a regulated financial services company, fintech, or payments firm.

Proven track record in AML/CTF compliance, sanctions screening, and transaction monitoring.

Familiarity with FIU-IND guidelines, RBI regulations, and global sanctions regimes.

Experience handling regulatory reporting and partner compliance questionnaires.

Skills & Competencies: Strong analytical and investigative skills with attention to detail.

Excellent knowledge of KYC, PEP, and sanctions screening tools.

Ability to interpret and apply regulatory requirements to operational processes.

Strong communication and stakeholder management skills.

High integrity, professional skepticism, and sound judgment.

Why Join Us: Work at the intersection of global payments, compliance, and technology.

Build a high-impact risk function from the ground up.

Collaborate with global payment leaders and compliance teams.

Competitive compensation and growth opportunities.

This is a work-from-office role based at our headquarters in the heart of Bengaluru.

Our office is conveniently located at 43, Nehru Nagar Main Road, Seshadripuram, Bengaluru.

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