FinCrime Analyst

Job description

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 . Statement of Work As a FinCrime Analyst, you will play a crucial role in ensuring the safety and compliance of our financial operations. Operating within the Financial Crime team, which collaborates closely with Compliance, Legal, and Operations, you will be instrumental in detecting and addressing risks related to money laundering, fraud, sanctions, and other illicit activities. Your expertise will contribute to protecting the company’s reputation and ensuring regulatory compliance. ✨ Main Tasks Your primary mission is to act as a 2nd line KYC/AML expert, providing sound judgment on complex cases escalated by the 1st line, safeguarding high-risk onboarding decisions, and strengthening the organization's overall AML/CTF risk control framework. KYC Advisory - 2nd line: Analyze escalations from 1st line (KYC team) on complex cases and deliver a well-reasoned expert opinion. Screening & due diligence: Conduct in-depth due diligence on PEP, adverse media, and sanctions matches (risk assessment, documentation). Complex structures: Analyze and document complex ownership structures (beneficial owners, intermediary entities, multi-jurisdiction control chains). Onboarding decision: Formulate a well-reasoned recommendation (onboard, decline, or request additional documentation) based on solid regulatory analysis. Regulatory interpretation: Provide expert guidance on regulatory implications (KYC, AML) to support and guide the 1st-line teams. Draft Procedures and SOPs to support the continuous improvement of policies and controls. Training: Support the upskilling of 1st-line teams on KYC regulatory topics (workshop, training session). ✨ Curious about your future team? The Financial Crime team is composed of around 15 individuals and acts as the 2nd line of defense on onboarding risk, bringing deep regulatory expertise to complex KYC cases escalated by our operational teams. We work hand in hand with the KYC 1st line team , providing expert guidance and sound judgment on the most complex and high-risk cases they escalate to us. We also partner closely with Product & Automation teams to continuously improve our tooling, screening processes, and onboarding workflows, and with Internal Control to ensure our decisions and procedures remain robust, well-documented, and aligned with regulatory expectations. Preferred experience You have around 5 to 10 years of experience , including at least 1 to 2 years in a 2nd line compliance or advisory role on onboarding cases, ideally within a traditional bank, fintech or payments provider You have a strong knowledge of KYC /AML regulation (FATF recommandations, EU AML directives etc) You have hands on experience handling PEP, adverse media, and sanctions cases, as well as analyzing complex ownership structures (beneficial owners, multi- jurisdiction setups. You have a strong regulatory analysis skills and a rigorous, structured mindset. You demonstrate excellent written and verbal communication skills, able to formalize clear, defensible opinions and liaise with internal teams and external stakeholders. You have a curious and proactive mindset, driven to get to the bottom of every case. ou show strong judgment and decision-making skills, able to take a stance on ambiguous cases by leveraging your expertise. You are fluent in English and/or French; a 3rd European language is a plus. 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: Holidays : 25 days + RTT 🏝️ Meal Vouchers: We provide a meal voucher card to cover your meals on work days. 🥗 Transport: Monthly mobility package for employees. In accordance with the company agreement for sustainable mobilities, you can now use your mobility package to pay for alternative commuting modes. 🚇 Health insurance (mutuelle) : Alan . This is Swan's health and welfare insurance. 🚑 Sports : Thanks to our partnership with Classpass and Gymlib , you can enjoy advantageous discounts on subscriptions. They offer a wide range of sports activities as well as wellness activities. 🏋 Well-being support: access to Moka Care for mental health and wellness. 🧘 Hybrid remote policy : We offer the possibility of working from home for 2 days per week. 🏡 Offsite : Once a year we gather to reconnect, deep-dive into big topics, and relax. 🤝 This isn’t a perk, it should be the rule, but diversity and inclusion are important at Swan. We’re working hard to get better every day. ✨ 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 Talent Acquisition Manager interview: A 30-min video call to get to know you, understand your career expectations and answer your questions Hiring Manager Interview: a 1-hour interview with Mouna, FinCrime Manager Case Study: a 1-hour interview with 2 members of the FinCrime team Peer Interview: Meet with one team member Final Interview: 1-hour interview with our Head of FinCrime