Analyst - KYC/KYB L1-L2-L3

About Us
Straive is a global leader in AI-driven value creation, business transformation, and Global Capability Center delivery, helping enterprises build scalable, technology-enabled operations.
The role supports a global ecommerce and social commerce financial crime program covering KYC/KYB, Sanctions, Transaction Monitoring, Enhanced Due Diligence, and regulatory reporting workflows.
Program Overview
This role supports a global FinCrime operations program for an ecommerce and social commerce environment. The operating model covers Transaction Monitoring, KYC/KYB, Sanctions, Enhanced Due Diligence, and regulatory reporting activities across a three-tier alert lifecycle.
The team is transitioning from primarily manual reviews to an AI-augmented model. Low-risk reviews will increasingly be automated, and the remaining AI Delta will require human reviewers to validate AI-generated outputs for accuracy, completeness, evidence quality, and risk appropriateness.
Because manual work will focus on higher-complexity exceptions, all roles require strong English reading comprehension, clear written English, structured case-note writing, and the ability to produce audit-ready narratives.
SLA and Quality Expectations
• KYC/KYB data confirming, data screening, Checker 1 and Checker 2: 2 business days.
• Enhanced Due Diligence investigations: 14 business days.
• Sanctions case review and disposition: 1 business day.
• Transaction Monitoring L1/L2 review of monitoring rules: 25 calendar days.
• Minimum quality and completion expectation: 95% or above, subject to internal quality control and client quality review.
• Core KPIs include alert SLA adherence, quality score benchmarks, and documentation completeness.
Role Summary
Review KYC/KYB alerts and cases across L1 triage, L2 deep-dive investigation, and L3 EDD/Sanctions support. The analyst must verify customer and business information, assess risk, validate AI-generated outputs, and produce evidence-based recommendations for clearance, escalation, or enhanced due diligence.
Key Responsibilities
• L1: Perform data confirming, data screening, document checks, customer profile review, initial risk categorization, and false-positive clearance under approved playbooks.
• L1: Review legal name, registered address, business address, entity type, business model, ownership, controllers, directors, authorized signatories, and available screening results.
• L2: Investigate complex KYC/KYB alerts involving high-risk indicators, missing information, opaque ownership, adverse media, PEP exposure, sanctions-related concerns, unusual activity, and linked seller behavior.
• L2: Analyze expected versus actual user or seller activity, source of funds, source of wealth, business purpose, product/geography risk, and network linkages.
• L3: Support EDD and sanctions adjudication by preparing comprehensive investigation narratives and evidence packs for high-risk cases.
• Collaborate with L2 investigators, sanctions/EDD reviewers, and compliance stakeholders to resolve complex or incomplete cases.
Screening, Risk and Escalation
• Screen and assess the customer, UBOs, controllers, directors, authorized signatories, payees, and relevant connected parties for sanctions, PEP, adverse media, fraud, and money laundering risk.
• Escalate sanctions-related issues, unresolved close hits, ownership/control concerns, and adverse media that cannot be mitigated or discounted.
• Ensure KYC/KYB risk ratings reflect sanctions exposure, high-risk geographies, product risk, ownership opacity, and suspicious activity indicators.
AI Validation and Documentation
• Validate AI-generated KYC summaries, document extraction, risk indicators, and suggested dispositions against source records.
• Identify missing information, unsupported AI conclusions, inconsistent customer data, and false-negative risk.
• Use clear written English to explain evidence, risk factors, mitigation, and escalation rationale.