Senior Analyst, AML Know Your Customer, APAC

About Circle

Circle is a global internet financial platform focused on building a more open economy through digital assets, payment solutions, and programmable blockchain infrastructure. Its offerings include a regulated stablecoin network backed by USDC, a payments network for cross-border money movement, and an enterprise blockchain designed for internet-scale financial use cases. The company works with enterprises, financial institutions, and developers to support trusted financial innovation.

Team and Working Style

Circle values clarity, resilience, and responsible growth. The organization is expanding across major jurisdictions and operates with a flexible environment where new ideas are welcomed and every employee is treated as a stakeholder. Its guiding principles include high integrity, a future-focused mindset, multistakeholder thinking, mindfulness, and excellence.

Role Summary

Circle is hiring a Senior Analyst to join its Compliance Operations team in APAC. The role centers on managing the full KYC review process for customer onboarding and ongoing monitoring. You will perform due diligence, evaluate risk, investigate warning signs, and support decision-making that helps protect the integrity and safety of the platform. The position sits at the intersection of digital assets, financial crime compliance, and emerging technology, while working closely with business and control teams.

Key Responsibilities

• Examine customer relationships to confirm that KYC documents, due diligence work, and risk reviews align with regulatory and internal standards.
• Carry out ongoing monitoring reviews, including transaction checks, customer profile maintenance, counterparty compliance discussions, and file testing.
• Review changes in customer profiles and spot significant risk drivers, warning signs, and new financial crime concerns.
• Keep KYC records accurate, complete, and ready for audit or review.
• Draft concise risk summaries, escalation materials, and senior-level risk acceptance memos for higher-risk accounts.
• Work with business partners, compliance teams, and regional leads to support customer review activities, risk assessments, and knowledge sharing.
• Track developing risks related to money laundering, fraud, sanctions, and digital assets, using AI-enabled tools to improve review quality and efficiency.

Core Requirements

• At least 4 years of experience in AML, KYC, customer due diligence, or broader financial crime compliance involving corporate clients.
• At least 2 years of experience in crypto, blockchain, digital assets, or fintech environments, including oversight of higher-risk customer relationships.
• Strong analytical and investigative ability to identify risk signals, assess complex information, and reach practical recommendations.
• Experience creating written risk assessments, escalation notes, and customer due diligence documentation for compliance review.
• Proven success working with business, compliance, legal, and operations teams in a fast-moving environment.
• Excellent written and spoken communication skills, with the ability to present findings clearly and briefly.
• Comfort using generative AI tools, Slack, Apple macOS, and Google Workspace.

Preferred Qualifications

• Strong knowledge of blockchain, digital assets, and the financial crime risks tied to modern payment ecosystems.
• Professional certifications such as CAMS, CFCS, CFE, or an equivalent credential are preferred.

Equal Opportunity and Support

Circle states that it is an equal opportunity employer and does not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, disability, or any other legally protected status. The company also participates in E-Verify in certain locations, where required by law.

Candidates who need interview accommodations or disability-related assistance can contact the company directly for support, and privacy will be respected during the accommodation process.

Compensation Notes

Circle says starting compensation depends on factors such as relevant experience, skill set, qualifications, and broader business needs. The company also notes that compensation may vary for candidates in different locations. No fixed salary range was provided.