Compliance Operations Analyst (m/f/d)
Pliant · Berlin, Germany · 3mo ago
ABOUT US
Pliant is a modular B2B payments platform that combines commercial card issuing, payment accounts, FX, and spend management in one system — adapting to existing setups rather than requiring customers to replace them.
Businesses across industries such as travel, e-commerce, and insurance use Pliant to manage complex payment workflows with cards, backed by credit lines Pliant underwrites itself.
Fintechs and software platforms embed Pliant's payment infrastructure into their own products, from API-based Cards-as-a-Service to fully white-label solutions. Banks use Pliant's Card & Spend OS, the customer-facing interface, on their own infrastructure to run card programs.
Founded in 2020 and headquartered in Berlin, Pliant serves 5,000+ businesses and 40+ partners across Europe and the United States. A principal member of Visa and Mastercard, Pliant issues commercial cards in 13 currencies across 32 countries — under its own European e-money license and with licensed partners in the UK and US.
Learn more at www.getpliant.com
ABOUT THE ROLE
As a Compliance Operations Analyst, you take ownership of onboarding and risk assessment for our corporate clients, with a particular focus on European business and regulatory requirements. You are responsible for ensuring that KYB, KYC, and AML reviews involving European exposure meet applicable standards and are handled with strong judgment and consistency.
You act as the first-line subject-matter expert for European compliance topics, supporting the development of onboarding practices aligned with EU and broader European regulatory expectations. In doing so, you build the foundation for scalable and robust compliance operations within Pliant.
Beyond case handling, you contribute to improving our compliance operations by refining processes, enhancing systems, and driving scalable solutions. You work closely with the Team Lead of Compliance Operations and collaborate cross-functionally with Credit Risk, Product, Legal and Compliance teams. This role offers a clear path to senior or lead positions as Pliant's compliance function grows.
WHAT YOU’LL DO
Onboarding & Risk Assessment
Own complex onboarding cases end-to-end — from initial document review through to final decision — for customers across European markets, including identification and verification of legal representatives and beneficial owners using commercial registers and corporate structure documentation.
Conduct thorough risk assessments applying internal policies and regulatory expectations, making well-reasoned, documented decisions on customer acceptance, escalation, or rejection.
Assess complex ownership structures, including multi-layered holding companies, determining ultimate beneficial ownership with accuracy and confidence.
Quality & Oversight
Review cases prepared by colleagues, upholding the four-eyes principle and providing constructive feedback to maintain high standards across the team.
Maintain clear, structured, and audit-ready documentation across all onboarding and compliance activities, ensuring full traceability of decisions.
Serve as a go-to reviewer for edge cases and escalations, helping set the bar for decision-making quality across the team.
Prepare and ensure compliance of customer data sets as part of the account opening process.
Process & Product Improvement
Proactively identify inefficiencies in compliance workflows and drive concrete, scalable improvements in collaboration with relevant teams.
Contribute to the development and refinement of internal policies, procedures, and risk frameworks as the business scales into new markets and segments.
Support the rollout of new compliance tooling, including testing, feedback, and adoption within the team.
WHAT YOU’LL BRING
3+ years of experience in operational compliance (first line), working with SME or corporate clients within a bank, fintech, or regulated financial institution in Europe.
Strong hands-on experience with KYB/KYC onboarding and customer risk assessments, including the ability to independently handle complex corporate structures across European jurisdictions.
Solid understanding of European AML/CTF frameworks and how they interact with international compliance requirements, with the ability to apply them in a practical, operational context.
Familiarity with jurisdiction-specific regulatory requirements and corporate registry practices across key European markets.
A degree in law, finance, economics, or a related field, or a relevant professional certification (e.g. CAMS or equivalent) is a strong plus.
Demonstrated ability to make sound, risk-based decisions and balance regulatory requirements with business needs.
High attention to detail and a strong quality mindset, with the ability to manage complex and sensitive cases reliably.
Analytical and structured thinking, with the ability to quickly understand new regulatory requirements, systems, and risk scenarios.
Proactive and collaborative working style, with confidence in engaging cross-functional stakeholders and taking ownership of topics.
Fluent English, written and spoken; additional European languages are a plus.
WHAT WE OFFER
The opportunity to work in a growing team with big responsibilities that thrives on a strong exchange of knowledge and excellence
Attractive remuneration
Flat hierarchy and transparent communication in a relaxed, professional atmosphere
Opportunity to develop your talent in a dynamic team with ambitious goals
Flexibility and possibility to work remotely
Monthly mobility benefit
Wellhub Membership
Pliant Card with monthly credit to explore the product and enjoy food with colleagues
Pliant is an equal opportunity employer. We welcome applications from people of all backgrounds, identities and abilities, and are committed to an inclusive hiring process. If you need any accommodations during the interview process, please let us know.
At Pliant we use the Ashby AI Criteria to assist with looking over resumes against our job qualifications for this role. All final decisions are made by our Talent Team and Hiring Team.
A human is behind these processes. Ashby does not automatically reject candidates or make final hiring decisions. Our teams review all results and make the final hiring decision with every candidate that applies.