KYC Analyst Romania

Who we are

iBanFirst is a fast-growing European fintech that is revolutionizing international payments for SMEs. Founded in 2016, our platform empowers Small & Medium Multinationals (SMMs) to regain control over their payment operations: currency conversion (FX), international transactions, and foreign exchange risk management across 140 countries — quickly, transparently, and securely. 

We make life easier for SMEs through an advanced technology platform (automation, APIs, AI…) combined with dedicated expertise, offering the best of both worlds: the agility of a SaaS solution and the reliability of a trusted partner. 

By simplifying complexity, iBanFirst helps thousands of bold companies seize global business opportunities with peace of mind — delivering simplicity, transparency, and security. 

Key figures 

• 350+ employees across 14 offices in 11 European countries 

• 30+ nationalities represented, average age: 32 

• 10,000 corporate clients trust us 

• €80M in revenue in 2025, with a target of around €100M in 2026 

• Profitable for nearly two years 

• Ranked for 6 consecutive years in the Financial Times FT1000, among the fastest-growing European companies 

• An NPS of 87.5 — an exceptional score in our industry that reflects enthusiastic client feedback on the simplicity, speed, and quality of our service 

A strong culture built around 4 core values 

• Team First: The complexity of our industry demands collective intelligence. We prioritize cooperation, transparency, and knowledge sharing. Success is a team effort, and decisions are made together. 

• Tenacity: We’re transforming a challenging and highly regulated market. It requires endurance, fast learning, and resilience — qualities rooted in our entrepreneurial DNA. 

• Transformation: Innovation is not a buzzword; it’s a necessity in a constantly shifting and strategic sector. We innovate with intent: every technical, product, or organizational improvement is designed for real impact. 

• Trust: Trust is the foundation of everything we build — with our clients and, above all, internally. It’s driven by ownership, autonomy, and a shared commitment to transparency, rigor, and reliability.

Why join us? 

• We operate at the heart of a strategic and fast-evolving sector: international payments for SMEs — a complex, high-potential market. 

• We’re driven by a meaningful mission: helping bold “Small & Medium Multinationals” succeed globally. 

• Our platform integrates cutting-edge technologies (AI, automation…), making it an ideal playground to test, learn, and innovate continuously. 

• You’ll join an agile environment where your expertise has tangible impact, working alongside talent from top financial institutions. 

• iBanFirst is profitable and backed by long-term investors: 

• Xavier Niel and Bpifrance, historical shareholders, have supported and trusted us from the beginning 

  1. In 2021, the entry of Marlin Equity Partners marked a new chapter in our international ambitions 

Joining iBanFirst means joining a profitable, international, fast-growing tech company. It’s also a chance to learn, grow, and contribute directly to a shared ambition: simplifying international finance for SMEs. 

Manager & Team

You will report to Sabin Ciocanelli, KYC Operations Manager, and work closely with the Sales team and broader compliance stakeholders across Europe. 

The KYC team is currently composed of 16 people, based in Paris, London, Bucharest, Sofia and most recently Luxembourg.

What will you do

KYC, Onboarding and Periodic Review Analyst

Role overview

We are looking for a KYC Analyst to join our Due Diligence team.

In this role, you will support the full customer due diligence lifecycle, from the onboarding of new customers to the ongoing monitoring and periodic review of existing business relationships. You will be responsible for verifying customer information and documentation, assessing ownership structures and customer risk, performing screening checks, and ensuring that customer files remain accurate and compliant throughout the relationship.

You will work closely with Sales, Account Managers, Compliance, and other internal stakeholders to ensure a smooth and compliant onboarding experience, while maintaining iBanFirst’s AML/CFT standards and risk appetite. iBanFirst applies customer due diligence at onboarding, during periodic reviews, and whenever a trigger event or new risk information requires reassessment.

Updated key responsibilities

Customer onboarding

• Perform KYC and Customer Due Diligence reviews for new customers.

• Review and validate customer information and documentation in line with applicable AML/CFT requirements and internal procedures.

• Verify:

  • Legal entity details and registration information.

  • Directors, legal representatives, shareholders, and Ultimate Beneficial Owners.

  • Ownership and control structures.

  • Identity documents and authority to act on behalf of the customer.

  • Business activity and purpose of the relationship.

  • Expected transaction volumes, currencies, countries, counterparties, and payment flows.

  • Source of funds and, where relevant, source of wealth.

• Conduct screening checks on customers and related parties, including sanctions, PEP, adverse media, and enforcement screening.

• Assess customer risk using the applicable risk assessment methodology.

• Request clarification or additional documentation where information is incomplete, inconsistent, outdated, or unclear.

• Prepare cases for four-eyes review and obtain the appropriate approval based on the customer’s risk level.

• Escalate high-risk, complex, or potentially suspicious cases.

• Ensure that onboarding decisions, analysis, supporting documents, and approval rationales are properly recorded in the relevant systems.

• Collaborate with Sales and Account Managers to support an efficient customer experience without compromising regulatory requirements.

Periodic reviews

• Perform risk-based periodic reviews and event-driven reviews of existing customers.

• Confirm that customer information, documentation, ownership structures, and risk assessments remain accurate and up to date.

• Identify changes in business activity, ownership, management, countries, transaction volumes, or customer risk profile.

• Request and assess updated documentation and customer clarifications.

• Reassess the customer risk rating and escalate material changes to Compliance where appropriate.

• Ensure that all review findings, decisions, and remediation actions are fully documented.

• Analyse customer activity against the declared business profile and expected transaction behaviour.

• Review payment flows, countries, counterparties, beneficiaries, volumes, and transaction patterns.

• Identify inconsistencies or unusual activity and escalate cases where the economic rationale cannot be established.

• Contribute to ongoing customer monitoring and the identification of trigger events requiring an enhanced or event-driven review.

Screening and financial crime risk assessment

• Review and resolve screening alerts related to customers, directors, representatives, shareholders, UBOs, and other relevant parties.

• Distinguish between false positives and potential true matches.

• Document the rationale for alert resolution and escalation.

• Assess potential PEP, sanctions, adverse media, fraud, money laundering, terrorist financing, or reputational risks.

• Support enhanced due diligence activities for higher-risk customers.

• Escalate cases that may require Compliance investigation or further management approval.

Candidate profile

• Previous experience in KYC, AML, Customer Due Diligence, customer onboarding, periodic reviews, transaction monitoring, or compliance operations.

• Experience reviewing corporate documents, ownership structures, UBOs, and customer risk profiles.

• Experience in a bank, payment institution, fintech, financial services company, or other regulated environment is preferred.

• Strong understanding of the customer onboarding lifecycle and risk-based AML/CFT controls.

• Ability to balance customer experience with regulatory and internal control requirements.

• Strong analytical skills and attention to detail.

• Ability to investigate inconsistencies and make well-documented decisions.

• Excellent written and verbal communication skills.

• Ability to manage multiple onboarding and review cases while meeting deadlines.

• Good command of English. Additional European languages are an advantage.

Success in this role will be measured through:

• Timely and accurate completion of customer onboarding cases.

• Quality and completeness of KYC files.

• Effective identification and verification of customers, representatives, and UBOs.

• Accuracy of risk assessments and screening decisions.

• Timely escalation of high-risk or potentially suspicious cases.

• Smooth collaboration with Sales, Account Managers, Compliance, and Operations.

• Timely completion of periodic reviews and remediation actions.

• Clear documentation of analysis, decisions, approvals, and customer communications.

What do we offer

• Contract: Permanent — full-time

• Start date: Ideally beginning of November 2027

• Location: Bucharest – Ceasornicului 17, Boutique Office

• Compensation: €28,500

• Remote policy: hybrid model

Why join us?

• Build a solid compliance and KYC expertise in a fast-growing, profitable fintech

• Work in a truly international environment — daily English, European team

• Thrive in a multicultural setting with colleagues from 30+ nationalities across 14 offices

• Participate in company-wide events, including team offsites, company parties, and regular social activities.

Recruitment Process

HR Phone Screening

Interview with the Hiring Manager (KYC Operations Manager)

Interview with the KYC Team Lead and KYC Quality Assurance Lead

Remote or in person – 45-60 minutes

Purpose: Technical knowledge, operational understanding