Senior AML, CTF, CPF & Sanctions Analyst

About us:

Luno is the crypto investment app you can rely on, enabling you to buy, store and explore crypto securely. We're committed to putting the power of cryptocurrency in everyone's hands sensibly and responsibly.

Since 2013, we've helped millions of people around the world invest safely in crypto. We do this by cutting through the hype and supporting customers at every step of the way. All products and cryptocurrencies on our platform must first meet stringent legal, risk and technical security standards.

Transparency is key for us. Luno stores all crypto on a 1:1 basis and we have rigorous processes in place so you can be confident your investment is secure. We're available in more than 40 countries around the world and we work closely with respective regulators in all of these markets to be fully compliant, as we believe this is the best way to help everyone, everywhere, invest safely.

The role in a nutshell:

• Your core mission (The "Why)

• You will form part of the AML, CTF, CPF & Sanctions Team based in South Africa,

Malaysia and Indonesia, and you will report to the Team Lead - AML, CTF, CPF &

Sanctions in South Africa.

• Our AML, CTF, CPF & Sanctions team is responsible for the implementation of money

laundering, terrorist financing, proliferation financing and sanctions risk mitigation

controls for Luno's global business.

• Our mission is to create a world-class AML, CTF, CPF & Sanctions Team that keeps

both Luno and our customers safe.

• You will work in a fast paced environment, collaborating with other business units,

including Engineering, Product, Countries and Legal teams, servicing the business on

an international level together with the teams from Africa, Asia Pacific and the UK.

• We make sure we have the processes and information available that enable us to

understand our risk, and using this foundation, we respond to any money laundering,

terrorist financing, proliferation financing and sanctions related risks in a swift

coordinated way.

Your mission will be:

• Core pillars of ownership and impact (The "What")

• Conduct reviews of screening alerts generated through LSEG Refinitiv

WorldcheckOne (Sanctions, PEPs, adverse media), and relating to customers,

employees and vendors.

• Creates detailed investigation reports which can be shared internally & externally and

conducts QA on outputs of other team members.

• Ability to trace complex financial crime syndicates on the blockchain and digest the

findings within an investigative report.

• Effectively uses ComplyAdvantage and Chainalysis KYT to review transaction

monitoring alerts and navigate and use Chainalysis KYT & Reactor to conduct in depth

transactional investigations into customer profiles.

• Conduct ad hoc and high level account reviews resulting in limit or risk upgrades.
• Managing, with oversight and subject to review, interactions with, requests from and

information sharing in relation to first line functional areas, with external and internal

stakeholders, regulators, bank and payment partners.

• Supports work for audits and regulatory engagements, ensuring accuracy,

completeness, and timely delivery of required information.

A little about you:

• Minimum Role Requirements (The "Baseline Standards"):

• Qualifications:

• Tertiary Education, to the equivalent of a graduate will be advantageous

• Skills & Experience

• A minimum of 3 years work experience in an AML, CTF, CPF & Sanctions related field.

• Identify need for and support functional leads with the creation,implementation, recording and managing role based training.

• Drive and lead work on the delivery of the team's goals.

• Displays the ability to receive directive, manage own work andreport on results on agreed upon deliverables or dates, with minimal

oversight.

• Gather relevant data from external sources like blockchain explorers, trading platforms, OSINT, and other sources to support

investigations.

• Able to use internal investigation/analytical tools most relevant to the functional area, to an advanced level to conduct in depth

investigations or analysis.

• Experience working with any of the following tools will be highly advantageous: Chainalysis KYT/Reactor, ComplyAdvantage, WorldCheck One, GeoComply, Notabene, Databricks, ThoughtSpot.
• Writes in a clear, concise, organised and unbiased manner on issues relating to the functional area, incl complex cross functional investigations, with limited supervision required before presenting

for sign-off e.g. conveys rationale, analysis conducted, risks

identified and proposed course of action.

• Finalise and file reports in respect of regulatory reporting and requests in conjunction with the MLRO without review.

• Writes reports that can be submitted to senior stakeholders with very limited adjustments

• Most Critical Competency Requirements

• Ensure Accountability

• Follows through on commitments and makes sure others do the

same.

• Acts with a clear sense of ownership.
• Takes personal responsibility for decisions, actions, and failures.
• Establishes clear responsibilities and processes for monitoring work

and measuring results.

• Designs feedback loops into work.

• Collaborates

• Works and collaborates with others across Luno to achieve shared

objectives.

• Represents own interests while being fair to others and their areas.
• Partners with others to get work done.
• Recognises others for their contributions and accomplishments.
• Builds trust and support others.
• Effectively collaborates on projects within AFC with limited

oversight in the implementation of proposed plans to address

outcomes of assessments of specific aspects within the functional

area.

• Takes the lead on multi-team investigations and coordinates the

final joint response.

• Create the awareness necessary for collaboration and delivery as a

team.

• Effectively and empathetically manages interpersonal conflict,

differing opinions and rival priorities with other AFC teams, with

management support.

• Seeks specialist knowledge or advice when required to support own

work or work of the team.

• May represent the Luno brand in public in limited instances.
• Collaborate effectively with external stakeholders in the developing

and implementation of financial crime prevention measures.

• Provide input and advice to other teams in Luno regarding financial

crime processes and insights.

• Demonstrates the ability to collaborate effectively and build strong

working relationships with teams beyond AFC, fostering alignment,

knowledge sharing, and more efficient cross-functional outcomes.

• Regulatory,Policy & Process Framework

• Understanding of legislation and regulations relating to crypto as

well as the process framework, and is able to identify breaches in

regulation.

• Stay abreast of emerging financial crime patterns and reputational

risks and informs the relevant teams.

• Lead the drafting of new Standard Operating Procedures (SOPs)

based on approved Policies and Minimum Standards and identify

areas of improvement in existing SOPs.

• Assists in development, implementation and revision of current

policies and procedures to ensure compliance.

• Able to identify accurately whether Luno is compliant with laws and

regulations.

• Demonstrates the ability to perform an initial review and analysis of

newly drafted or amended legislation.

• Investigate,Analyse and Execute

• Review alerts, customer accounts and transactions for red flags

indicating potential money laundering activity and take quick,

decisive action.

• Drive and manage in depth transactional investigations into

customer profiles, picking up and analysing complex money

laundering techniques in both fiat and crypto transactional

environment