Compliance Operations Analyst (m/f/d)

ABOUT US

Pliant is a European fintech specializing in B2B payment solutions. Our modular, API-first platform helps businesses streamline spending, improve cash flow, and integrate payments into their financial workflows. Designed for industries with complex payment needs, such as travel and fleet, Pliant enables greater efficiency, control, and profitability.

We serve two primary customer segments:

Companies looking to optimize operational processes through intuitive apps and APIs, gaining control, automation, and financial flexibility through extended credit lines.

Businesses such as financial software platforms, ERP providers, and banks that want to launch or enhance their credit card offerings using Pliant’s embedded finance and white-label solutions.

Founded in 2020 and headquartered in Berlin, Pliant supports over 4,000 businesses and more than 20 partners globally. As a licensed e-money institution (EMI), we issue Visa-powered credit cards in 11 currencies across more than 30 countries, helping companies streamline and simplify payments.

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 US-related business and regulatory requirements. You are responsible for ensuring that KYB, KYC, and AML reviews involving US exposure meet applicable standards and are handled with strong judgment and consistency.

You act as the first-line subject-matter expert for US compliance topics, supporting the development of onboarding practices aligned with BSA/AML expectations. In doing so, you build the foundation for scalable and robust US 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 Head of Compliance Operations and collaborate cross-functionally with Credit Risk, Product, and Tech teams.

WHAT YOU’LL DO

Own complex onboarding cases end-to-end, with a focus on customers involving US exposure, including identification and verification of legal representatives and beneficial owners using reliable sources such as commercial registers and corporate structure documentation.

Conduct risk assessments in line with EU and US AML requirements, applying internal policies and regulatory expectations to make well-reasoned onboarding decisions.

Take ownership of the quality and consistency of US-related compliance reviews, ensuring alignment with BSA/AML principles and internal standards.

Review cases prepared by colleagues, upholding the four-eyes principle and ensuring accuracy, completeness, and regulatory soundness.

Maintain clear, structured, and audit-ready documentation across all onboarding and compliance activities.

Coordinate account opening by preparing and transmitting compliant data sets to our partner bank.

Monitor existing customers, with particular attention to US-related risk factors, ensuring that relevant changes are identified, assessed, and properly reflected in internal systems.

Drive operational improvements by identifying inefficiencies and gaps, especially in US-related workflows, and working with Product and Tech teams to implement scalable solutions.

Act as a subject-matter expert for US compliance topics within the first line, supporting colleagues and enabling consistent, high-quality decision-making.

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.

Strong hands-on experience with KYB/KYC onboarding and customer risk assessments, including the ability to independently handle complex corporate structures.

Clear exposure to US AML requirements and working knowledge of BSA/AML principles, with the ability to apply them in a practical, operational context.

Solid understanding of EU AML/CTF frameworks and how they interact with international compliance requirements.

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

Company card with a monthly allowance for lunches, coffee, etc. with co-workers

At Pliant, we believe diversity and inclusion are essential to building not only an innovative product but also an exceptional experience for both our customers and our team. This commitment begins with our hiring process—we welcome individuals of all racial and ethnic backgrounds, religions, national origins, gender identities or expressions, sexual orientations, ages, marital statuses, and abilities. If you require accommodations or accessibility support during the interview process, please let us know in your application so we can make sure your experience is seamless.