Senior Compliance & AML Risk Analyst

About Addi

We are a leading financial platform, building the future of payments, shopping, and banking—a world where consumers and merchants can transact effortlessly, grow together and where we create abundance and generate pride in them. Today, we serve over 2 million customers and partner with more than 20,000 merchants, making Addi Colombia’s fastest-growing marketplace.

We provide banking solutions (deposits, payments, unsecured credit) and commerce services (e-commerce, marketing) using state-of-the-art technology, bridging the financial gap for millions and redefining how people experience financial freedom. As the country’s leading Buy Now, Pay Later provider, we have secured regulatory approval to operate as a bank, unlocking even greater opportunities for our customers. In the past year, we have also achieved profitability, reinforcing the strength of our business model and our ability to scale sustainably.

Our mission has earned the trust of world-class investors, including Andreessen Horowitz, Architect Capital, GIC, Goldman Sachs, Greycroft, Monashees, Notable Capital, Quona Capital, Union Square Ventures, Victory Park Capital, and more, who back our vision for the future. With their support, we are not just growing—we are transforming Latin America’s financial ecosystem and shaping the next generation to shop, pay, and bank in Colombia.

But what truly sets us apart is how we build. We are a conscious company, driven by deep experience in scaling technology, services and products, and we live by our values every day.

About the Role

This is where you come in. Below, you’ll find what this role is all about—the impact you’ll drive, the challenges you’ll tackle, and what it takes to thrive at Addi. If you’re ready to be part of something big, keep reading.

What’s the mission you’ll drive

Strengthen our risk management framework to meet AML and Compliance regulatory requirements as we transition into a regulated financial entity. This role will support our growth by improving due diligence in onboarding processes, risk assessments, and regulatory reporting, ensuring adherence to regulations while maintaining operational efficiency. The Senior AML KYC Analyst will work closely with different teams to ensure our processes align with our risk appetite and business strategy.

What you will do

1. Strengthen AML and compliance processes to improve counterparties risk assessment and ensure regulatory adherence. This involves:

   • Assist in risk profiling, KYC (Know Your Customer) due diligence, and enhanced due diligence reviews, ensuring a thorough evaluation of customer risks and adherence to regulatory requirements.

   • Ensure effective PEP (Political Expose Person), Sanctions, and adverse media screening by supporting comprehensive reviews, enhancing screening processes, and refining escalation protocols for timely and accurate risk assessment.

2. Maintain strong AML and Compliance practices while optimizing regulatory compliance and internal controls. This includes:

   • Ensure adherence to AML and Compliance policies, collaborating to improve screening, monitoring, and risk evaluation processes.

   • Support regulatory audits and internal controls, preparing compliance documentation and reports, when needed.

   • Contribute to the implementation of risk-based assessments aligned with local AML and Compliance requirements.

3. Identify ways to streamline AML processes to maintain compliance and operational efficiency:

   • Identify opportunities to streamline KYC screening, onboarding, and monitoring processes, recommend enhancements for better decision-making.

   • Collaborate with data teams to leverage reports and insights that enhance KYC effectiveness.

4. Foster Cross-Functional Collaboration to Embed Compliance into Business Strategy:

   • Work closely with Risk, Legal, Operations, and Product teams to ensure AML and Compliance requirements are effectively embedded into business processes without disrupting customer experience.

   • Support the design and implementation of compliance-related initiatives by providing insights on regulatory requirements, process improvements, and risk mitigation strategies.

   • Assist in the development and monitoring of AML and Compliance training programs to ensure teams across the company understand regulatory obligations and best practices.

5. Support in the Design and Development of End-to-End Operational Workflows and Comprehensive AML/CFT Regulations.

   • Assist in the process of defining end-to-end operational workflows for AML/CFT-related processes.

   • Support the development of comprehensive AML/CFT compliance manuals and procedures.

6. Develop and maintain SQL queries and Python scripts in Databricks to extract, transform, and load data relevant for AML/CFT monitoring, reporting, and analysis.

What we’re looking for

• Educational Background

  • Bachelor’s degree in Law, Business Administration, Finance, Economics, Industrial Engineering, International Relations, or a related field.

• Proven AML/KYC experience

  • Minimum 3+ years of experience in anti-money laundering (AML), compliance, or risk management within fintech, banking, or a regulated financial institution.

  • Strong understanding of local AML regulations, specifically SAGRILAFT / SARLAFT frameworks.

  • Due Diligence & Risk Assessments: experience conducting processes like customer and counterparty Due Diligence (DD) and Enhanced Due Diligence (EDD) and adverse media screening for risk-based counterparty assessments.

• Risk Analysis & Process Improvement

  • Risk Identification & Escalation: Ability to assess risk exposure, detect suspicious activity, and escalate concerns when necessary.

  • Process Optimization: Provide recommendations for improving AML processes, such as refining transaction monitoring workflows or strengthening risk assessment methodologies.

• Data-Driven Mindset

  • Experience using data or reports to identify risk patterns, detect suspicious activities, or enhance compliance processes (e.g., identifying inefficiencies in KYC workflows).

  • Comfortable working with reporting tools, dashboards, and spreadsheets to analyze compliance metrics.

  • Proven ability to use data insights to: optimize risk assessments and decision-making, improve onboarding processes by identifying high-risk customer profiles and support regulatory reporting with accurate and data-backed insights.

  • Technical Understanding: good technical skills (e.g., SQL) are required, as well as data interpretation and risk modeling is essential.

Collaboration & Communication

• Ability to work effectively with other teams (e.g., Product, Engineering, Risk) to strengthen compliance controls.

• Attention to detail: demonstrates precision in investigations and a commitment to delivering measurable compliance improvements.

Why join us?

• Work on a problem that truly matters – We are redefining how people shop, pay, and bank in Colombia, breaking down financial barriers and empowering millions. Your work will directly impact customers' lives by creating more accessible, seamless, and fair financial services.

• Be part of something big from the ground up – This is your chance to help shape a company, influencing everything from our technology and strategy to our culture and values. You won’t just be an employee—you’ll be an owner

• Unparalleled growth opportunity – The market we’re tackling is massive, and we’re growing faster than almost any fintech lender at our stage. If you’re looking for a high-impact role in a company that’s scaling fast, this is it.

• Join a world-class team – Work alongside top-tier talent from around the world, in an environment where excellence, ownership, and collaboration are at the core of everything we do. We care deeply about what we build and how we build it—and we want you to be a part of it.

• Competitive compensation & meaningful ownership – We believe in rewarding our talent. You’ll receive a generous salary, equity in the company, and benefits that go beyond the basics to support your growth.

How the hiring process looks like

We believe in a fast, transparent, and engaging hiring experience that allows both you and us to determine if there's a great fit. Here’s what our process looks like:

• Step 1: People Interview (30 min)
  A conversation with a recruiter to get to know you, your experience, and what you're looking for. We’ll also share more about Addi, our culture, and the role.

• Step 2: Technical assessment
  A session to assess your skills using SQL, one of our team members will ask you to solve different exercises using your SQL experience

• Step 3: Initial Interview (45 min)
  A more in-depth conversation with the hiring manager, where we explore your skills, experience, and problem-solving approach. We want to understand how you think and work.

• Step 4: Case Study (3-5 Days)
  You may receive a real-world challenge or case study to complete. This is a chance to showcase your expertise and how you approach key problems relevant to the role.

We value efficiency and respect for your time, so we aim to complete the process as quickly as possible. Our goal is to make this experience insightful and exciting for you, just as much as it is for us. Regardless of the outcome, we are committed to always providing feedback, ensuring that you walk away with valuable insights from your experience with us.