Compliance Analyst

At epay, we connect consumers, retailers, brands, and digital service providers through innovative payment and distribution solutions. We offer a broad range of prepaid, gift card, digital content, payment processing, and value-added services, helping customers access the products and services they use every day. Leveraging our global network, technology platforms, and retail partnerships, we deliver these solutions through thousands of physical and digital touchpoints. As part of Euronet Worldwide, epay operates in multiple markets worldwide, enabling seamless distribution, payment acceptance, and digital commerce experiences for consumers and businesses alike.

As a Compliance Analyst, your primary responsibilities will be to review corporate and individual customer onboarding applications, conduct ongoing customer due diligence, and investigate transaction monitoring alerts relating to epay’s operations in Australia and New Zealand.

DUTIES

• Review corporate and individual customer onboarding applications, transactions, and supporting documentation.
• Conduct Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) in accordance with applicable Know Your Customer (KYC) requirements and epay policies.
• Communicate directly with customers and business partners to clarify documentation requirements, resolve discrepancies, and support timely application outcomes.
• Perform ongoing monitoring and periodic reviews of customer relationships, including reviews triggered by relevant events or changes in customer risk.
• Investigate transaction monitoring alerts and assess whether activity is unusual or suspicious, escalating matters in accordance with internal procedures.
• Review politically exposed person (PEP) and sanctions screening referrals at onboarding and transaction level in accordance with epay policies.
• Analyse transaction data and fraud metrics to identify trends and indicators that may assist in detecting and preventing fraud.
• Provide day-to-day compliance operations support to teams across epay.
• Maintain accurate and complete compliance records in accordance with applicable requirements and internal procedures.
• Remain up to date with epay’s core business activities and support the compliance assessment of proposed business initiatives.
• Identify, document, and escalate emerging compliance issues or concerns, and support their resolution.
• Contribute to process improvements and projects that strengthen the effectiveness and efficiency of the compliance operations function.
• Maintain consistently high standards of performance when managing competing priorities, complex matters, and challenging deadlines.
• Promote a positive, inclusive, and collaborative team culture through open and professional communication.

QUALIFICATIONS

• Relevant compliance experience in financial services, payments, fintech, or a comparable regulated environment.

• Knowledge of AML/CTF, KYC, customer due diligence, sanctions, and transaction monitoring requirements, particularly in Australia and New Zealand.

• Experience interacting with, or preparing information for, relevant authorities such as AUSTRAC, the New Zealand Department of Internal Affairs, and New Zealand Police will be well regarded.

• Ability to understand complex financial products, customer structures, and transaction patterns.

• Ability to work effectively within a matrix or dual-reporting structure.

• Excellent organisational, analytical, and problem-solving skills, with the ability to deliver accurate results under pressure.

• A practical and commercially aware approach to compliance, with the ability to translate regulatory requirements into proportionate and effective controls.

• Sound judgement and the ability to communicate clear options, risks, and recommended mitigations to stakeholders.

• A proactive mindset and commitment to continuous improvement and innovation.

• A qualification in law, compliance, risk, finance, or a related discipline.

• Experience maintaining regulatory obligations, compliance registers, or related records.

• ACAMS certification or a similar recognised AML/CTF qualification.

• Experience in fintech, alternative payment methods, prepaid products, or digital payments.