Corporate Onboarding Specialist (Remote - Work from Anywhere) Gibraltar (Remote)

Work from anywhere, impact everywhere. Diversity is at the heart of who we are at Xapo Bank. We’re a fully distributed team of over 140 Xapiens that work remotely from 40+ countries around the world. Our beginning: A world that enjoys economic freedom and wealth protection, no matter where you live or who is running your country. To achieve that, we search the world for the best people for the job. We work hard, think globally, and inspire each other to learn and grow. We are committed to changing the way things are done. Risk is inherent in all of our business activities and managing risk well is the responsibility of every Xapien. Sound risk management enables us to serve our customers and deliver value for our shareholders, and helps make Xapo a great place to work. Although we are headquartered in Gibraltar, this is a full time, 100% remote position.

Position overview: We are seeking an experienced Corporate Onboarding Specialist to build and execute anti-financial crime strategies for our corporate clients. The ideal candidate will be responsible for developing relevant processes and conducting in-depth reviews of business customers throughout their lifecycle. You will play a key role in ensuring that our compliance processes meet all AML regulations and internal policies. You’ll be part of the Anti-Financial Crime (AFC) team, working alongside other analysts focused on onboarding, fraud, AML, PEP & Sanctions, and transaction monitoring. If you’re passionate about Bitcoin and financial crime prevention, this is a great opportunity to build your career in a growing and mission-driven company.

Responsibilities:

• Design, build and refine KYB workflows, policies, training and documentation.
• Conduct KYB onboarding, risk assessments and periodic reviews of business customers, ensuring compliance with AML/CFT regulations and internal standards.
• Review corporate documentation and analyse business structures, ownership, source of funds/wealth, and nature of business operations to verify identities and assess risk.
• Work with Product, Engineering and Data teams to improve the onboarding and monitoring processes.
• Identify and investigate red flags during onboarding and ongoing transaction monitoring.
• Review screening alerts (Sanctions, PEPs, Adverse Media) for businesses and associated individuals.
• Maintain detailed case records, ensuring decisions are well-documented and auditable.
• Escalate complex or high-risk cases to senior AFC members for further assessment.
• Draft and file internal Suspicious Activity Reports (iSARs) and support regulatory filings where required.
• Work collaboratively within a global, cross-functional team, ensuring high-quality output and consistency in decisions.

Skills needed:

• Bachelor’s degree in finance, law, business, economics, accounting, criminology, or a related field.
• 3+ years of experience in KYB, AML, or Compliance, preferably in fintech, crypto, or banking environments.
• Proven understanding of corporate structures, UBO verification, business risk assessment and jurisdictional risks.
• Familiarity with AML regulations and financial crime typologies related to business accounts.
• Hands-on experience with transaction monitoring systems and IDV tools.
• Excellent attention to detail, analytical skills, and a methodical approach to complex casework.
• Experience developing training materials, frameworks, and working with cross-functional teams across various time zones.
• Ability to manage high volumes of work while maintaining quality and meeting deadlines.
• Strong written and verbal communication skills.
• Self-driven, curious, and adaptable to fast-paced environments.
• Past experience of working within Fintech, Banking or Cryptocurrency industries is required.
• ACAMS, ACFCS, or similar certifications are a plus.

Other requirements:

• A dedicated workspace.
• A reliable internet connection with the fastest speed possible in your area.
• Alignment with Our Values and the Xapo Values-Driven Leadership principles.

Why work for Xapo?

• IMPACT GLOBALLY, WORK REMOTELY. Shape the Future: Improve lives through cutting-edge technology, work 100% remotely from anywhere in the world.
• Great work-life balance: Build amazing things with a balance of autonomy and collaborative teamwork. Set your own work schedule and make use of a flexible PTO plan when you need to recharge.
• Expect Excellence: Collaborate, learn, and grow with a high-performance team. Learn how you learn best - from books to conferences, you’ll get a yearly budget for your individual learning and development goals.

At Xapo, we prioritize consumer protection and adhere to regulatory requirements by ensuring that all Xapiens are accountable for upholding principles of fair treatment, transparency, and ethical conduct in their interactions with customers and stakeholders.

Xapo Device Policy: Consultants joining Xapo Bank must comply with the Xapo Device Policy, which governs the use of corporate-approved laptops under Corporate-Owned, Personally Purchased Device (reimbursed up to $1,500) or Corporate-Owned, Personally Enabled Device (personal device with enforced security controls). All devices must meet security requirements, enroll in Xapo’s Mobile Device Management (MDM), and adhere to compliance rules. COPPD devices remain Xapo property with buyback options upon exit. COPED users agree to data control measures, including mandatory corporate data wipes. Compliance with the Xapo Device Policy is mandatory for all consultants, onboarding will not proceed without adherence to the policy.