Senior KYB Specialist - Business Account

About us Traditional banking has never really given you control over your financial life. Satispay exists to change that: to empower people through finance. That means making financial services easy and accessible for over 6.5M users. We started with payments, then benefits, investing, cards... and we’re not done. Not even close. We follow the same logic every time: find a real problem, solve it properly, then look for the next one. The destination? To build the most loved financial platform in the world. If you own outcomes rather than tasks, stay close to what users need, and refuse to wait for someone else to fix what's broken — you'll find people here who work exactly in the same way. And together, you'll build something worth being proud of. What you'll be doing As our Senior KYB Specialist — Business Account in Barcelona, you'll bring strong specialist expertise in corporate KYB and business accounts to shape our risk-based onboarding and ongoing due diligence processes. Reporting to the KYB Manager, you will serve as a senior point of reference for Business Account KYB—applying sound judgment to complex cases and connecting KYB needs directly with the teams building the product. Here's what that looks like in practice: - Contribute to the KYB framework - Shape risk-based onboarding and ongoing due diligence processes for business customers, accounting for the specific characteristics and risks of the products they use. - Support customer and entity assessments - Apply specialist judgment to complex ownership structures, legal representatives, and authorised persons to help the team evaluate relationships, authority, and relevant risks. - Contribute to lifecycle reviews - Define how customer information and risk assessments are reviewed and updated over time, including when existing customers adopt additional products. - Support complex KYB decisions - Provide specialist judgment on unusual, higher-risk, or unclear cases, guiding decisions and escalations within our agreed framework. - Turn regulation and risk requirements into clear ways of working - Partner with relevant teams to translate regulatory expectations and risk appetite into practical checks, evidence requirements, decision criteria, review rules, and escalation points. - Develop procedures and team capability - Create practical procedures, playbooks, and guidance that enable the team to work consistently and independently, while sharing case learnings, delivering training, and offering specialist support to colleagues. - Work with Product and control teams - Translate KYB requirements into workflows, tools, and procedures, contributing to testing and operational readiness while identifying opportunities for standardisation, automation, or necessary manual review. - Support ongoing improvement - Analyse case trends, operational data, and Quality team findings to spot recurring issues and improve controls, procedures, guidance, and customer journeys. - Work across the organisation - Collaborate with Product, Compliance, FinCrime, Legal, Risk, and Operations to build solutions that balance risk, customer experience, and operational scalability. Who we're looking for This role needs someone who brings deep corporate KYB ownership, thrives on solving complex regulatory puzzles, and knows how to turn specialist judgment into scalable, practical workflows. - Experience - At least 5 years in corporate KYB, business banking, fintech, payments, or another regulated financial-services environment. - Entity & ownership assessment - Hands-on experience evaluating legal entities and complex ownership structures, including UBOs, legal representatives, authorised persons, and non-standard corporate arrangements. - Product-specific due diligence - Proven background in KYB or customer due diligence for business accounts, payment accounts, or similar regulated financial products, understanding how product features impact customer risk. - Account lifecycle expertise - Solid grasp of the business payment or banking account lifecycle beyond onboarding—covering activation, maintenance, ownership or signatory changes, ongoing reviews, restrictions, and closure. - Regulatory translation - Experience interpreting regulatory or compliance requirements and converting them into practical controls, processes, and procedures. - Risk judgment - Ability to apply risk appetite to real-world cases and make sound decisions in complex or ambiguous situations. - Process design - Track record of designing or improving KYB processes, controls, decision frameworks, and operational guidance. - Product collaboration - Experience partnering with Product teams on requirements, workflows, tools, or UAT. - Data-driven mindset - Confidence using operational data, quality findings, and case trends to back up recommendations and drive improvements. - Knowledge sharing - Ability to distil specialist expertise into clear procedures, training, and practical guidance for colleagues. - Communication & stakeholder management - Pragmatic, clear communicator skilled at balancing risk, customer experience, and operational scalability. - Language - Full professional proficiency in English. Don't worry if you don't tick every box. We believe in the power of different viewpoints and strengths. Your unique perspective is important as we build something special: if you're passionate and can make a difference, we truly encourage you to apply. CareAbout: how we support your impact We move fast, and evolution never stops. It’s a fun ride, but it can be challenging. To make sure our people truly thrive, we’re committed to making their lives easier, both in the office and out in the world. That’s why we created CareAbout: - ❤️ Health: private insurance for you and your family, psychological support with Serenis, mental health workshops. - 💰 Financial resources: Stock Option Plan, meal vouchers, relocation support if you’re moving countries. - ⚙️ Growth and development: professional development programs, internal mobility, language courses with Preply. - 🌱 Flexibility: unlimited PTO, hybrid working policy*, flexible working hours. - 👨‍👩‍👧 Family: enhanced parental leave, additional leave for child sickness. *We embrace three days per week in-office (Tuesday and Thursday + 1 of your choice), with the option to request extra remote time. Equal opportunity employer At Satispay, we're proud to be an equal opportunity employer. We celebrate diversity and inclusion, welcoming individuals of all backgrounds. This opportunity is open to everyone, regardless - for instance - of race, colour, religion, sex, gender identity, sexual orientation, and national origin. Join us in a workplace where everyone belongs! Learn more about us Curious what it's actually like here? Our values and pillars shape how we work every day: explore them here https://www.satispay.com/en-it/work-at-satispay/. #LI-HYBRID #LI-VR1 By submitting this application, I acknowledge that I have read and understood the content of the Privacy Policy https://www.satispay.com/en-it/legal-hub/privacy-policy/candidates/