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 credit cards in 11 currencies across more than 30 countries, helping companies streamline and simplify payments. Learn more at http://www.getpliant.com/www.getpliant.com http://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 European business and regulatory requirements. You are responsible for ensuring that KYB, KYC, and AML reviews involving European exposure meet applicable standards and are handled with strong judgment and consistency. You act as the first-line subject-matter expert for European compliance topics, supporting the development of onboarding practices aligned with EU and broader European regulatory expectations. In doing so, you build the foundation for scalable and robust 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 Team Lead of Compliance Operations and collaborate cross-functionally with Credit Risk, Product, Legal and Compliance teams. This role offers a clear path to senior or lead positions as Pliant's compliance function grows. WHAT YOU’LL DO Onboarding & Risk Assessment - Own complex onboarding cases end-to-end — from initial document review through to final decision — for customers across European markets, including identification and verification of legal representatives and beneficial owners using commercial registers and corporate structure documentation. - Conduct thorough risk assessments applying internal policies and regulatory expectations, making well-reasoned, documented decisions on customer acceptance, escalation, or rejection. - Assess complex ownership structures, including multi-layered holding companies, determining ultimate beneficial ownership with accuracy and confidence. Quality & Oversight - Review cases prepared by colleagues, upholding the four-eyes principle and providing constructive feedback to maintain high standards across the team. - Maintain clear, structured, and audit-ready documentation across all onboarding and compliance activities, ensuring full traceability of decisions. - Serve as a go-to reviewer for edge cases and escalations, helping set the bar for decision-making quality across the team. - Prepare and ensure compliance of customer data sets as part of the account opening process. Process & Product Improvement - Proactively identify inefficiencies in compliance workflows and drive concrete, scalable improvements in collaboration with relevant teams. - Contribute to the development and refinement of internal policies, procedures, and risk frameworks as the business scales into new markets and segments. - Support the rollout of new compliance tooling, including testing, feedback, and adoption within the team. WHAT YOU’LL BRING - 3+ years of experience in operational compliance (first line), working with SME or corporate clients within a bank, fintech,