Specialist, Customer & Enhanced Due Diligence

Role Purpose:
The role is responsible for performing Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and Ongoing Due Diligence (ODD) to ensure customers are properly identified, risk-assessed, and continuously monitored in accordance with AML/CFT regulatory requirements and internal policies.
Key Responsibilities:
Perform onboarding due diligence for individual and corporate customers, including KYC verification, sanctions/PEP/adverse media screening, and customer risk profiling, while identifying and escalating any inconsistencies or red flags during onboarding
Conduct EDD for high-risk customers such as PEPs, customers from high-risk jurisdictions, and complex ownership structures, including analysis of Source of Funds (SOF), Source of Wealth (SOW), adverse media review, and providing clear risk assessment and onboarding recommendations
Perform ODD through periodic and trigger-based KYC reviews (e.g., unusual transactions, profile changes, system alerts), ensuring customer information remains accurate and risk ratings are regularly reassessed based on behavioral and transactional changes
Apply a risk-based approach in evaluating customer profiles and activities, escalating high-risk or suspicious cases to Compliance, and supporting decisions on account restriction, monitoring, or closure where necessary
Maintain accurate, complete, and audit-ready case documentation, ensuring compliance with AML/CFT policies, internal SOPs, and regulatory requirements, and supporting internal and external audit requests when required
Collaborate closely with onboarding, fraud, transaction monitoring, and compliance teams, provide insights on emerging risk trends and typologies, and support continuous process improvement and operational efficiency initiatives
Key Requirements:
Degree in Finance, Business, Law, or related field
2–5 years’ experience in AML, CDD, EDD, or financial crime roles (senior level requires more experience)
Banking, fintech, or regulatory background preferred
Strong understanding of AML/CFT regulations
Knowledge of KYC/CDD/EDD frameworks and risk-based approach
Analytical and investigative skills
Strong attention to detail and documentation skills.
Good written and verbal communication skills.
Ability to work in a fast-paced, high-volume environment.
JR00000663