Compliance Analyst

Customer Onboarding & KYC

• Handle escalations from Business/Operations on KYC - customer identification, verification, screening, and ongoing due diligence for individual and corporate customers.
• Provide assessments on PEPs and higher-risk customers, including source of wealth and source of funds, as part of Enhanced Due Diligence (EDD) reviews.
• Prepare recommendations to the Board for onboarding approval, continuation, or exit decisions.

Transaction Monitoring (TM)

• Handle escalations from Business/Operations on TM pre-alerts arising from unusual patterns of transactions.
• Conduct reviews of TM post-alerts covering e-wallet, card, and remittance transactions. Assess transactional activity against customer profiles and expected behaviour.
• Escalate unusual, suspicious, or higher-risk activity to the Head of Compliance for further action, where appropriate.
• Assist in the development, calibration, enhancement, and testing of TM parameters, thresholds, and rules to improve the effectiveness of the monitoring system and reduce false positives.
• Analyse emerging typologies, customer behaviour, regulatory expectations, and investigation outcomes to identify opportunities for strengthening TM controls.

Name Screening (NS) & Sanctions Reviews

• Review NS alerts escalated by Operations on PEP, adverse media, sanctions, etc. Investigate potential matches and prepare escalation recommendations for unresolved or true-match cases.

Investigations & Reporting

• Conduct investigations into unusual customer activity, screening matches, fraud indicators, and transaction monitoring alerts. Gather supporting information and document investigation findings and rationale.
• Prepare and submit Suspicious Transaction Reports (STRs) to the Suspicious Transaction Reporting Office (STRO), where appropriate. Maintain records relating to investigations and STR filings.

Compliance Monitoring & Record Keeping

• Conduct quality assurance reviews of AML/CFT work performed by First Line Operations.
• Support regulatory reporting and audits.
• Assist with updates to compliance procedures and staff training materials.

Job Requirements

Professional Requirements:

• Bachelors degree in Business, Finance, Accounting, Law, Compliance, Risk Management, or a related discipline.
• Professional certifications such as ACAMS or ICA are an advantage.
• Minimum 2-5 years of relevant experience in AML/CFT, Compliance, Risk Management, Banking, FinTech, Payment Services, E-Wallet, Card, or Remittance businesses.
• Knowledge of AML/CFT requirements, including KYC/CDD, sanctions screening, transaction monitoring, investigations, and suspicious transaction reporting.
• Meticulous with strong analytical and problem-solving skills, and attention to detail.
• Good communication and interpersonal skills, with the ability to work effectively with colleagues and management
• Strong organizational and time management skills, with the ability to prioritize tasks and meet deadlines
• Ability to work independently while also demonstrating strong teamwork
• Proficient in English, with fluency in a local language preferredRole & responsibilities

Preferred candidate profile