蚂蚁金服Ant International-Transaction Monitoring Specialist-Malaysia
任职要求
• Diploma or degree holder with a minimum 4-6 years of experience in Enhanced Due Diligence (EDD) reviews, investigations and/or Anti-Money Laundering (AML) and Countering Terrorism Financing (CFT) compliance within a digital, small and medium-sized enterprise (SME) or corporate banking environment. Additional AML certifications will be advantageous. • Strong understanding of Singapore’s AML/CFT regulations and guidelines or equivalent regulatory frameworks. • Good communication skills, proficiency in English and Chinese (verbal and written means) • Ability to prioritise tasks, manage workload efficiently and support team members in meeting deadlines. • Self-starter with the ability to working independently with minimal supervision, while also being a collaborative team player who fosters strong rapport with internal stakeholders and customers. • Ability to work effectively under tight deadlines and adapt to a fast-paced and dynamic environment.
工作职责
• Monitor and analyse banking transactions and customer activities with bank systems. Identify suspicious patterns, unusual behaviour, and high-risk activities that may indicate money laundering, fraud, or other illicit activities. Review and document findings, including detailed analysis with supporting evidence. • Conduct investigations on identified suspicious transactions or activities. • Preparation/Filing of STRs to STRO, ensuring compliance with regulatory reporting obligations and timelines. • Handling of day-to-day TM alerts/matters and proactively monitor aging status of assigned TM alerts and reporting to Singapore Team. • Prepare insightful Management Information System (MIS) reports for internal and/or regulatory related reporting. • Provide guidance to junior members of the TM Team. • Provide assistance to TM Lead, as required. • Proactively identify opportunities to enhance and optimise the design of EDD rules, processes and frameworks to align with evolving business needs and regulatory expectations. • Stay abreast of the latest regulatory developments in AML/CFT and ensure our processes align with industry-leading practices and regulatory guidelines. • Proactively prepare for and navigate regulatory audits to ensure our TM framework and processes remains compliant. • Foster a collaborative approach within AML Team and other departments within the Bank. • Support AML Team in the execution of ad-hoc key AML/ CFT matters where required.
1.Understand business and internal product and process, to ensure the AML risk operation excellent. 2.Responsible for Onboarding EDD/Ongoing EDD/Transaction Monitoring/Screening on certain business line. 3.Work closely with the team to analysis the risk characteristics, customer experience pain points in a systematic way and establish the internal library of Customer Risk Profile. Provide knowledge feedback to AML MLRO/QDA team to improve operational efficiency and customer experience. 4.Monitor the operation system efficiency, and prepare intelligence reports / circulars for management's review. 5.Coordinate or collaborate with business units to solve the AML risk case, ensure the business comply with local requirement.
This role is required to operate with a strong commercial focus ensuring alignment to the Bank’s business objectives while adhering to the Bank’s control principles at all times. The Senior KYC Specialist is required to utilise knowledge and expertise to manage and execute KYC-related activities, including onboarding, customer outreach, periodic and event trigger reviews, and provide SME support to the rest of the production team to ensure cases are completed in line with regulatory standard and the Bank’s KYC procedures. The successful candidate will join the KYC Operations team in Malaysia, reporting directly into the Operations Manager in Malaysia and KYC Operations lead in Singapore. Documentation Review • Reach out to customers to obtain KYC information and documents, address any queries or clarifications raised by customers while maintaining a customer-oriented service attitude • Review and ensure that all information and documents collected are good to satisfy regulatory requirements Screening • Perform screening of customer names against lists, discount and mitigate screening hits for prospective and existing customers • Conduct outreach to customers to obtain relevant information to address screening alerts Enhanced Due Diligence/Periodic Reviews/Event Driven Reviews • Perform background checks and conduct interviews with customers • Review and update KYC profiles for existing customers in accordance with the review schedule • Conduct transaction reviews to identify any abnormalities that require further investigations • Investigate and conduct trigger event reviews on existing customers, assess customer’s business and perform AML risk assessment Transaction Monitoring • Reach out to customers to obtain relevant information to address transaction monitoring alerts • Evaluate the completeness of customer’s response and clarify where required • Others • Provide ongoing SME guidance to support the production teams • Update relevant MI timely and accurately to ensure that KPI can be reported quickly and efficiently • Provide support for urgent requests, assist the team in completing ad-hoc projects • Preparation of data to track Book of Work completion and MI reporting Leadership & Teamwork • Advocate focus in customer experience at the heart of the team’s operations • Champion agile ways of working across the team • Ability to identify and break down complex problems, and work with various stakeholders in implementing optimal solutions with strategic intent • Build and maintain strong relationships with key stakeholders including AML, Risk, Business, Tech, Customer Service and Operations teams
We are currently seeking a high calibre professional to join our team in Malaysia as KYC Operations (Specialist). Job Specification This role is required to operate with a strong commercial focus ensuring alignment to the Bank’s business objectives while adhering to the Bank’s control principles at all times. The KYC Specialist is required to utilise knowledge and expertise to manage and execute KYC-related activities, including onboarding, customer outreach, periodic and event trigger reviews, and provide SME support to the rest of the production team to ensure cases are completed in line with regulatory standard and the Bank’s KYC procedures. The successful candidate will join the KYC Operations team in Malaysia, reporting directly into the Operations Manager in Malaysia and KYC Operations lead in Singapore. Core Responsibilities and Accountability Documentation Review • Reach out to customers to obtain KYC information and documents, address any queries or clarifications raised by customers while maintaining a customer-oriented service attitude • Review and ensure that all information and documents collected are good to satisfy regulatory requirements Screening • Perform screening of customer names against lists, discount and mitigate screening hits for prospective and existing customers • Conduct outreach to customers to obtain relevant information to address screening alerts Enhanced Due Diligence/Periodic Reviews/Event Driven Reviews • Perform background checks and conduct interviews with customers • Review and update KYC profiles for existing customers in accordance with the review schedule • Conduct transaction reviews to identify any abnormalities that require further investigations • Investigate and conduct trigger event reviews on existing customers, assess customer’s business and perform AML risk assessment Transaction Monitoring • Reach out to customers to obtain relevant information to address transaction monitoring alerts • Evaluate the completeness of customer’s response and clarify where required Others • Provide support for urgent requests, assist the team in completing ad-hoc projects • Preparation of data to track Book of Work completion and MI reporting
With Ant's globalization strategy to provide excellent online payment service to SME clients, the candidate should have sense of global business development and strong sensitivity on online Payment and Finance Risk management operation areas. You would have the chance to design the end-to-end Risk Management operation solution about SME clients’ Onboarding and the day to day transition risk monitoring. To better achieve the risk management strategy, you would have the chance to work with the expertise globally to demonstrate how to better mitigate risk during onboarding review and transaction monitoring, and balance customer experience and risk control. At the same time, we would expect you to leading local risk operation systems establishment to facilitate the business growth in a health way. Responsibilities: 1.Understand business and internal product and process,to ensure the Risk operation excellent. 2.Design fraud and AML risk cases investigation method and prepare related for training to Risk team as well as business team. 3.Conduct Customer Due Diligence background investigations in adherence with fraud risk policy and compliance. 4.Work closely with the team to analysis the risk characteristics, customer experience pain points in a systematic way and establish the internal library of Customer Risk Profile. Provide knowledge feedback to risk policies/strategies team to improve operational efficiency and customer experience. 5.Monitor the operation system efficiency, and prepare intelligence reports / circulars for management's review. 6.Coordinate or collaborate with business units to solve the fraud and AML risk case, ensure the business comply with local requirement. 7.Support other ongoing customer risk management solution, including but not limit to, periodically account review, Enhance Due Diligence, etc.