蚂蚁金服蚂蚁国际-AML Data Analyst & Risk Detection-国际风险管理

Responsibilities： 1. In depth understanding of different business models in Ant International. 2. Perform risk analysis and due diligence of merchants for risk types include but are not limited to fraud, account takeover, money laundering, sales bans and restrictions, etc. 3. Reply risk enquires from different banking partners with proper information. 4. Provide knowledge feedback to risk policies/strategies team to improve operational efficiency and customer experience.

Our Risk team plays a critical role in ensuring the compliance and integrity of Ant Group's financial services operations in the UK and EMEA region. We specialize in conducting thorough high risk customer KYC onboarding, Sanctions, PEP (Politically Exposed Persons), and Adverse Media reviews, as well as handling Transaction Monitoring, fraud investigations and Suspicious Activity Information (SAI) filing. As a Financial Crime Analyst, you will be an integral part of our team dedicated to upholding the highest standards of regulatory compliance. What you’ll do: Conduct Comprehensive AML Screening Reviews: • Perform screening reviews, including Sanctions, PEP, and Adverse Media concerns. Sanctions Screening: • Conduct real-time and periodic reviews of customer, vendor, and transactional data to identify any individuals, entities, or countries subject to sanctions. • Maintain a comprehensive understanding of global sanctions lists and regulatory requirements. • Escalate and report potential sanctions violations to the appropriate authorities and internal stakeholders. PEP Screening: • Perform due diligence checks to determine if customers or business partners qualify as Politically Exposed Persons (PEP). • Maintain an up-to-date database of PEP profiles and their associated risk levels. • Collaborate with other departments to assess the potential risks and make recommendations for risk mitigation. Adverse Media Screening: • Monitor news sources, databases, and other relevant information channels to identify any adverse media concerning customers or entities. • Evaluate the relevance and impact of adverse media reports on compliance risk. • Document findings and communicate potential concerns to compliance management. Transaction Monitoring: • Monitor and analyse customer transactions to detect and investigate unusual or suspicious activities in accordance with AML regulations. SAI Filing: • Perform in-depth analysis of customer profiles, transactions, and associated data to identify potential AML risks. • Prepare and submit Suspicious Activity Information (SAI) reports to regulatory authorities when necessary, ensuring accuracy and timeliness. Fraud Detection and Prevention: • Implement and manage fraud detection strategies to identify and mitigate fraudulent activities. • Analyse transaction patterns to detect potential fraud and take corrective actions. • Collaborate with fraud investigation teams to support ongoing investigations and provide necessary AML insights. Customer Onboarding: • Oversee the onboarding process to ensure all new customers comply with AML and KYC (Know Your Customer) requirements. • Conduct thorough Enhanced Due Diligence during customer onboarding to assess potential risks. • Work with the Onboarding team to streamline processes and ensure efficient and compliant customer onboarding experiences. • Communicate with clients via our phone system, other communication systems as part of the clients onboarding.

Ant International serves customers around the world, and we are dedicated to providing safe and reliable risk control capabilities behind payments. The core technologies include rule engines, model engines, intelligent algorithm models, etc., involving very high concurrent real-time risk calculations and massive big data analysis and processing. It adopts a multi-center deployment architecture around the world. You are welcome to build it together. Here you may have the opportunity to learn more about and participate in the design and development of the following aspects: 1. Ultimate computing optimization at the millisecond level. 2. Behavior analysis and risk mining under massive data. 3. Global multi-center system architecture planning and high-availability solution design. You will also have the opportunity to explore the architectural design and implementation of cutting-edge technologies such as privacy computing and large models in AML systems. Welcome you to meet the challenge. Responsibilities 1. Build data pipelines that clean, transform, and aggregate data from disparate sources 2. Work closely with our business analysis team to provide unique insights into our data 3. Build robust systems for data quality assurance and validation at scale 4. Partner with data analysts on refining the data model used for reporting and analytical purposes

Execute QA strategy • Define quality standards, create and maintain quality assurance programs in line with Compliance and AML action plans and internal policies • Drive consistent approach to case completions and quality across local and offshore teams • Test the quality of approved KYC records against the Quality Assurance standards, reviewing the reliability and integrity of data collected and challenging the appropriateness of assumptions made where appropriate, and record results in the case management system • Preparation of QA scorecards in accordance with QA scoring matrix at team and individual levels, and monthly QA report for management reporting • Identify key issues, risks and trends relating to output quality and perform root cause analysis; make recommendations for addressing identified deficiencies or improvement to operational processes • Presents results to key stakeholders, tracks and monitors rectifications to the critical defects identified • Anticipate challenges and initiate solutions in the QA testing process • Review and endorse coaching documentation completed by the production team leads KYC Compliance Testing • Conduct tests and reviews on the digital KYC journeys and processes to assess compliance with internal policies and external regulations • Gather, analyse and document test data to identify gaps or violations • Present to management on the risks and vulnerabilities identified • Work with relevant stakeholders to implement solutions • Perform re-test after completion of corrective actions • Ensure relevant training materials and operating manuals are updated Others • Provide ongoing SME guidance to support the production teams • Deliver policy trainings and refreshers, as required • Provide support for urgent requests, assist the team in completing ad-hoc projects • Stay updated on industry best practices and emerging technologies in quality assurance and customer service to recommend implementable innovations Leadership & Teamwork • Guide, mentor and manage the QA team, fostering skill development and ensuring performance aligns with quality goals • Ability to provide technical leadership, at the same time 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