蚂蚁金服Ant International-KYC Operations Manager-Malaysia
任职要求
1. Minimum 5 years of KYC/AML experience with a payment service provider, money service operator (MSO) consulting firm, or financial institution. Must have more than 3 years of team lead or manager experience. Those who have engaged in KYC/CDD for corporate client are preferred. 2. Have excellent interpersonal skills necessary to work effectively with colleagues across regions and business units. An accountable…
工作职责
1. As the leader of the KYC team, Manage KYC operations based on MAS regulated bank compliance policies and KYC regulatory requirements. 2. Support the business to conduct customer check (KYC/CDD) analysis for new business or initiative. 3. Lead the planning and establishment of KYC capabilities including CDD, PEP, Sanctions, Adverse news review and due diligence capabilities for financing business. 4. Establish and improve KYC product capabilities, including on-boarding system, periodic review system, screening system. 5. Work closely with AML Compliance Officers (AMLOs) and Risk Officers to understand the regulatory requirements, status of system capability in relevant entities, identify the gaps if any, and propose the requests for system building or enhancement to relevant teams. 6. Collaborate with middle office and technology team to raise the system requests and to convert the business requirement into product requirement. Implement changes in processes or workflows and drive optimization. 7. Support the Risk and AML operation and link up with the business in case of any escalation.
1、负责电商平台及支付机构反洗钱全链路策略设计与迭代，包括客户身份识别（KYC）、交易监测模型、风险评级体系、可疑案例调查规则等； 2、基于业务模式挖掘新型洗钱风险特征，建立差异化管控方案； 3、主导风险数据分析，通过用户画像、行为路径、资金交易网络挖掘等手段提升策略精准性，降低误报率； 4、结合监管要求和业务实际情况，推动反洗钱系统改造与合规升级； 5、搭建风控策略评估与监测体系，持续对业务风险情况和策略的有效性进行监测，针对问题制定整改方案。
1. 执行反洗钱尽责调查流程：包括客户尽职调查（CDD）、高风险客户审核以及对反洗钱可疑案件的调查等关键环节； 2. 洗钱风险全流程管理：基于案件调查分析，识别相应的风险控制措施，确保反洗钱政策的有效执行和落地； 3. 监控和优化异常交易：负责定制与优化异常交易监测标准，进行黑名单管理，评估各业务线的反洗钱工作质量并提出持续改进的建议； 4. 流程与政策优化：紧跟监管法规的最新动态，协助优化客户身份验证、名单筛查、交易监控以及风险评级等反洗钱工作流程，确保反洗钱策略和操作与监管要求保持一致； 5. 参与关键反洗钱项目：协助推进反洗钱审计、风险评估和培训项目，与产品研发部门协作，推进反洗钱及尽职调查系统的开发与优化。
1.负责支付合规系统的设计，迭代，开发、重构 2.编写代码实现产品功能，完成项目开发，撰写相关文档，参与需求分析; 3.负责核心技术问题的攻关，架构设计、系统优化，协助解决项目开发过程中的技术难题; 4.了解互联网的技术发展、评估外部技术与解决方案
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