蚂蚁金服Ant International-Senior KYC Operations Specialist (EDD)-Anext Bank
任职要求
• 7 years and above of KYC/AML experience working with Corporate Banking clients, with client facing experience • AML certification is an added advantage • Proficiency in the Singapore AML/CFT regulations and guidelines • Good communication skills, proficiency in English and Chinese (verbal and written means) • Ability to organise and prioritize workload, deliver all commitments on time under minimal supervision
工作职责
Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) • Conduct end-to-end CDD, including identification, verification, corroboration and screening; perform EDD on higher-risk customers • Communicate with customers to gather required documentation and information for CDD and EDD, 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 compliant to regulatory requirements • Analyse customer profiles and transaction activities to identify suspicious patterns or activities that are not consistent with the customers’ profile; escalate red flags promptly as per internal procedures • Corroborate customer Source of Wealth (SOW) and Source of Funds (SOF) to ensure legitimacy and alignment with the customer’s profile, supported by appropriate documentation and reliable external sources • Ensure completion of customer onboarding within stipulated turnaround time and in line with Bank’s policy and procedures Others • Participate in system and process enhancement projects, User Acceptance Testing • Active stakeholder management in day-to-day work, and resolution of issues with Compliance, Operations, AML teams etc • 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 • Drive process changes and improvement initiatives
Unlike traditional bank AML environment, you would have the chance to work and experience how professional AML works in Ant Bank Hong Kong, the second largest technology based digital bank in Hong Kong and also to join the enegetic AML professional team under the market leading global financial group. Job Responsibilities: 1) Conduct Transactional Monitoring, Know-Your-Customer (KYC), Enhance Due Diligence (EDD) and/or name screening for onboarding, periodic and trigger review on bank customers / account opening applicants within the designated Service Level Agreements before escalatoin to MLRO and/or team lead, if needed. 2) Identify and conduct investigation on suspicious transactions which might relate to sanctioned individuals, money laundering or terrorist financing and prepare the investigation and/or due diligence review report on the risk associated during the end to end investigation / due diligence review process of the Bank. 3) Maintain proper AML/CFT KYC documentations and tracking logs for review and audit trial purpose. 4) Prepare documents for internal / external examination and audit review. 5) Assist the Bank's senior management, MLRO, and the team lead in their oversight and compliance with the Group and the Bank's internal policies and external regulations of Hong Kong. 6) Closely work with relevant stakeholders of the Group and the Bank on ad-hoc projects, such as without limitation, ongoing bank side AML/CFT operations control tasks, as assigned by the Bank MLRO and the team lead. 7) Provide staff training on AML/CFT related topics, policies and procedures.
Key Responsibilities: -Lead and mentor a team of FCC specialists, including setting performance goals, conducting reviews, and resolving complex investigations. -Oversee daily transaction monitoring, SAR filings, and KYC/EDD processes to ensure compliance with global AML/CTF regulations. -Design strategic frameworks for risk detection, aligning with business growth and regulatory updates. -Drive automation initiatives such as AI model deployment and rules engine optimization to reduce false positives. -Act as primary point of contact for regulatory audits, internal investigations, and crisis management taskforces. -Drive workforce planning initiatives to optimize team capacity, forecast workload trends, and allocate resources efficiently during peak cycles or regulatory audits. -Report risk trends and mitigation plans to senior leadership.
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’re on a mission to make financial services accessible and effortless for SMEs. As one of Singapore’s latest digital wholesale banks fully regulated by MAS, we’re committed to continuous innovation to bring about simpler, safer and more rewarding financial services. #bringingaboutwhatsnext We are currently seeking a high calibre professional to join our team as a Senior KYC Ops 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 successful candidate will lead the KYC Operations team in Singapore, be the accountable service owner for all KYC-related activities, including onboarding, customer outreach, periodic and event trigger review and customer exits. Reporting directly into the Head of Customer Service & KYC Operations, the successful candidate will be responsible for executing the strategic direction of KYC Operations function in supporting the bank’s expanding business. On a day-to-day level, the successful candidate will work closely with AML, Risk, Legal, Business and Tech teams to ensure consistency of service and ensure best practice is applied. Core Responsibilities and Accountability Support the Bank’s expansion strategy end-to-end by collaborating with key stakeholders across the organization Build the systems, processes and people in KYC Operations, defining and executing a runway of activities to achieve the target operating model Drive continuous improvement initiatives across end-to-end customer lifecycle management activities to deliver a high and consistent standard of service Provide KYC-related activities in line with agreed OKRs, SLAs and KPIs – management and oversight of the local and offshore teams completing the work, providing guidance and training where applicable Provide guidance to internal stakeholders regarding regulations, requirements and processes for new customer account and/or new product setup in existing or new markets, including KYC, regulatory classifications e.g. FATCA/CRS, etc Drive the talent agenda by hiring and developing a highly-proficient team of customer-facing KYC specialists Leadership & Teamwork Motivate, lead and develop the KYC Operations team, elevating the standards of the team in supporting the bank’s business Act as a thought leader in the long-term strategy and future expansion of the KYC Operations function in relation to the bank’s business strategy and industry development Advocate focus in customer experience at the heart of the team’s operations Champion agile ways of working across the team and the bank 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 and Operations teams