蚂蚁金服蚂蚁国际-KYC Operation-Antom

Responsible for global merchant channel onboarding / registration operations supporting the lines of business: Antom (a leading provider of payment processing services to merchants worldwide via one-stop digital payment solutions) & Alipay+ (a suite of cross-border digital payment and digitalization technology solutions connecting global brands with mobile-savvy consumers worldwide) What you’ll do: • Work closely with stakeholders of Risk Management, Business Development, Account Manager, FI (Financial Institution) business, supporting the merchants’ registration and onboarding operations which is a very key business process before business go-live. Be the first point of contact for every merchant onboarding matter and closely work with various stakeholder teams to resolve any questions or issues from the merchant & business. • Be an internal product advocate, track product processes and contribute to the platform feedback and issues you get back from the merchants and lead the optimization on the operational product and process. • Manage all your daily operational work/projects productively within the agreed SLAs, adhere to the KYB/KYC requirements/guidelines and keep updating the best practices, leading the product and process optimization, driving better and more efficient onboarding experience. • Responsible for cross-functional collaboration with payment channel teams and risk control teams to ensure real-time onboarding requirement synchronization. Key duties include maintaining version-controlled SOP (standard operational process) documentation internally, conducting quality assurance including bi-weekly quality check/mitigation plan & daily case review. • Establish and maintain effective relationships within the all the stakeholders. • Communicate with payment channels via phone, email - where needed - to facilitate to provide a great onboarding experience from operational perspective.

1. CDD/KYC Operations & Compliance - Execute end-to end Customer Due Diligence (CDD) and Know Your Customer (KYC) processes for merchants and clients, ensuring adherence to global AML/CFT regulations (e.g., FATF, local regulatory frameworks). - Conduct customer profile assessments, document verification (e.g., entity certificates, UBO identification), and ongoing periodic review etc. - Maintain audit-ready operational records and process document. 2. Operational Efficiency & Automation - Partner with Risk and LCAP Strategy teams to refine KYC/CDD standard, clear bottlenecks and optimize approval rates through data-driven adjustments. - Collaborate with Product/Tech to implement automation tools (e.g., OCR for document processing, RPA/APA for workflow triggers), reducing manual effort - Train frontline staff on CDD/KYC requirements and escalation protocols. - Implementation of Effectiveness Supervision and Inspection: - Identify, evaluate, and monitor various risks in daily business operations. - Conduct special reviews and inspections based on risk. - Timely feedback to management and business departments. Provide data-supported decision-making suggestions. - Offer effective improvement opinions and suggestions to prevent and reduce operational risks in key business and management areas.

CDD/KYC Execution & Governance ● Lead End-to-End CDD/KYC Processes: Oversee the comprehensive Customer Due Diligence (CDD) and Know Your Customer (KYC) processes for merchants and clients, ensuring strict adherence to Financial Action Task Force (FATF) standards and local Anti-Money Laundering (AML) and Counter-Terrorist Financing (CFT) regulations. ● Dynamic Customer Risk Profiling: Conduct thorough risk assessments, including detailed entity structure analysis, Ultimate Beneficial Owner verification, and validation of key documents such as certificates of incorporation and proof of ownership. ● Compliance Documentation and Remediation: Proactively identify and address gaps in compliance documentation, driving remediation actions to maintain audit-ready records. Process Innovation & Cross-functional Collaboration ● Collaborative Workflow Redesign: Partner with cross-functional teams, including Risk and Product, to redesign CDD/KYC workflows using data-driven insights, thereby resolving bottlenecks and enhancing approval rates. ● Process Automation Initiatives: Champion the implementation of process automation to reduce manual workload and improve operational efficiency. ● Training and Development: Design and deliver targeted training programs for frontline teams on emerging regulatory requirements and risk escalation protocols. Proactive Risk Intelligence & Strategic Advisory ● Risk Monitoring and Analysis: Continuously monitor daily operations to detect emerging risk patterns, initiating deep-dive reviews for high-risk segments. ● Predictive Analytics and Reporting: Develop predictive dashboards to inform management decisions, providing actionable recommendations to mitigate operational vulnerabilities.

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.