蚂蚁金服Ant International-Customer Experience Operation Specialist-Malaysia

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

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.

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.

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.