全职 Senior KYC - AML Specialist 工作, 薪水, Xionex Federal Territory 公司招聘中 - Ricebowl

Company: Xionex

Location: Malaysia

Employment Type: Full-Time

Department: Banking Operations / Compliance

About the Role

We are looking for an experienced KYC Senior Specialist to support Know Your Customer (KYC), Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) activities for banking and financial services operations.

The role will be responsible for reviewing and assessing complex customer profiles, identifying potential financial crime risks, ensuring regulatory and internal compliance requirements are met, and providing subject matter expertise to support high-quality KYC operations.

The ideal candidate has strong practical experience in KYC/AML, excellent analytical skills, and a good understanding of corporate structures, beneficial ownership, sanctions, PEPs, and financial crime risks.

Key Responsibilities

KYC & Customer Due Diligence

* Perform detailed KYC reviews for new and existing customers in accordance with regulatory and internal requirements.

* Conduct CDD and EDD assessments for higher-risk customers and complex entities.

* Review customer identification documents, corporate documents, ownership structures, source of funds and source of wealth information.

* Identify and verify Ultimate Beneficial Owners (UBOs), directors, shareholders, and controlling parties.

* Assess customer risk profiles and determine appropriate risk ratings.

* Conduct periodic and trigger-based KYC reviews and remediation activities.

AML & Financial Crime Risk

* Conduct screening and analysis for PEPs, sanctions, adverse media, and other financial crime indicators.

* Investigate potential red flags and escalate suspicious or high-risk cases appropriately.

* Analyse complex ownership structures, jurisdictions, business activities, and transactional relationships.

* Support AML investigations and provide relevant information for escalation to Compliance or MLRO teams.

* Maintain awareness of applicable AML/KYC regulations, regulatory expectations, and industry best practices.

Quality & Operational Excellence

* Review KYC cases for completeness, accuracy, and compliance with internal procedures.

* Provide guidance on complex cases and support the resolution of KYC-related issues.

* Identify recurring operational or compliance issues and recommend improvements.

* Support KYC quality assurance, remediation, and audit activities.

* Ensure all case documentation and decisions are properly recorded and audit-ready.

* Contribute to the continuous improvement and standardisation of KYC processes.

Stakeholder & SME Support

* Act as a subject matter expert for KYC-related queries and complex cases.

* Work closely with Compliance, Operations, Risk, Relationship Management, and other relevant stakeholders.

* Provide guidance and knowledge-sharing to junior KYC analysts and specialists.

* Support the development and improvement of KYC procedures, controls, and operating standards.

Requirements

* Bachelor’s degree in Finance, Banking, Business, Accounting, Compliance, Law, or a related discipline.

* 5–8 years of relevant experience in KYC, AML, CDD, EDD, Client Onboarding, or Financial Crime Compliance.

* Strong knowledge of KYC and AML principles and regulatory requirements.

* Hands-on experience conducting CDD and EDD reviews, particularly for corporate and complex customers.

* Strong understanding of beneficial ownership and corporate structures.

* Experience with PEP, sanctions, adverse media, and other screening processes.

* Strong analytical, investigative, and risk-assessment skills.

* Excellent attention to detail and ability to identify inconsistencies or potential risk indicators.

* Good written and verbal communication skills.

* Ability to work independently and manage multiple cases within defined timelines.

Preferred Qualifications

* Professional certification such as CAMS, ICA, ACAMS, or equivalent.

* Experience supporting banking, financial institutions, fintech, or regulated financial services.

* Experience with complex corporate structures, correspondent banking, or institutional clients.

* Familiarity with KYC/AML technology, screening platforms, case management systems, or workflow automation.

* Experience working with international customers and multiple jurisdictions.

What We Offer

* Opportunity to work on AI-native banking and financial services operations.

* Exposure to complex KYC, AML, and financial crime compliance processes.

* Opportunity to contribute to the transformation and automation of traditional banking operations.

* Collaborative and technology-driven working environment.

* Opportunities for professional development and industry certification.