Senior KYC/KYB Compliance Lead (Payments)

MediaCA Pay Limited; Dubai; Presencial; AED 300.000 - 420.000; Jornada completa

Descripción de la vacante

M-Pay seeks a Senior Compliance Officer with strong KYC/KYB experience to support and strengthen our business customer due diligence program. You will review complex business and individual files, assess ownership and control structures, and help ensure ongoing due diligence and escalations are handled consistently.

You will collaborate with Relationship Management, Operations, and compliance leadership, exercising independent judgment and documenting decisions clearly in line with policy and

Formación

• 4–6 years of relevant compliance or financial crime experience in payments, fintech, banking, money services, or related regulated environment.
• At least 4 years’ hands-on experience conducting or reviewing KYC and KYB due diligence for business customers.
• Strong working knowledge of risk-based customer due diligence, beneficial ownership, PEP and sanctions screening, adverse media, and enhanced due diligence.
• Experience assessing complex entity structures and documenting clear, evidence-based risk decisions.
• Familiarity with transaction monitoring or payment activity reviews and established escalation processes.
• Strong written communication, investigative judgment, attention to detail, and confidence in raising concerns.
• Experience supporting audits, quality reviews, policy updates, or compliance reporting.
• Ability to work constructively with commercial and operational teams while maintaining appropriate independence.
• Relevant compliance qualifications are an advantage; equivalent practical experience is welcome.

Responsabilidades

• Conduct and quality-review risk-based KYC and KYB due diligence for prospective and existing business clients.
• Verify legal entity information, business activity, directors, authorized representatives, ownership and control, and ultimate beneficial owners.
• Assess customer risk using factors such as geography, products, payment corridors, expected activity, ownership complexity, and source of funds where required.
• Review and resolve identity, sanctions, PEP, and adverse-media screening results; document rationale and escalate potential matches.
• Apply enhanced due diligence where indicated, including gathering and assessing additional information and evidence.
• Review periodic refreshes and trigger-based reviews, ensuring files remain complete and risk ratings are current.
• Assess onboarding and ongoing activity concerns, unusual patterns, or potential policy breaches; escalate alerts per internal procedures.
• Maintain clear, audit-ready case records, decisions, evidence, and escalation notes.
• Support quality assurance, management information, compliance reporting, internal audits, and remediation of identified gaps.
• Help maintain and improve KYC/KYB procedures, checklists, training materials, and operational controls as products and risks evolve.
• Advise commercial and operations colleagues on due diligence requirements while preserving independent compliance decision-making.
• Keep current with relevant financial crime risks, regulatory developments, and good practice affecting the business and its markets.

Conocimientos

KYC

KYB

Due diligence

Risk assessment

Adverse media

PEP screening

Sanctions screening

Documentation

Audit support

Regulatory knowledge

Educación

Bachelor's degree in Law/Business/Finance

Descripción del empleo

M-Pay seeks a Senior Compliance Officer with strong KYC/KYB experience to support and strengthen our business customer due diligence program. You will review complex business and individual files, assess ownership and control structures, and help ensure ongoing due diligence and escalations are handled consistently.

You will collaborate with Relationship Management, Operations, and compliance leadership, exercising independent judgment and documenting decisions clearly in line with policy and