KYC Operations Manager

Chung Yick Tung Finance Technology Limited; Hong Kong; On-site; HKD 420,000 - 680,000; Full time

Benefits offered by this job

5-day work week

Medical and dental insurance coverage

Professional development and training

Fast-track career progression

Job summary

Chung Yick Tung Finance Technology Limited is seeking a Compliance Officer to oversee daily KYC/KYB operations, onboarding, CDD/EDD, and sanctions screening in a fintech environment in Hong Kong.

You will ensure AMLO and Money Lenders Ordinance compliance, coordinate with banks and card schemes, conduct high-volume KYC cases, and drive process improvements while reporting to Head of Compliance.

Qualifications

• Bachelor's degree or above in Law, Finance, Accounting, Business Administration, or related disciplines.
• 3-5 years of relevant KYC/AML experience in fintech or financial services.
• Fluent Mandarin; Cantonese and English is a plus.
• Strong data analysis and documentation skills; able to handle high-volume KYC cases.
• Proficient in office software and KYC/AML systems.

Responsibilities

• Conduct KYC reviews for individuals and corporate customers, perform CDD/EDD, and verify identity documents and related records.
• Conduct risk-based customer risk rating and determine due diligence levels and review cycles.
• Perform EDD on high-risk customers, PEPs, sanctions hits, and adverse media, and prepare escalation reports.
• Maintain complete, auditable KYC records for audits and regulatory inspections.
• Conduct KYB reviews for merchants in cross-border e-commerce and related sectors; assess business models and sources of funds.
• Liaise with banks, card schemes, and PSPs on KYC/KYB requirements for onboarding.
• Support onboarding for card issuance and cross-border payments; identify high-risk jurisdictions and patterns.
• Conduct sanctions, PEP, and adverse media screening; manage alerts and resolution.
• Assist in transaction monitoring and prepare STRs; support submission to JFIU.
• Perform periodic and event-driven reviews; update KYC information and risk ratings.

Skills

Fluent Mandarin

Strong communication

Data analysis

Documentation

Coordination

Self-motivated

Education

Bachelor's degree or above in related field

Tools

KYC/AML systems

Office software

Job description

Reporting to the Head of Compliance / Compliance Officer, this role is responsible for daily KYC/KYB operations, including customer onboarding, Customer Due Diligence (CDD/EDD), KYB reviews, sanctions and PEP screening, periodic reviews, STR support, and KYC process optimisation. The role ensures that the Company's card issuance, cross-border payment, and money lending businesses comply with the Anti-Money Laundering and Counter-Terrorist Financing Ordinance (AMLO), the Money Lenders Ordinance (Cap. 163), relevant licensing conditions, and the compliance requirements of partner banks, card schemes, and payment service providers.

Key responsibilities

Conduct KYC reviews for individual and corporate customers, perform CDD/EDD, and collect and verify identity documents, corporate registration documents, shareholding structures, Ultimate Beneficial Owners (UBO), business proofs, and address proofs.

Conduct risk-based customer risk rating and determine due diligence levels and periodic review cycles.

Perform Enhanced Due Diligence (EDD) on high-risk customers, Politically Exposed Persons (PEPs), sanctions hits, and adverse media hits, and prepare escalation reports.

Maintain complete, accurate, and auditable KYC records, ensuring they are readily available for internal audits and regulatory inspections.

Conduct KYB reviews for merchants in cross-border e-commerce, foreign trade B2B, digital marketing, and travel industries, covering business models, transaction purposes, source of funds, website/app compliance, and high-risk industry identification.

Liaise with banks, card schemes, and payment service providers on KYC/KYB requirements, ensuring customer onboarding meets partner channel standards.

Support customer onboarding for card issuance and cross-border payment businesses, identifying high-risk jurisdictions, industries, and transaction patterns.

Conduct sanctions, PEP, and adverse media screening, handle alerts, and document resolution rationale.

Assist in transaction monitoring, identify unusual transactions, prepare supporting materials for Suspicious Transaction Reports (STRs), and assist in submission to the Joint Financial Intelligence Unit (JFIU).

Conduct periodic reviews of existing customers, event-driven reviews, and update KYC information and risk ratings.

About you

Bachelor's degree or above in Law, Finance, Accounting, Business Administration, or related disciplines.

3-5 years of relevant experience in KYC, CDD, AML, customer onboarding, or compliance operations, with at least 2 years in fintech, payment services, card issuance, cross-border payments, or licensed money lending.

Sound knowledge of the Anti-Money Laundering and Counter-Terrorist Financing Ordinance (AMLO), the Money Lenders Ordinance (Cap. 163), and related licensing conditions.

Familiarity with CDD/EDD, KYB, sanctions/PEP screening, customer risk rating, and basic transaction monitoring requirements.

Proficient in office software and KYC/AML systems, with strong data analysis and documentation skills.

Fluent Mandarin (required); proficiency in Cantonese and English is a plus.

Good written communication skills in both Chinese and English.

Meticulous, principle-driven, and able to handle a high volume of KYC cases with accuracy.

Strong communication and coordination skills, able to collaborate effectively with business, compliance, channels, and external partners.

Self-motivated and able to drive KYC operations independently in a fast-paced environment.

• 5-day work week
• Medical and dental insurance coverage
• Professional development and training opportunities
• Fast-track career progression in a high-growth fintech environment

About us

Chung Yick Tung Finance Technology Limited is a fast-growing fintech company headquartered in Hong Kong, holding a Money Lender Licence (MLO), specialising in card issuance, cross-border payments, and digital treasury solutions, with deep business collaborations with licensed banks. With a strong regional footprint across Asia-Pacific, we provide innovative payment infrastructure for cross-border e-commerce, foreign trade B2B, digital marketing, and travel industries.