KYC Specialist

OSL Indonesia; Jakarta Selatan; On-site; IDR 140,000,000 - 200,000,000; Full time

Job summary

OSL Indonesia, a licensed digital asset exchange, is seeking a KYC/AML Operations Analyst. You will review customer applications, verify IDs, assess risk, and maintain audit-ready records. You will escalate complex cases when needed and document decisions for regulator reviews.

Applicants should have at least 1 year in KYC/AML, strong English, and knowledge of Indonesian AML/CFT rules. This role requires on-site work in Indonesia with a focus on regulatory compliance.

Qualifications

• Bachelor's degree in related field.
• Proficient in English is a must.
• Minimum 1 year in KYC, customer due diligence or AML operations.
• Working knowledge of Indonesian AML/CFT rules (APU-PPT) and OJK regulations.
• Experience reviewing Indonesian identity documents (KTP, NPWP, passport).
• Experience handling PEP, sanctions and adverse-media hits and documenting decisions.

Responsibilities

• Review KYC Pending queue and decide or escalate.
• Verify IDs, selfies, and liveness results; spot forged documents.
• Assess occupation, income, source of funds and account purpose.
• Review PEP/sanctions hits; decide real match or false positive and record reasons.
• Set and adjust customer risk scores.
• Decide: Approve, Reject (re-apply), or Reject (final) and write reasons.
• Review resubmitted cases and verify issues are fixed.
• Request missing documents and file them to the case.
• Keep full notes so decisions are explainable later.
• Identify high-risk customers for EDD; run interviews and document assessment.

Skills

English proficiency

KYC/AML operations

Risk assessment

Documentation review

Regulatory knowledge

Education

Bachelor's degree in related field

Job description

About US

OSL is the first SFC-licensed digital asset platform in Hong Kong, building next-generation payment infrastructure through stablecoin settlement, cross-border payments, and global licensing. We hold licences across Hong Kong, Japan, Australia, Bermuda, and Indonesia, with active expansion into Europe, Brazil, Southeast Asia, and Africa. Join us in shaping compliant, global payment infrastructure.

Role Overview

OSL Indonesia is a licensed digital asset exchange serving retail and institutional clients through our web platform and the OSL mobile app.

Most customer applications are verified automatically. You handle the ones automation can't: high-risk profiles, PEP and sanctions hits, suspicious or incomplete submissions, and appeals. You make the final approve or reject call and keep a clear record of every decision that will hold up in a regulator review.

Key Responsibilities:

Review customer applications (your daily work)

• Work through the KYC Pending queue in our back-office system: pick up a case, review it fully, then decide or escal
• Check IDs (KTP or passport), selfies and liveness results. Spot edited, forged or borrowed documents.
• Check that occupation, income, source of funds and account purpose make sense for each customer.
• Review name screening results for PEP, sanctions and terrorist-list hits. Decide if each is a real match or a false positive, and write down why.
• Set and adjust the customer's risk score.
• Decide: Approve, Reject (can reapply), or Reject (final). Write reject reasons the customer and our Support team can act on.
• Review customers who were rejected and have resubmitted. Decide if the issue is fixed.
• Request missing documents and file them to the case.
• Keep full notes on every case so any decision can be explained later.

Enhanced Due Diligence (EDD) for high-risk customers

• Identify customers who need EDD, such as PEPs, government officials and people with unusual sources of wealth.
• Send EDD forms and run EDD interviews by video call or Google Form to verify source of funds, wealth and business purpose.
• Write up your assessment with a clear risk conclusion and a recommendation (approve, monitor or reject).
• Escalate complex or high-risk cases to the AML Specialist for the final decision.
• Keep complete EDD records ready for audit.

Business (KYB) onboarding

• Review corporate and institutional applications.
• Verify company documents: Akta Pendirian, NPWP Perusahaan, and KTPs of directors and beneficial owners.
• Assess the company's risk based on business type, ownership structure and source of funds.
• Work with clients to collect any missing documents.

Manual crypto withdrawal review

• Review withdrawals that fall outside automatic approval limits.
• Assess risk using the destination wallet, transaction history and customer risk profile.
• Escalate to the AML Specialist when needed.

Reporting and improvement

• Report to the AML Specialist on queue volume, turnaround time, approval rate and top reject reasons.
• Keep KYC SOPs and the reject-reason library up to date with OJK and PPATK rules (POJK 8/2023 and POJK 27/2024).
• Prepare evidence for internal and regulatory audits.
• Give Product and Engineering feedback on the KYC flow and back-office tools.

Requirements

• Bachelor's degree in related field.
• Proficient in English is a must
• Minimum 1 year in KYC, customer due diligence or AML operations at a bank, payment company, fintech or crypto exchange.
• Working knowledge of Indonesian AML/CFT rules (APU-PPT) and OJK regulations (POJK 8/2023 and POJK 27/2024). You know when a case should be escalated for a suspicious transaction report to PPATK.
• Hands-on experience reviewing Indonesian identity documents (KTP, NPWP, passport), including spotting edited, forged or borrowed ones.
• Experience handling PEP, sanctions and adverse-media hits and documenting your decisions.