Anti-Money Laundering Analyst

Helius Technologies; Kuala Lumpur; On-site; MYR 67,000 - 100,000; Full time

Benefits offered by this job

CAMS

ICA Certificate

KYC BPO experience

Cross-border AML knowledge

Job summary

Helius Technologies is seeking a KYC/AML Analyst to perform CDD and EDD across onboarding, reviews, and events. You will collect and verify identity docs, assess ownership, and classify risk using a RBA framework. Build audit-ready files with English narratives for Mandarin-origin documents.

You will escalate high-risk cases, maintain SLA adherence, and contribute to QA and SOP updates while collaborating with frontline teams and compliance.

Qualifications

• 1–3 years of KYC/AML experience in a regulated entity or KYC shared services.
• Proficiency with KYC/AML frameworks and sanctions screening.
• Ability to produce clear risk narratives in English from multilingual sources.

Responsibilities

• Perform CDD for onboarding, periodic review, and event-driven KYC according to procedures and SLAs.
• Collect, verify, and assess identity docs including Mandarin-language submissions.
• Classify customers by risk tier using RBA framework and maintain audit-ready KYC files.
• Conduct EDD for high-risk customers, including PEPs and complex structures, and produce English risk summaries.
• Escalate high-risk cases to Senior KYC Manager; support SLA compliance and QA.
• Collaborate with front-office, compliance, and operations; ensure English narration for all files.

Skills

Mandarin Chinese

English proficiency

Risk-based approach (RBA)

Education

Bachelor's degree in finance, law, business, economics, or related field

Tools

KYC case management platforms

Sanctions screening tools (World-Check, Dow Jones, etc.)

Job description

• Perform CDD for new and existing retail and commercial customers at onboarding, periodic review, and event-driven trigger points, in line with client-specific procedures and SLA requirements.
• Collect, verify, and assess identity documentation, beneficial ownership structures, and source of funds/wealth — including documents submitted in Mandarin Chinese.
• Classify customers accurately by risk tier (Low / Medium / High) using the bank's risk-based approach (RBA) framework.
• Maintain complete, accurate, and audit-ready KYC files in the case management system, ensuring full traceability and commentary in English regardless of source document language.
• Identify discrepancies or gaps in documentation and follow up with the client's relationship managers or operations team to resolve them within agreed SLAs.
• Meet daily and weekly case completion targets as defined in the SLA dashboard, flagging capacity or data-quality issues to the Team Lead in a timely manner.

2. Enhanced Due Diligence (EDD)

• Conduct in-depth EDD reviews for high-risk customers including PEPs, complex corporate structures (including Greater China holding entities and VIE structures), HNWIs, and non-resident customers.
• Review and interpret adverse media, corporate registry filings, and ownership documents sourced in Mandarin, producing accurate English-language risk summaries for the KYC file.
• Screen against sanctions lists (OFAC, UN, EU, MAS, local) and PEP databases using tools such as World-Check, Dow Jones, or Comply Advantage.
• Prepare detailed EDD reports and risk narratives, clearly articulating risk factors, mitigating controls, and recommended outcomes in English for client-side review.
• Escalate unresolved high-risk cases or red flags to the Senior KYC Manager or client-side MLRO through the agreed escalation channel and within defined turnaround windows.
• Conduct UBO (Ultimate Beneficial Owner) mapping for complex legal entities including trusts, holding companies, SPVs, and structures common in Greater China jurisdictions.

3. SLA Compliance & Quality Management

• Consistently achieve KYC case throughput, turnaround time (TAT), and quality score KPIs as defined in the MSA and internal scorecards.
• Participate in QA sampling and post-QA feedback sessions; implement corrective actions within agreed timelines.
• Accurately record case status, hold reasons, and pending items in the workflow system to ensure real-time SLA reporting is reliable.
• Support monthly and quarterly performance reviews by providing case-level data and commentary as required by the operations manager.
• Contribute to standard operating procedure (SOP) updates when regulatory changes or client-specific amendments require procedural revisions.

4. Compliance & Regulatory Adherence

• Ensure all KYC activities comply with applicable regulations including FATF recommendations, local AML/CFT laws, and client-specific policies.
• Stay current with regulatory developments relevant to Greater China and Mandarin-speaking markets and apply updates to daily practice.
• Support internal and external audits, regulatory examinations, and client-initiated thematic reviews by preparing files and providing case-level commentary.
• Flag operational gaps, emerging typologies, or language-related processing challenges to the compliance team for procedural consideration.

5. Stakeholder Collaboration

• Act as a key liaison between the shared services center and the client's front-office, compliance, and operations teams — communicating clearly in English on all formal correspondence.
• Use Mandarin language skills to facilitate direct clarification with Mandarin-speaking client contacts, relationship managers, or document originators where required.
• Participate in daily stand-ups, team huddles, and client service review meetings as required.
• Share knowledge with junior KYC analysts; support peer review and buddy-checking of Mandarin-language files.

Qualifications & Experience

• 1–3 years of KYC/AML experience within a retail or commercial bank, financial institution, regulated entity, or KYC shared services / BPO environment.
• Demonstrable hands‑on experience with both CDD and EDD processes, including high‑risk and PEP case management.
• Strong working knowledge of AML/CFT regulatory frameworks (FATF, local AML laws, sanctions regimes).
• Proficiency with KYC case management and screening platforms (e.g. World-Check, Accuity, Actimize, or equivalent).
• Business‑level Mandarin Chinese (spoken and written) — HSK 5 or above or demonstrated professional equivalent.
• Professional working proficiency in English (written and spoken) — mandatory for all file narration and internal reporting.
• bachelor's degree in finance, Law, Business, Economics, or a related discipline.
• Demonstrated ability to work in a high‑volume, metric‑driven environment with strict SLA adherence.

Preferred / Advantageous

• CAMS (Certified Anti-Money Laundering Specialist), ICA Certificate/Diploma in AML, or equivalent. Professional certification:
• Prior experience in a KYC BPO, shared services center, or outsourced compliance function.
• Familiarity with Greater China corporate structures, VIE arrangements, and China‑specific AML typologies.
• Experience handling corporate and commercial banking clients including complex cross‑border ownership structures.
• Exposure to e‑KYC platforms, digital onboarding transformation projects, or RPA‑assisted KYC workflows.
• Additional language skills (Cantonese, Bahasa, or other regional languages) are an advantage.

Technical & Functional Skills

• Deep understanding of risk-based approach (RBA) methodology for customer risk classification.
• UBO identification and corporate structure analysis — including trust deeds, shareholder registers, and Greater China entity structures.
• Sanctions screening, adverse media searches, and negative news assessment in both English and Mandarin sources.
• Report writing: ability to produce clear, concise, well‑evidenced EDD risk narratives in English from multi‑language source material.
• Proficiency in Microsoft Office (Excel for SLA tracking and case metrics, Word for case documentation).
• Familiarity with transaction monitoring systems and SAR/STR escalation processes.
• Ability to read, interpret, and summarize Chinese-language corporate registry documents, business licenses, and company charters.