KYC Analyst(001607)

Sunrate Pte. Ltd.; Kuala Lumpur; On-site; MYR 60,000 - 90,000; Full time

Job summary

A leading global payment platform is looking for a KYC Analyst in Kuala Lumpur to manage customer due diligence throughout the client lifecycle. You'll conduct KYC checks, identify higher-risk clients, and maintain compliance records. The ideal candidate has a Bachelor's degree and 1-3 years of AML/KYC experience in a regulated environment. This is an opportunity to grow within a fast-paced fintech environment, contributing to international markets while ensuring regulatory compliance.

Qualifications

• 1-3 years of AML/KYC experience in financial services or regulated industry.
• Strong understanding of CDD, ODD, and risk-based approaches.
• Ability to interpret complex corporate documents and structures.

Responsibilities

• Conduct comprehensive KYC checks for new client onboarding.
• Perform ongoing due diligence through periodic reviews.
• Identify and elevate higher-risk clients or suspicious activity.

Skills

Analytical mindset

Attention to detail

Strong communication skills

Proficiency in documentation

Education

Bachelor’s degree in Finance, Business, Law, or a related discipline

Tools

AML systems

Job description

SUNRATE is a global payment and treasury management platform for businesses worldwide. Founded in 2016, SUNRATE has been recognised as a leading solution provider and has enabled companies to operate and scale both locally and globally in 190+ countries and regions with its cutting‑edge proprietary platform, extensive global network, and robust APIs.

With its global business headquarters in Singapore and offices in Hong Kong, Jakarta, London, and Shanghai, SUNRATE partners with the top global financial institutions, such as Citibank, Standard Chartered, Barclays, J.P. Morgan. SUNRATE is also the principal member of Mastercard, Visa, and UPI. As a KYC Analyst, you will play a critical role in safeguarding SUNRATE from financial crime risks and ensuring we uphold the highest standards of regulatory compliance. You will be responsible for executing customer due diligence (CDD) across the full client lifecycle — from onboarding to ongoing monitoring and periodic reviews — while working closely with cross‑functional teams to support our global operations.

This is a high‑impact role within a fast‑growing fintech environment, offering exposure to international markets, complex client structures, and evolving regulatory landscapes.

Shifts Available

AM Sanctions Shift: 9:30 AM – 6:30 PM MYT
PM Sanctions Shift: 3:00 PM – 12:00 AM (Midnight) MYT

What you’ll be spending your time on

• Conduct comprehensive KYC checks for new client onboarding, reviewing and validating identification, corporate documents, and ownership structures.
• Review and process Virtual Account (VA) applications, ensuring documentation meets internal policy and regulatory requirements.
• Perform ongoing due diligence (ODD) through periodic reviews, risk assessments, and refresh cycles.
• Identify, assess, and elevate higher‑risk clients, red flags, or suspicious activity to senior compliance stakeholders.
• Maintain complete, accurate, and audit‑ready KYC files in accordance with internal standards and regulatory expectations.
• Collaborate with Relationship Managers, Operations, and Compliance to resolve documentation gaps and ensure timely onboarding.
• Support remediation initiatives, data quality improvements, and risk‑based review projects.
• Contribute to process optimisation, workflow enhancements, and automation initiatives that strengthen compliance outcomes.
• Stay current with regulatory developments, industry best practices, and internal policy updates.

For this role you'll also have

• Bachelor’s degree in Finance, Business, Law, or a related discipline.
• 1–3 years of AML/KYC experience in financial services, fintech, payments, or another regulated industry.
• Strong understanding of CDD, ODD, and risk‑based approaches to customer due diligence.
• Familiarity with corporate structures, beneficial ownership, and AML/CFT regulatory requirements.
• Experience with fintech, cross‑border payments, or high‑growth digital financial institutions.
• Exposure to screening tools, AML systems, or workflow platforms.
• Ability to interpret complex corporate documents and international business structures.
• Comfort working with global teams across multiple time zones.
• Exceptional attention to detail and accuracy in documentation.
• Strong communication skills and the ability to manage multiple priorities in a fast‑paced environment.
• A proactive, analytical mindset with a commitment to maintaining high compliance standards.