KYC/KYB Analyst

dtcpay; Kuala Lumpur; On-site; MYR 60,000 - 80,000; Full time

Job summary

A leading payment service provider in Kuala Lumpur is seeking a KYC Compliance Specialist to perform end-to-end KYC reviews for individual and corporate clients. This role involves reviewing onboarding cases in both fiat and digital currencies, ensuring compliance with AML/CFT regulations, and contributing to ongoing policy enhancements. The ideal candidate must have a background in finance or law, at least 2 years of experience in compliance, and proficiency in English and Mandarin. This position requires strong analytical skills and the ability to work in a fast-paced environment.

Qualifications

• Minimum 2 years of experience in KYC, KYB, AML, or Compliance roles.
• Proven experience handling individual and corporate customer reviews.
• Prior experience in crypto, fintech, payments, or digital assets is preferred.

Responsibilities

• Perform end-to-end KYC reviews for individual and corporate clients.
• Review onboarding cases involving crypto-related businesses.
• Ensure compliance with internal policies and regulatory guidelines.

Skills

Proficient in English and Mandarin

Solid knowledge of AML/CFT and sanctions

Strong analytical and documentation skills

Experience with KYC tools (e.g. World-Check)

Education

Bachelor's degree in Accounting, Finance, Law, Business or related field

Tools

World-Check

ComplyAdvantage

Chainalysis

Job description

dtcpay is a MAS licensed payment service provider that bridges traditional finance and digital assets. We enable businesses to accept and make payments in both fiat and digital currencies, delivering secure, efficient, and seamless payment experiences across borders. As we expand globally, we are shaping the future of digital payments.

We are also recognised as one of Singapore’s Top 10 Startups in the LinkedIn Top Startups 2025 list, a reflection of our momentum and the exciting journey ahead for our team.

Work Arrangement: Fully On-site

What You'll Do:

KYC / KYB Onboarding

• Perform end-to-end KYC reviews for individual and corporate clients, including enhanced due diligence (EDD) where required
• Conduct corporate structure analysis, UBO identification, and ownership/control assessments
• Review and verify incorporation documents, shareholder registers, board resolutions, and business activities
• Assess client risk profiles based on jurisdiction, industry, products, and transaction behavior

Crypto / Digital Assets Compliance

• Review onboarding cases involving crypto-related businesses, including exchanges, wallets, Web3, fintech, and payment firms
• Assess source of funds (SOF) and source of wealth (SOW) involving fiat and digital assets
• Identify risks related to virtual assets, stablecoins, and blockchain-based transactions
• Understand and apply crypto-specific red flags and typologies

AML & Sanctions Screening

• Perform name screening against sanctions, PEP, and adverse media databases
• Escalate high-risk cases, suspicious activities, or policy exceptions to Compliance or MLRO
• Support ongoing monitoring, periodic reviews, and trigger-based reviews

Regulatory & Policy Adherence

• Ensure onboarding decisions comply with internal policies, AML/CFT regulations, and regulatory guidelines
• Maintain clear, well-documented KYC files and audit-ready records
• Contribute to the enhancement of KYC procedures and risk frameworks

What We're Looking For:

• Proficient in both English and Mandarin to effectively communicate with our diverse client base and stakeholders
• Bachelor's degree in Accounting, Finance, Law, Business or a related field
• Minimum 2 years of experience in KYC, KYB, AML, or Compliance roles within the financial services, fintech, or payments industry
• Proven experience handling both individual and corporate customer reviews
• Prior experience in crypto, fintech, payments, digital assets, or financial services is strongly preferred
• Strong understanding of UBO identification, complex ownership structures, and EDD
• Familiarity with MAS, FATF, or equivalent regulatory frameworks is an advantage

Skills & Knowledge

• Solid knowledge of AML/CFT, sanctions, PEPs, and adverse media risks
• Experience reviewing source of funds / source of wealth, including crypto-related flows
• Comfortable working with KYC tools and screening systems (e.g. World-Check, ComplyAdvantage, Chainalysis, TRM Labs, or similar)
• Strong analytical, investigative, and documentation skills
• High attention to detail and ability to make risk-based decisions

Soft Skills

• Strong written and verbal communication skills
• Ability to work independently and manage multiple onboarding cases
• Comfortable operating in a fast-paced, regulated environment