Senior AML: CDD, EDD & ODD Specialist

Ryt Bank; Kuala Lumpur; On-site; MYR 70,000 - 110,000; Full time

Job summary

Ryt Bank is seeking an AML/Compliance professional to perform customer due diligence, enhanced due diligence, and ongoing monitoring to ensure regulatory and internal policy adherence. You will assess risk, screen for sanctions/PEP/adverse media, and escalate high-risk cases as needed.

Role requires experience in AML/CFT frameworks, strong analytical and documentation skills, and the ability to work in a fast-paced environment within a banking setting.

Qualifications

• Degree in Finance, Business, Law, or related field.
• 2–5 years’ experience in AML, CDD, EDD, or financial crime roles.
• Strong understanding of AML/CFT regulations.
• Knowledge of KYC/CDD/EDD frameworks and risk-based approach.
• Analytical and investigative skills.
• Strong attention to detail and documentation skills.
• Good written and verbal communication skills.
• Ability to work in a fast-paced, high-volume environment.

Responsibilities

• Perform onboarding due diligence for individual and corporate customers, including KYC verification, sanctions/PEP/adverse media screening, and customer risk profiling, while identifying and escalating any inconsistencies or red flags during onboarding
• Conduct EDD for high-risk customers such as PEPs, customers from high-risk jurisdictions, and complex ownership structures, including analysis of Source of Funds (SOF), Source of Wealth (SOW), adverse media review, and providing clear risk assessment and onboarding recommendations
• Perform ODD through periodic and trigger-based KYC reviews (e.g., unusual transactions, profile changes, system alerts), ensuring customer information remains accurate and risk ratings are regularly reassessed based on behavioral and transactional changes
• Apply a risk-based approach in evaluating customer profiles and activities, escalating high-risk or suspicious cases to Compliance, and supporting decisions on account restriction, monitoring, or closure where necessary
• Maintain accurate, complete, and audit-ready case documentation, ensuring compliance with AML/CFT policies, internal SOPs, and regulatory requirements, and supporting internal and external audit requests when required
• Collaborate closely with onboarding, fraud, transaction monitoring, and compliance teams, provide insights on emerging risk trends and typologies, and support continuous process improvement and operational efficiency initiatives

Skills

KYC/CDD/EDD framework

AML/CFT knowledge

Analytical skills

Investigative skills

Attention to detail

Communication skills

Education

Degree in Finance/Business/Law

Job description

Ryt Bank is seeking an AML/Compliance professional to perform customer due diligence, enhanced due diligence, and ongoing monitoring to ensure regulatory and internal policy adherence. You will assess risk, screen for sanctions/PEP/adverse media, and escalate high-risk cases as needed.

Role requires experience in AML/CFT frameworks, strong analytical and documentation skills, and the ability to work in a fast-paced environment within a banking setting.