Specialist, Customer & Enhanced Due Diligence

YTL Digital Bank Berhad; Kuala Lumpur; On-site; MYR 70,000 - 110,000; Full time

Job summary

YTL Digital Bank Berhad is seeking a Compliance Analyst to perform Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and Ongoing Due Diligence (ODD) to ensure customers are properly identified and risk-assessed in line with AML/CFT requirements.

You will onboard customers, conduct high-risk reviews, monitor ongoing activity, document decisions, and collaborate with onboarding, fraud, and monitoring teams to strengthen controls in a fast-paced banking environment.

Qualifications

• Degree in Finance, Business, Law, or related field.
• 2-5 years' experience in AML, CDD, EDD, or financial crime roles.
• Banking/fintech or regulatory background preferred.
• Strong understanding of AML/CFT regulations.

Responsibilities

• Perform onboarding due diligence for individuals and corporates, including KYC verification and risk profiling.
• Conduct EDD for high-risk customers, including SOF/SOW analysis and adverse media review.
• Perform ODD through periodic KYC reviews and monitor for changes in risk ratings.
• Apply risk-based approach and escalate high-risk cases to Compliance.
• Maintain audit-ready case documentation and support audits.
• Collaborate with onboarding, fraud, transaction monitoring, and compliance teams.

Skills

KYC/CDD/EDD

Analytical skills

Documentation

Regulatory knowledge

Communication

Education

Finance/Business/Law degree

Job description

Role Purpose:

The role is responsible for performing Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and Ongoing Due Diligence (ODD) to ensure customers are properly identified, risk-assessed, and continuously monitored in accordance with AML/CFT regulatory requirements and internal policies.

Key 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

Key Requirements:

• - Degree in Finance, Business, Law, or related field
• - 2-5 years' experience in AML, CDD, EDD, or financial crime roles (senior level requires more experience)
• - Banking, fintech, or regulatory background preferred
• - 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.

JR00000663