Specialist, Customer & Enhanced Due Diligence

Ryt Bank; Malaysia; Sur place; MYR 42 000 - 62 000; Plein temps

Résumé du poste

Ryt Bank is seeking an AML Compliance Specialist to perform CDD/EDD and ODD to ensure customers are properly identified, risk-scored, and continuously monitored in line with AML/CFT requirements.

You will conduct KYC verification, sanctions/PEP/adverse media screening, and derive clear onboarding recommendations while collaborating with onboarding, fraud, and compliance teams to strengthen risk controls.

Qualifications

• 2–5 years’ experience in AML, CDD or related roles.
• Strong understanding of AML/CFT regulations and KYC/CDD/EDD frameworks.
• Excellent documentation and reporting abilities.

Responsabilités

• Perform onboarding due diligence for individual and corporate customers, including KYC verification and risk profiling.
• Conduct EDD for high‑risk customers with SOF/SOW analysis and adverse media review.
• Perform ODD through periodic KYC reviews and trigger-based analyses, updating risk ratings as needed.
• Escalate high‑risk or suspicious cases to Compliance and support decisions on monitoring or closure.

Connaissances

Analytical skills

Investigative skills

Attention to detail

Documentation skills

Written and verbal communication

Formation

Bachelor's degree in Finance/Business/Law

Description du poste

**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.