Team Lead, KYB Due Diligence

Tranglo Sdn Bhd; Kuala Lumpur; On-site; MYR 180,000 - 260,000; Full time

Job summary

Tranglo Sdn Bhd, based in Kuala Lumpur, seeks a seasoned KYB Due Diligence Team Lead to oversee onboarding and ongoing due diligence of remittance partners globally. You will ensure licenses and authorizations are in place, lead a team of KYB analysts, and drive risk-based onboarding, sanction screening, and continuous monitoring in a fast‑paced fintech environment.

Responsibilities include mentoring staff, defining KPIs, collaborating with IT and Risk, and maintaining KYB SOPs to meet global

Qualifications

• 5+ years of AML/CFT compliance and KYB in fintech, payments, banking, or MSB industries.
• Strong understanding of licensing and regulatory regimes for remittance/cross-border payments across multiple jurisdictions.
• Familiarity with FATF/Wolfsberg guidelines and risk-based due diligence principles.

Responsibilities

• Lead and manage end-to-end onboarding of remittance partners and ongoing KYB reviews.
• Verify licenses/authorizations for remittance partners across jurisdictions.
• Maintain risk-based onboarding considering partner type, licensing, operations, and AML/CFT risk.
• Analyze partner ownership, control persons, and third-party dependencies.
• Oversee annual and risk-triggered reviews and ongoing monitoring for active partners.
• Implement EDD for high-risk jurisdictions or complex business models.
• Supervise KYB analysts and develop the team; establish KPIs on quality and SLA adherence.

Skills

Leadership

AML/CFT

KYB due diligence

Regulatory awareness

Job description

Tranglo is seeking a highly motivated and experienced KYB Due Diligence Team Lead to oversee the end-to-end onboarding and ongoing due diligence of licensed remittance partners globally, including financial institutions (FIs) and non-financial institutions (non-FIs). The successful candidate will be responsible for ensuring all prospective partners are properly licensed and legally permitted to operate or offer cross-border remittance services in their respective jurisdictions. This role requires strong Anti-Money Laundering and Countering Financing of Terrorism (AML/CFT) expertise, leadership capabilities, and operational excellence in partner risk assessment and onboarding.

• Lead and manage the full lifecycle of remittance partner onboarding, including initial risk assessment, KYB documentation review, sanction screening, beneficial ownership verification, and onboarding approval.
• Verify and validate that all prospective remittance partners possess the appropriate licenses or authorizations to operate or provide cross-border payment/remittance services in their jurisdiction.
• Maintain a risk-based approach to onboarding, factoring in partner type, licensing framework, operational model, and jurisdictional AML/CFT risks.
• Conduct detailed analysis on partner structure, ownership transparency, control persons, and third-party dependencies (e.g., BIN sponsors, licensed agents).
• Oversee scheduled annual and risk-triggered reviews and risk reassessments of active remittance partners based on licensing status, business activities, and risk classification.
• Ensure continuous monitoring of adverse media, license revocation/expiration, ownership changes, or regulatory enforcement actions.
• Implement enhanced due diligence (EDD) protocols for high-risk jurisdictions or partners with complex business models.
• Supervise, guide, and develop a team of KYB analysts to meet performance and compliance objectives.
• Establish team KPIs around quality, SLA adherence, and risk control effectiveness.
• Lead team hiring, capacity planning, resource allocation, and performance reviews.
• Fairly and transparently distribute onboarding cases and periodic review workload across the team, based on individual capacity, complexity, and priority, to ensure equitable task delegation.
• Monitor workload balance across the team on an ongoing basis to prevent bottlenecks, burnout, or uneven distribution of casework.
• Maintain and regularly update KYB SOPs, onboarding checklists, and due diligence templates to ensure global regulatory alignment.
• Collaborate with IT, Risk, and Product teams to enhance workflow automation and decisioning tools.
• Drive continuous process improvements to improve turnaround time, eliminate inefficiencies, and reduce false positives.

Actual Title: LEAD, COMPLIANCE (KYC)

Key Responsibilities
Partner Onboarding & Due Diligence

• Lead and manage the full lifecycle of remittance partner onboarding, including initial risk assessment, KYB documentation review, sanction screening, beneficial ownership verification, and onboarding approval.
• Verify and validate that all prospective remittance partners possess the appropriate licenses or authorizations to operate or provide cross-border payment/remittance services in their jurisdiction.
• Maintain a risk-based approach to onboarding, factoring in partner type, licensing framework, operational model, and jurisdictional AML/CFT risks.
• Conduct detailed analysis on partner structure, ownership transparency, control persons, and third-party dependencies (e.g., BIN sponsors, licensed agents).
• Oversee scheduled annual and risk-triggered reviews and risk reassessments of active remittance partners based on licensing status, business activities, and risk classification.
• Ensure continuous monitoring of adverse media, license revocation/expiration, ownership changes, or regulatory enforcement actions.
• Implement enhanced due diligence (EDD) protocols for high-risk jurisdictions or partners with complex business models.

• Supervise, guide, and develop a team of KYB analysts to meet performance and compliance objectives.
• Establish team KPIs around quality, SLA adherence, and risk control effectiveness.
• Lead team hiring, capacity planning, resource allocation, and performance reviews.
• Fairly and transparently distribute onboarding cases and periodic review workload across the team, based on individual capacity, complexity, and priority, to ensure equitable task delegation.
• Monitor workload balance across the team on an ongoing basis to prevent bottlenecks, burnout, or uneven distribution of casework.
• Maintain and regularly update KYB SOPs, onboarding checklists, and due diligence templates to ensure global regulatory alignment.
• Collaborate with IT, Risk, and Product teams to enhance workflow automation and decisioning tools.
• Drive continuous process improvements to improve turnaround time, eliminate inefficiencies, and reduce false positives.

Stakeholder Engagement & Governance

• Coordinate with internal stakeholders (Business, Legal, Risk, Operations) to support smooth and compliant partner onboarding.
• Proactively engage internal and external stakeholders within defined turnaround times/SLAs, ensuring timely responses and follow‑ups to avoid onboarding or review delays.
• Promptly elevate blockers, missing information, or stalled cases to relevant stakeholders to keep onboarding and review timelines on track.
• Represent the KYB function in internal and external audits, regulatory reviews, and senior management reporting.
• Provide input on new business initiatives and product development to ensure compliance with licensing and regulatory expectations.

Training & Culture

• Develop and conduct training on global licensing frameworks and KYB due diligence for remittance partners.
• Foster a culture of compliance, risk ownership, and operational excellence throughout the organization.

Qualifications & Requirements

• 5+ years of experience in AML/CFT compliance, KYB due diligence, or corporate onboarding within the fintech, payments, banking, or MSB industry.
• Strong understanding of licensing and regulatory regimes governing remittance/cross-border payments across multiple jurisdictions (e.g., MSBA, PSA, MTL, MTO frameworks).
• Familiarity with international AML standards (FATF, Wolfsberg) and risk-based due diligence principles.
• Professional certification (CAMS, ICA, or equivalent) is highly desirable.
• Strong analytical and investigative skills with a global regulatory awareness.
• Ability to interpret licensing documents, regulatory frameworks, and foreign legal structures.
• Excellent communication and stakeholder management skills, with a demonstrated ability to engage relevant stakeholders promptly and effectively.
• High attention to detail, with a structured and systematic approach to risk analysis.
• Leadership and coaching capabilities to guide team performance, development, and equitable workload distribution.
• Ability to thrive under pressure and manage multiple onboarding projects in parallel.

Location: Bangsar South, Kuala Lumpur

Nationality: Malaysian

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Computer Software & Networking 51-100 employees

TRANGLO Sdn Bhd operates a digital commerce switching hub for financial institution and telecom providers globally and strives to produce a fast, easy-to-use and secure platform to better connect loved ones and friends worldwide.

Founded in 2008, the company has connectivity to over 250 mobile network operators, 30,000 retail outlets and 400 banks through its products namely Prepaid Reload, Money Transfer, and Digital Gifts.

Tranglo was also nominated by Fintech News Singapore as one of the Top 10 Fintech Player.

The Vision of the Company is to become "Global Leader in providing accessible and equitable mobile telecom and financial services to the general mass".

Check out www.tranglo.com or read more at:

1) http://www.thestar.com.my/business/business-news/2016/11/01/tranglo-sdn-bhd/ ;

2) http://fintechnews.sg/7899/malaysia/top-10-fintech-startups-malaysia/