Due Diligence Specialist (KYC/KYB)

Payreto; Makati; Hybrid; PHP 600,000 - 1,000,000; Full time

Benefits offered by this job

Hybrid work setup

Day 1 HMO

Life Insurance

Equipment provided

Professional development

Competitive salary

Job summary

Payreto is seeking a Due Diligence Specialist to lead AML/KYC/KYB operations for global fintech clients. You will manage high-risk onboarding, assess ownership structures, and mentor analysts while shaping compliance processes. A hybrid work setup and multiple benefits accompany this role.

You will collaborate with cross-functional teams, engage with clients, and contribute to a center of excellence in compliance, driving strategic insights and improvements across the company.

Qualifications

• At least 2 years of AML/KYC/KYB experience with international clients.
• Ability to handle high-risk, complex onboarding cases.
• Strong understanding of ownership structures, UBOs, and red flags.
• Excellent English communication (written and spoken).
• Proficient in Sheets/Excel and Google Workspace.
• Strong ownership, accountability, and judgment under ambiguity.
• Fast learner who can train others.
• Team player in a fast-paced, multi-client setup.

Responsibilities

• Lead AML, KYC, and KYB operations, including enhanced due diligence for complex and high-risk cases.
• Provide expert analysis and recommendations on onboarding, transaction monitoring, and regulatory compliance.
• Driving the creation and refinement of compliance processes and policies.
• Act as a knowledge hub, mentoring junior analysts and developing processes.
• Collaborate with internal and client teams to implement compliance strategies.
• Contribute to center of excellence to enhance Payreto’s service offerings.
• Serve as primary contact for complex escalations and strategic insights.
• Lead full-cycle due diligence investigations for complex/high-risk clients.
• Verify ownership structures, UBOs, and docs using registries.
• Analyze PEPs, sanctions, adverse media, and red flags to assess risk.
• Escalate and advise on unusual cases with clear reasoning.
• Ensure cases meet global AML standards and client requirements.

Skills

AML/KYC/KYB expertise

High-risk onboarding

English proficiency

Research & due diligence

Ownership & accountability

Analytical thinking

Fast learner

Team player

Tools

Google Workspace

MS Excel

Job description

What We Offer

• Competitive Salary Packages
• Professional Development Opportunities
• Hybrid Work Setup
• Equipment Provided
• Day 1 HMO
• Life Insurance

Position Overview

This is not your average KYC role. We’re looking for a compliance expert who wants to do more than tick boxes. We want someone who sees the bigger picture, thinks strategically, and is ready to take ownership of high-stakes due diligence cases while also shaping how we grow.

Your Role in a Nutshell

As a Due Diligence Specialist, you will lead complex AML, KYC, and KYB operations for global fintech and payment clients. You’ll handle the most sensitive onboarding cases, evaluate risk, engage directly with clients, and improve how we work as a team and company. You’ll also act as a knowledge driver – mentoring others, contributing to process development, and helping us become a center of excellence in compliance.

WHAT WILL YOU DO?

• Leading AML, KYC, and KYB operations, including enhanced due diligence for complex and high-risk cases
• Providing expert analysis and recommendations on client onboarding, transaction monitoring, and regulatory compliance
• Driving the creation and refinement of compliance processes and policies to align with global standards and best practices
• Acting as a knowledge hub, facilitating training programs, and mentoring junior analysts to elevate team expertise
• Collaborating with internal and client teams to develop and implement effective compliance strategies
• Contributing to the design and establishment of a center of excellence to enhance Payreto’s service offerings
• Serving as a primary point of contact for complex escalations and providing strategic insights to clients and stakeholders

Advanced Due Diligence & KYC/KYB Operations

• Lead full-cycle due diligence investigations for complex/high-risk clients (both individuals and entities)
• Verify ownership structures, UBOs, and documentation using international registries and sources
• Analyze PEPs, sanctions, adverse media, and other red flags to determine overall risk level
• Escalate and advise on unusual or ambiguous cases with logic and clarity
• Ensure your cases align with both global AML standards and client-specific requirements

Knowledge Leadership & Process Development

• Act as a key contributor to internal AML/KYC knowledge bases
• Draft, review, and update compliance SOPs, playbooks, and manuals
• Identify inefficiencies and propose improvements to workflows, documentation, and tools
• Support internal audits and client reviews with high-quality documentation and insights

Mentorship & Training

• Deliver onboarding and technical training to new hires and junior analysts
• Provide coaching and quality feedback on case handling, documentation, and decisions
• Organize internal knowledge-sharing sessions to raise the team’s expertise

Client Engagement

• Serve as the compliance point of contact during client calls and case discussions
• Present findings clearly, challenge inconsistencies, and advise on onboarding risk
• Maintain strong and professional communication with client stakeholders, including Heads of AML and onboarding managers

Product & Operational Contributions

• Identify opportunities for workflow enhancements and lead initiatives to improve team productivity and service quality
• Collaborate with internal teams to integrate innovative tools and methodologies that support compliance and operational efficiency
• Drive initiatives to position Payreto as an industry leader in compliance services

WHAT SHOULD YOU HAVE?

• At least 2 years of relevant experience in AML/KYC/KYB (international client exposure required)
• Proven ability to handle high-risk, high-complexity onboarding cases
• Solid understanding of company structures, UBO identification, and regulatory red flags
• Strong command of English (both written and verbal) – you will speak with clients
• High proficiency in Google Workspace or MS Office, especially Sheets/Excel
• Strong online research skills (registry searches, document validation, investigative tools)
• Strong sense of ownership and accountability
• Analytical thinker with excellent judgment under ambiguity
• Comfortable speaking up and challenging unclear instructions or decisions
• Fast learner with the ability to train others
• Team player who thrives in a fast-paced, multi-client setup

Why Join Payreto?

• You’ll work with international clients and experts in a lean, smart team
• You’ll have a voice – we expect ideas, not just execution
• You’ll grow in a setup that rewards initiative, not bureaucracy
• You’ll help shape the future of compliance operations in one of the fastest-growing KPOs in financial services