Risk And Compliance

Concentrix; Makati; On-site; PHP 500,000 - 900,000; Full time

Job summary

Concentrix in Makati is seeking a Risk Analyst for the Customer Due Diligence (CDD) team. You will perform Initial, Enhanced and Ongoing CDD for FinTech Account merchant clients, ensuring AML/CTF compliance and effective risk controls.

You will collaborate with Sales to optimize onboarding, assess merchant risk, conduct credit and fraud screening, and maintain documentation and risk systems in line with internal policies.

Qualifications

• 2–3 years of experience in customer due diligence (KYC/AML/Credit) environment.
• 1+ years in payments or technology driven organization.
• Experience in a merchant acquiring organization.

Responsibilities

• Perform Initial, Enhanced, and Ongoing Customer Due Diligence (CDD).
• Run credit and fraud checks on new merchants.
• Ensure client documentation complies with AML/CTF regulations.
• Assign compliance and credit risk levels to merchants.
• Handle daily operations within SLA.
• Collaborate with Sales to optimize onboarding while managing risk.
• Identify and report AML/CTF compliance matters per Worldline policy.
• Manage risk alerts for merchants.
• Support Risk Manager to maintain risk systems and docs.
• Review and optimize risk processes and procedures.

Skills

Planning and organizational skills

Influencing and negotiation skills

Communication and presentation skills

Commercial awareness and industry know

Results driven

Office tools (PowerPoint and Excel)

Tools

PowerPoint

Excel

Job description

Job Description

Job Title: Risk & Compliance

The Risk Analyst is a key role within the Customer Due Diligence team of FinTech Account, reporting into the Risk Manager (Customer Due Diligence). The Customer Due Diligence team is part of the First Line Risk & Compliance (1LRC) team and is responsible for Customer Due Diligence (CDD) of FinTech Account merchant acquiring customers, which includes Initial Customer Due Diligence, Enhanced Customer Due Diligence (ECDD) and Ongoing Customer Due Diligence (OCDD). CDD is a critical activity to comply with AML/CTF Rules, Scheme Rules, Worldline Rules, and other legal and regulatory requirements within the Australian market. CDD is also required to manage key risks that FinTech may be exposed to such as Fraud Risk and Credit Risk. The Risk Analyst is instrumental in ensuring that the business is managing its customer risk effectively.

Key Responsibilities

• Performing CDD activities, which will include Initial Customer Due Diligence, Enhanced Customer Due Diligence and Ongoing Customer Due Diligence.
• Performing credit and fraud checks on new merchants, thereby preventing the company from financial loss.
• Assures the completeness and correctness of the client documentation in terms of the AML CTF regulations.
• Assigns the proper compliance risk and credit risk level to every merchant.
• Handling daily operations in accordance with organizational policies and procedures within an agreed SLA.
• Work collaboratively with the Sales organization to ensure that the end-to-end onboarding process of customers is optimized, while managing risk within acceptable levels.
• Identify, investigate, assess and report on AML/CTF compliance matters, making sure that it complies with the AML/CTF program and Worldline’s Merchant Underwriting Policy.
• Handles risk alerts for new and existing merchants.
• Support the Risk Manager in ensuring that all risk systems, processes and procedural level documentation is created and maintained.
• Support the Risk Manager in ensuring that all risk systems, processes and procedures are continuously reviewed and optimized.

Experience

• 2-3 years of experience in customer due diligence (KYC, AML and Credit) environment.
• 1+ years in payments or technology driven organization.
• Experience in a merchant acquiring organization.

Competencies & Knowledge

• Planning and organizational skills.
• Influencing and negotiation skills.
• Communication and presentation skills.
• Commercial awareness and industry knowledge.
• Results driven and ability to work under pressure.
• Intermediate knowledge of Office products, including PowerPoint and Excel.
• Multicultural and flexible mindset with the ability to multi-task and work in an international environment.

Location: PHL Makati City - SLC

Time Type

Full time