Onboarding & ODD Senior Specialist (Poland/Remote)

ZEN.COM; Kraków; Sur place; PLN 180 000 - 260 000; Plein temps

Avantages offerts par ce poste

Private medical healthcare

Internal training opportunities

External training opportunities

Résumé du poste

ZEN.COM is seeking a Senior Onboarding & KYB Specialist to lead complex KYB, EDD and e-commerce underwriting. You will make risk-based decisions on complex customer structures and high-risk jurisdictions, while mentoring teammates and contributing to AML/KYC process improvements.

You will work within a Complex KYB & Ecomm Team, handling challenging cases, and driving policy enhancements. Fluency in English and strong analytical judgment are essential in a dynamic, ambiguous environment.

Qualifications

• 3+ years AML/KYC/KYB with hands-on complex KYB, EDD and e-commerce underwriting.
• Experience with high-risk jurisdictions and multi-layer UBO structures.
• Fluent English.
• Comfort with ambiguity; analytical patience.
• Share Gallup test results if available.

Responsabilités

• Perform and take decision for e-commerce underwriting for complex merchants: full business model analysis, financial records review, exposure calculation and payment-method evaluation.
• Perform post-account-opening B2B/e-commerce data verification and ongoing customer checks.
• Perform and take decision for complex KYB onboarding cases including high-risk jurisdictions and multi-layered UBO structures across all jurisdictions.
• Conduct and own EDD investigations for high-risk B2B and B2C clients; make documented risk-based decisions.
• Execute complex and EDD-triggered Periodic Reviews; take decision for these cases; prepare escalation documentation for MLRO where required.
• Provide continuous feedback on data, tools and assessments to support ongoing policy, product and procedure improvements.
• Support audit preparation and actively participate in internal and external audits.
• Identify and escape suspicious onboarding patterns, emerging risk trends and cases requiring MLRO involvement.
• Maintain accurate and complete case records in line with documentation standards.

Connaissances

AML/KYC/KYB

Risk assessment

Analytical skills

Mentoring

Description du poste

ZEN.COM is a smart financial app designed for your everyday life – at home and on the go.

We make payments, online shopping, and personal finance management fast, secure, and effortless.

With ZEN.COM, you can enjoy cashback on purchases, full control over your spending, and peace of mind thanks to purchase protection.

A built-in multi-currency account lets you spend abroad or shop internationally with great exchange rates and no hidden fees.

We are looking for an Onboarding & ODD Senior Specialist to join our Complex KYB & Ecomm Team and take ownership of complex KYB, KYC, EDD, and e-commerce underwriting cases. You will make independent, risk-based decisions on complex customers and ownership structures, including high-risk jurisdictions and industries.

As a senior member of the team, you will also mentor other Specialists, contribute to improving our AML/KYC/KYB processes and risk appetite, and help identify emerging risks. We are looking for someone with strong analytical skills, sound judgment, and the ability to work confidently in ambiguous situations.

What We Offer

• Real influence on shaping the ZEN.COM.
• Work in an environment where innovation and effectiveness truly matter.
• Competitive salary.
• Private medical healthcare.
• Internal and external training opportunities.

Requirements

• 3+ years AML/KYC/KYB, with hands-on complex KYB, EDD and e-commerce underwriting.
• Multi-layer UBO, high-risk jurisdictions/industries, Source-of-Funds/Source-of-Wealth and adverse-media analysis.
• Fluent English.
• Comfort with ambiguity; analytical patience.
• We would appreciate it if you could share your Gallup test or similar assessment results, if available. You can find a dedicated link in the application form on the next page.

Responsibilities

• Perform and take decision for e-commerce underwriting for complex merchants: full business model analysis, financial records review, exposure calculation (rolling reserves, security deposits) and payment-method evaluation.
• Perform post-account-opening B2B/e-commerce data verification and ongoing customer checks.
• Perform and take decision for complex KYB onboarding cases including high-risk jurisdictions, complex legal forms and multi-layered UBO structures across all jurisdictions.
• Conduct and own EDD investigations for high-risk B2B and B2C clients; make documented risk-based decisions.
• Execute complex and EDD-triggered Periodic Reviews; take decision for these cases; prepare escalation documentation for MLRO where required.
• Provide continuous feedback on data, tools and assessments to support ongoing policy, product and procedure improvements.
• Support audit preparation and actively participate in internal and external audits.
• Identify and escape suspicious onboarding patterns, emerging risk trends and cases requiring MLRO involvement.
• Maintain accurate and complete case records in line with documentation standards.