Onboarding & ODD Senior Specialist (Poland/Remote) home_work

ZEN; Polska; Hybrid; PLN 140.000 - 210.000; Vollzeit

Benefits dieser Stelle

Private medical healthcare

Training opportunities

Influence shaping product

Zusammenfassung

ZEN.COM is seeking an Onboarding & ODD Senior Specialist to join our Complex KYB & Ecomm Team—handling complex KYB, KYC, EDD and ecommerce underwriting cases. You will make risk-based decisions and mentor other Specialists while improving AML/KYC/KYB processes.

You will work in a remote role based in Poland, with opportunities to influence policy and participate in audits, with a focus on high-risk jurisdictions and structures.

Qualifikationen

• 3+ years in AML/KYC/KYB with hands-on complex KYB, EDD and ecommerce underwriting.
• Experience analyzing high‑risk jurisdictions or industries.
• Ability to work with ambiguity and exercise sound judgment.

Aufgaben

• Perform and take decisions for ecommerce underwriting of complex merchants, including financials and payment method evaluation.
• Carry out post-account-opening B2B/ecommerce data verification and ongoing customer checks.
• Handle KYB onboarding cases across jurisdictions with high-risk structures.
• Conduct EDD investigations for high-risk B2B and B2C clients and document risk decisions.
• Lead Periodic Reviews triggered by EDD; prepare escalation docs for MLRO when needed.
• Provide feedback to improve data, tools, policies and procedures.
• Support audit preparations and participate in internal and external audits.
• Identify suspicious onboarding patterns and emerging risk trends for MLRO involvement.
• Maintain accurate case records per documentation standards.

Kenntnisse

AML/KYC/KYB

EDD

KYB onboarding

E-commerce underwriting

Risk assessment

Jobbeschreibung

Onboarding & ODD Senior Specialist (Poland/Remote)

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.

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.
• Comfort with ambiguity; analytical patience.
• We would appreciate it if you could share your Gallup test or similar assessment results, if available.

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 elevate suspicious onboarding patterns, emerging risk trends and cases requiring MLRO involvement.
• Maintain accurate and complete case records in line with documentation standards.

What we offer:

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