Senior Onboarding & KYB/EDD Risk Specialist

ZEN.COM; Kraków; On-site; PLN 180,000 - 260,000; Full time

Benefits offered by this job

Private medical healthcare

Internal training opportunities

External training opportunities

Job summary

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.

Responsibilities

• 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.

Skills

AML/KYC/KYB

Risk assessment

Analytical skills

Mentoring

Job description

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.