Client Onboarding Specialist

As a Client Onboarding Specialist, you will be responsible for managing the onboarding and periodic review of our most complex and high-value clients. You will act as a subject matter expert in KYC/CDD processes and AML risk evaluation, playing a pivotal role in ensuring compliance with regulatory expectations and internal policies. You will also serve as a mentor and trainer for junior team members, supporting their development and ensuring a consistent and high-quality approach across the team.

Key Responsibilities:

Client Onboarding & Review:

• Lead onboarding and periodic reviews for low to high-risk, high-value, or complex corporate clients.
• Conduct in-depth due diligence, risk assessments, and EDD on complex customer structures, including trusts, layered ownership, and international entities.
• Lead calls and interviews with prospective and existing clients to gather intelligence and form a well-rounded customer risk profile.
• Review and assess KYC documentation for accuracy, completeness, and regulatory compliance.
• Evaluate client transaction patterns and behavior against expected activity and risk profile.
• Ensure full compliance with the company’s AML/CFT policies and procedures.
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Risk Management & Escalation:

• Identify and escalate red flags or unusual activity promptly to the MLRO in line with internal escalation procedures.
• Participate in internal case discussions and support decision-making with sound risk-based judgment.
• Assist in the refinement and implementation of onboarding and review policies and procedures.

Team Training & Support:

• Act as a mentor and trainer for new joiners and junior members of the team, supporting their technical knowledge and development.
• Deliver structured training sessions on onboarding, KYC, risk scoring, and client communication.
• Provide ongoing guidance and feedback to ensure consistent quality across the team’s output.

Collaboration & Communication:

• Liaise professionally with clients, CSPs, and internal stakeholders to collect documentation and resolve queries efficiently.
• Work in close collaboration with the CRM, transaction monitoring, and AML teams to ensure alignment in customer risk handling.
• Represent the team in internal meetings or external audits and regulatory inspections, as required.

Continuous Improvement:

• Stay updated on regulatory changes, FATF guidelines, and industry best practices.
• Recommend improvements to existing workflows, tools, and procedures to enhance efficiency and compliance.
• Contribute to the enhancement of internal knowledge bases and SOPs.

Requirements:

• Minimum 3–4 years of experience in client onboarding, customer review, or AML within a financial institution or payment service provider.
• Strong understanding of AML/CFT obligations, KYC requirements, and customer risk management.
• Proven experience handling high-risk or complex customers and corporate structures.
• Excellent communication and interpersonal skills, both written and verbal.
• Ability to coach, mentor, and guide junior colleagues effectively.
• Proficiency in English; other languages are considered an asset.
• Strong attention to detail and problem-solving skills.