Onboarding Officer

Role Overview: 

As an Onboarding Officer, you will be responsible for managing the onboarding and periodic review of our  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 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. 

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 2–3 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.