Onboarding Specialist

As an Onboarding Specialist, you will manage the onboarding and periodic review of both complex, high-value clients and standard corporate and retail customers. You will act as a subject matter expert in KYC/CDD processes and AML risk evaluation, ensuring full compliance with regulatory requirements and internal policies.

In addition to handling complex cases, you will support day-to-day onboarding operations, contribute to team development, and help maintain a consistent, high-quality client experience across all onboarding activities.

Key Responsibilities

Client Onboarding & Review

• Lead onboarding and periodic reviews for high-risk, high-value, and complex corporate clients
• Perform due diligence checks on prospective corporate and retail customers
• Conduct enhanced due diligence (EDD) on complex structures, including trusts, layered ownership, and international entities
• Review KYC documentation for accuracy, completeness, and regulatory compliance
• Prepare and document customer risk profiles and assessments
• Evaluate client transaction patterns against expected activity and risk profile
• Conduct client calls, interviews, and outreach to gather relevant onboarding information
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Risk Management & Escalation

• Identify and escalate red flags or unusual activity to the MLRO in line with internal procedures
• Support internal case reviews and provide risk-based recommendations
• Ensure adherence to AML/CFT policies and regulatory requirements

Client Communication & Operations

• Liaise with clients, CSPs, and internal stakeholders via email, telephone, and live chat
• Manage client queries efficiently and professionally
• Support onboarding operations, including live chat coverage on a roster basis
• Prepare reports related to customer onboarding and risk assessments

Team Support & Training

• Act as a mentor and provide guidance to junior team members
• Support knowledge sharing on KYC, onboarding processes, and risk evaluation
• Contribute to maintaining consistent quality across team outputs

Collaboration & Continuous Improvement

• Work closely with CRM, transaction monitoring, and AML teams
• Assist in improving onboarding workflows, tools, and procedures
• Stay up to date with regulatory developments and industry best practices
• Contribute to internal documentation, SOPs, and knowledge base updates

Ad Hoc Duties

• Perform additional tasks as required to support business needs

Requirements

• 2-3+ years of experience in client onboarding, KYC, AML, or customer due diligence within a financial institution, fintech, or payment service provider
• Diploma or degree in Finance, Management, Operations, or a related field
• Strong understanding of AML/CFT regulations, KYC requirements, and risk assessment
• Experience handling both standard and complex customer structures is preferred
• Excellent written and verbal communication skills in English (additional languages are an asset)
• Strong attention to detail and ability to meet strict deadlines
• Ability to work both independently and as part of a team
• Mentoring or coaching experience is considered an advantage
• Knowledge of the fintech and payments industry is desirable