Mellifera Kartiera Limited is seeking KYC Specialist to join our KYC and Onboarding team. As part of a dynamic team, these individuals will be responsible for managing customer onboarding and conducting ongoing due diligence. The KYC Specialists will play a crucial role in verifying customer identities, assessing risks, and ensuring that all customer data complies with regulatory standards.
The ideal candidates will have a strong understanding of Know Your Customer (KYC) processes, customer risk assessments, and regulatory compliance. You will assist the Money Laundering Reporting Officer (MLRO) in maintaining high standards of customer onboarding, identifying potential red flags, and escalating cases for further investigation as necessary.
Key Responsibilities: Customer Verification and Due Diligence:Perform initial and ongoing customer risk assessments, ensuring all data meets the regulatory standards.Conduct KYC checks for new and existing clients, including identity verification, background checks, and financial suitability assessments.Ensure all customer data is accurate, complete, and in compliance with regulatory requirements.CRA and Document Validation:Review and validate Customer Risk Assessments (CRA) using both automated tools and manual checks.Ensure that CRA data is accurate and up-to-date, reflecting the customer's risk profile.Monitor and validate all supporting documents submitted by customers, ensuring they meet legal and regulatory requirements.Enhanced Due Diligence (EDD) Assistance:Assist the MLRO with Enhanced Due Diligence (EDD) processes for high-risk customers.Gather and document additional customer information as required for EDD, including conducting research into complex or high-risk cases.Maintain a clear and accurate record of all EDD activities and ensure that escalations are properly documented.Ongoing Monitoring:Continuously monitor customer accounts for unusual or suspicious activities, updating risk assessments accordingly.Ensure all due diligence is kept current, performing periodic reviews on existing customers as required.Skills and Qualifications: Experience with fintech, EMI, or banking industries is required.3-5 years of experience in KYC, onboarding, or related compliance functions.Strong understanding of customer risk assessments and KYC requirements.Ability to conduct both automated and manual checks for customer verification and risk assessment.Experience in performing Enhanced Due Diligence (EDD) on high-risk clients.Attention to detail and strong analytical skills.Excellent written and verbal communication skills.Ability to work independently and as part of a team.Proficiency in risk management tools and software.Knowledge of financial services, banking, or regulated industries is a plus.Education & Certifications: Bachelor's degree in Business, Finance, Law, or a related field (preferred).Professional certifications in KYC or related fields (e.g., ICA certifications) are a plus.Why Join Us? Medical insurance for employees, providing peace of mind and well-being.Career and personal development opportunities supported by the employer to help you grow in your role and throughout your career.Be part of a highly skilled and collaborative team.Work in a fast-paced, dynamic environment with opportunities for professional growth.Contribute directly to maintaining the integrity and reputation of the company through high standards of customer onboarding and compliance.Additional Information: Salary: 35,000 - 40,000 EUR gross annually.The person should be located in Malta.
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