Senior Onboarding Specialist

JD for Senior Onboarding:Conduct comprehensive KYC/CDD assessments for customers, merchants, business entities, and partners as part of the onboarding process.Assess customer and merchant risk based on geography, business activity, transaction profile, ownership, customer type, and other relevant risk factors.Identify recurring onboarding issues, control gaps, and process inefficiencies and recommend appropriate enhancements to strengthen the onboarding and AML/KYC framework.Review and validate customer identification, business documentation, ownership structures, UBO details, Source of Funds (SOF), and Source of Wealth (SOW), where applicable.Escalate identified AML, sanctions, financial crime, or regulatory concerns to the appropriate Compliance head/MLRO team for further review.Perform PEP, Sanctions, Adverse Media, and Watchlist screening and appropriately assess and disposition potential matches.Identify and evaluate AML, sanctions, fraud, and other financial crime risks associated with customers, merchants, and business relationships.Conduct Enhanced Due Diligence (EDD) for high-risk customers, entities, jurisdictions, products, and business relationships.Analyze complex corporate structures and establish Ultimate Beneficial Ownership (UBO) in accordance with applicable regulatory and internal requirements.Investigate inconsistencies, incomplete information, unusual documentation, and other onboarding red flags, ensuring appropriate resolution or escalation.Raise and manage Requests for Information (RFI/RFE) and coordinate with relevant stakeholders to obtain required information and supporting documentation.Provide clear onboarding recommendations and risk-based decisions in line with internal policies, procedures, and the organisation's risk appetite.Maintain comprehensive case records, review rationale, supporting documentation, and audit trails to ensure audit and regulatory readiness.Ensure onboarding cases are reviewed and completed within defined TAT/SLA requirements while maintaining quality and regulatory standards.Support periodic KYC refresh, ongoing due diligence, and customer risk reviews based on applicable triggers and review cycles.Support regulatory examinations, internal audits, quality assurance reviews, compliance testing, and remediation activities.Keep abreast of applicable AML/KYC regulations, FATF guidance, sanctions requirements, regulatory developments, and industry best practices, and assess their impact on onboarding processes.