Role Overview:

As an 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 (High-End & Complex Clients):

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.

Onboarding Specialist

Job Description