KYC/FinCrime Onboarding Specialist | WFH | Mid Shift | Weekends Off | Day 1 HMO

Stop Financial Crime Before It Enters Digital Banking

Our client is a fully licensed UK digital bank transforming everyday banking through secure, intuitive technology and customer-focused financial services. They offer current accounts, savings, personal loans, payment solutions, and money management tools that help customers manage their finances with greater clarity and control. Combining modern fintech innovation with regulated banking standards, they prioritize financial security, transparency, fraud prevention, and responsible banking while creating simpler, safer, and more rewarding digital banking experiences for customers.

About the Role

Protecting digital banking starts before an account is approved. As a KYC/FinCrime Onboarding Specialist, you'll safeguard the UK digital banking industry through KYC, AML, due diligence, risk assessment, and fraud prevention. Strengthen your financial crime expertise, gain international exposure, and take your global career further with Emapta without leaving the Philippines.

Your Career at a Glance

• Employment Type: Full-time
• Shift: Mid Shift (9:00 AM-5:00 PM UK Time), Weekends Off
• Work Setup: Work From Home

Exciting Perks Await!

• Day 1 HMO coverage with free dependent
• Competitive Salary Package
• Permanent WFH arrangement
• Fixed weekends off
• Salary Advance Program through our banking partner (Eligibility and approval subject to bank assessment. Available to account holders with minimum of 6 months company tenure.)
• Unlimited upskilling through Emapta Academy courses (Want to know more? Visit: https://emapta.com/training-calendar/)
• Free 24/7 access to our office gyms (Ortigas and Makati) with a free physical fitness trainer!
• Exclusive Emapta Lifestyle perks (hotel and restaurant discounts, and more!)
• Unlimited opportunities for employee referral incentives across the organization
• Standard government and Emapta benefits
• Total of 20 annual leaves to be used on your own discretion (including 5 credits convertible to cash)
• Fun engagement activities for employees
• Mentorship and exposure to global leaders and teams
• Career growth opportunities
• Diverse and supportive work environment

The Qualifications We Seek

Experience & Product Knowledge

• More than 3 years of relevant experience in KYC, financial crime, customer onboarding, customer service, or a related field
• Comprehensive product knowledge, with the ability to explain complex information, address specific customer concerns, and tailor responses to individual needs
• Commitment to continuous learning to stay current with products, services, regulations, and industry developments

KYC, Compliance & Financial Crime

• Strong knowledge of KYC, Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and financial crime controls
• Ability to apply KYC, CDD, and EDD principles across diverse and complex customer scenarios
• Ability to identify, assess, mitigate, and manage a broad range of financial crime risks
• Strong regulatory awareness, with the ability to stay current with evolving requirements and apply them consistently to customer service activities and communications
• Ability to conduct comprehensive CDD, EDD, and periodic screening reviews and independently assess associated risks
• Ability to guide junior team members and contribute to knowledge sharing and financial crime risk mitigation strategies

Processes, Platforms & Systems

• Ability to follow established customer service and compliance processes and recommend improvements that strengthen efficiency and effectiveness
• Proficiency in a range of platforms and systems, with the ability to manage moderately complex tasks independently
• Ability to troubleshoot and resolve common system issues effectively
• Ability to identify and contribute to process improvements across onboarding, screening, and financial crime operations

Time & Workload Management

• Ability to adhere consistently to work schedules and planned tasks
• Ability to prioritize and allocate time effectively across customer inquiries and operational responsibilities
• Strong ability to manage competing priorities while maintaining quality, accuracy, and productivity

Your Daily Tasks

ThreatMetrix Onboarding Reviews

• Use the financial crime review tool to assess new account applications using expanded customer and risk data.
• Leverage consortium intelligence to identify and reject known mule accounts.
• Develop expertise in the onboarding review system to help reduce mule account risks and financial losses.

Financial Crime Operations Support

• Expand onboarding capabilities to support the Detection and Fraud teams.
• Review personal monitoring and transaction monitoring alerts with support from the Detection team to help reduce outstanding cases.
• Develop knowledge of core financial crime theory, typologies, and systems through training.
• Support investigations of authorised push payment fraud and card fraud claims, as required.

Risk Assessment

• Conduct thorough risk assessments of new personal account applications.
• Evaluate applications against KYC, AML, regulatory, and internal policy requirements.
• Identify and mitigate potential financial crime risks associated with new customer onboarding.

Documentation & Due Diligence

• Verify the accuracy, authenticity, and completeness of customer information and documentation during onboarding.
• Apply appropriate customer due diligence controls based on identified risk factors.
• Maintain accurate review records and supporting documentation in accordance with compliance requirements.

Cross-Reference Checks

• Use internal and external information sources to validate customer documentation and application details.
• Apply specialist verification tools, including CIFAS, to support informed risk decisions.

High-Risk Identification

• Identify and manage high-risk account applications.
• Review cases involving Politically Exposed Persons (PEPs), sanctions matches, and other elevated risk indicators.
• Escalate or mitigate identified risks in accordance with regulatory standards and internal policies.

Trend Analysis

• Monitor and analyze customer application trends, risk indicators, and emerging patterns.
• Identify and report suspicious activities, anomalies, and inconsistencies.
• Use findings to strengthen onboarding controls and financial crime prevention.

Compliance & Reporting

• Maintain current knowledge of regulatory changes, KYC requirements, AML standards, and financial crime controls.
• Apply regulatory requirements consistently across customer onboarding and financial crime reviews.
• Contribute to improvements in onboarding processes, compliance controls, and risk management practices.

Financial Crime Responsibilities

• Support the Detection and Fraud teams through personal and transaction monitoring alert reviews.
• Help reduce the backlog of financial crime alerts through accurate and timely case reviews.
• Investigate inbound authorized push payment fraud and card fraud claims.
• Document findings clearly and support appropriate risk mitigation and escalation decisions.

Join the Top 1% Talent. A Better Career. A Better Life.

Welcome to Emapta Philippines, where high-performing professionals build long-term global careers with leading international companies. Recognized as one of HR Asia's Best Companies to Work For in Asia 2025 and winner of Inspiring Workplaces Australasia 2026, Emapta delivers a workplace defined by stability, growth, and purpose. Here, your career moves forward with meaningful opportunities, world-class support, and a culture built for excellence.

Apply now and be part of the #EmaptaEra.