Payreto

Modular financial outsourcing with PCI compliance

KYC/AML Operations Associate

Financial Crime & AMLConfirmed live in the last 24 hours

Full-timeMakati, Metro Manila, PhilippinesNo salary listed

About the Job

Requirements

Be open to fresh graduates.
Have a basic understanding of KYC/AML concepts through academic study or training.
Understand AML screening and fraud indicators.
Have strong written and verbal communication skills.
Have strong attention to detail and willingness to learn.
Be able to align with business goals and objectives.
Have analytical, investigative, critical-thinking, and decision-making skills in a compliance environment.
Maintain a professional mindset and perform accurate, risk-based assessments in a fast-paced environment.
Demonstrate integrity and confidentiality.
Follow procedures and apply judgment in ambiguous cases.
Manage time effectively and meet deadlines.

Responsibilities

Initiate KYC requests through Sumsub and monitor customer submissions.
Manually review KYC documents when automated checks fail or flag cases for further verification, including checking authenticity, image quality, tampering indicators, customer details, selfie and liveness checks, and proof of address.
Conduct AML screening reviews and assess potential matches as true or false positives.
Identify fraud signals such as duplicate documents, anomalies, or repeated attempts.
Conduct enhanced due diligence on high-risk customers, including collecting additional documents and assessing risk.
Request proof of payment methods, including bank cards, bank accounts, and e-wallets.
Review payment-method documents to confirm ownership and consistency with the user profile.
Document, justify, and escalate non-standard cases, high-risk scenarios, exceptional decisions, force approvals or overrides, exception handling, AML true positives, and payment-method ownership concerns in accordance with internal compliance and risk-management protocols.
Support decision rationales with evidence and risk assessments; maintain detailed case notes, escalation records, responses, final outcomes, and a comprehensive audit trail.
Align actions with internal policies, regulatory requirements, and client-specific guidelines; maintain transparency, traceability, and audit readiness.
Manage records in Sumsub and internal storage systems, using proper file naming, organization, and documentation standards.
Answer incoming calls and inquiries from card issuer customers, monitor potential call volumes, and resolve inquiries within the appropriate timeframe.
Coordinate with stakeholders to request additional documents or information and provide updates on player verification status.
Communicate clearly and professionally and escalate high-risk or complex cases, including potential AML matches, fraud indicators, and ambiguous cases requiring further review.
Conduct gameplay and behavioral reviews across the customer lifecycle to identify risk indicators.
Review high-value players for consistency with expected behavior and risk profiles; analyze gameplay patterns for potential collusion, multi-accounting, abnormal betting behavior, and other fraud schemes.
Identify deviations from normal player behavior, including changes in betting patterns, frequency, or transaction behavior.
Review gameplay during withdrawal requests to validate winnings and identify bonus abuse, irregular betting strategies, promotional-mechanic abuse, or coordinated activity.
Assess gameplay against historical behavior, deposit and withdrawal patterns, and applicable bonus terms and conditions; document findings and escalate suspicious or high-risk behavior.
Assist with ad hoc topics and projects assigned by the immediate supervisor.
Recommend and implement opportunities to increase departmental efficiency.
Extend work hours when needed.

WHAT WE OFFER

Competitive Salary Packages
Professional Development Opportunities
Hybrid Work Setup
Equipment Provided
Day 1 HMO
Life Insurance

Position Overview
We are seeking a Project-Based KYC/AML Operations Associate to support onboarding, verification, and ongoing due diligence processes, as well as answering calls / inquiries from clients’ customers. The role involves manual review of customer data, ensuring compliance with KYC/AML requirements while identifying potential fraud and risk indicators. The associate will work closely with the OaaS team, as well as client internal risk and compliance teams, utilizing platforms such as Sumsub and internal CRM systems, and will be responsible for delivering accurate, timely, and well-documented decisions.

WHAT WOULD YOU DO?
KYC Initiation & Document Review

Initiate KYC requests via Sumsub and monitor customer submissions.
Perform manual review of KYC documents in cases where automated checks are unsuccessful or flagged for further verification, including:
- Verification of authenticity, image quality, and tampering indicators.
- Validation of customer details (name, DOB, document number, expiry).
- Assessment of selfie/liveness checks (face match, spoofing indicators).
- Review of Proof of Address (POA) for validity and completeness.
Conduct AML screening reviews and assess potential matches (true vs false positives).
Identify fraud signals such as duplicate documents, anomalies, or repeated attempts.
Conduct enhanced due diligence (EDD) on high-risk customers, including additional document collection and risk assessment.

Payment Method Verification

Request proof of payment methods (bank cards, bank accounts, e-wallets)
Review submitted documents to confirm ownership and consistency with the user profile

Case Documentation & Record Management

Ensure all non-standard cases, high-risk scenarios, and exceptional decisions are properly documented, justified, and escalated in line with internal compliance and risk management protocols.
Document and justify non-standard decisions, including:
- Force approvals or overrides
- Exception handling (e.g., incomplete documents accepted with justification)
- AML true positives or payment method ownership concerns
Clearly outline the rationale behind each decision, supported by evidence and risk assessment
Maintain a comprehensive audit trail, including:
- Detailed internal notes for each case
- Records of escalations, responses, and final outcomes
Ensure all actions are aligned with internal policies, regulatory requirements, and client-specific guidelines, supporting transparency, traceability, and audit readiness
Manage records within Sumsub and internal storage systems
Ensure proper file naming, organization, and documentation standards

Customer Support / Communication & Escalations Handling

Answer incoming calls / inquiries from card issuer’s customers, etc.
- Be on standby and monitor potential call volumes
- Resolve the inquiries within the appropriate time frame.
Coordinate with stakeholders to:
- Request additional documents or information
- Provide updates on player verification status
Ensure clear and professional communication in all cases.
Escalate high-risk cases to the appropriate teams (e.g., Risk Management, Compliance, KYC Team), including:
- Potential AML matches (sanctions, PEP, adverse media)
- Fraud indicators (e.g., document duplication, account linkage, suspicious transaction patterns)
- Complex or ambiguous cases requiring further review

Gameplay & Behavioral Analysis

Conduct in-depth gameplay and behavioral reviews to assess player activity and identify potential risk indicators across the customer lifecycle.
Perform general gameplay analysis for:
- VIP monitoring – Review high-value players to ensure their activity is consistent with expected behavior and risk profile
- Fraud investigations – Analyze gameplay patterns to detect potential fraud schemes, including collusion, multi-accounting, or abnormal betting behavior
- Unusual player behavior – Identify deviations from normal activity, such as sudden changes in betting patterns, frequency, or transaction behavior
Conduct targeted gameplay reviews during withdrawal requests to:
- Validate the legitimacy of winnings by ensuring outcomes are consistent with actual gameplay and not artificially generated
- Identify bonus abuse or irregular patterns, such as low-risk betting strategies, abuse of promotional mechanics, or coordinated activity
Assess whether gameplay aligns with:
- The player’s historical behavior
- Transaction patterns (deposits and withdrawals)
- Applicable bonus terms and conditions
- Document findings clearly and escalate cases where suspicious or high-risk behavior is identified

Other Tasks

Assist in other ad hoc topics and projects as assigned by the immediate supervisor
Recommend and proactively implement opportunities for increased departmental efficiency
Extend work hours when needed.

WHAT SHOULD YOU HAVE?

Open to fresh graduates
Basic understanding of KYC/AML concepts (academic or training-based)
Understanding of AML screening and fraud indicators
Strong written and verbal communication skills
Strong attention to detail and willingness to learn
Ability to align with business goals and objectives
Strong analytical, investigative, critical thinking, and decision-making skills in a compliance environment
Professional mindset with the ability to perform accurate, risk-based assessments in a fast-paced environment
Strong sense of integrity and confidentiality
Ability to follow procedures and apply judgment in ambiguous cases
Good time management and ability to meet deadlines

SHIFT SCHEDULE

3PM - 12AM (GMT+8)
Hybrid set-up

About the Company

Payreto

Modular financial outsourcing with PCI compliance

Payreto provides modular financial process outsourcing with PCI Level 1 security, offering customizable outsourcing of individual workflows or whole processes. It works by clients delegating processes to Payreto’s globally experienced staff, delivered in a PCI-compliant environment with 24/7 support and white-label branding. It differentiates itself through white-label capabilities, round-the-clock global support, and scalable, modular solutions. Its goal is to help financial organizations grow and scale securely while preserving brand and giving actionable operational insights through regular reporting.

Company size: 51-200
Company stage: Not listed
Total funding: Not listed
Headquarters: Makati, Philippines
Founded: 2011

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