Payreto

Modular financial outsourcing with PCI compliance

KYC Analyst

Financial Crime & AMLConfirmed live in the last 24 hours

Full-timeMakati, Metro Manila, PhilippinesNo salary listed

About the Job

Requirements

Basic understanding of KYC and anti-money laundering concepts, acquired academically or through training.
Understanding of anti-money laundering 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 and 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.

Responsibilities

Initiate KYC requests through Sumsub and monitor customer submissions.
Manually review KYC documents when automated checks are unsuccessful or flagged, verifying authenticity, image quality, tampering indicators, customer details, selfie/liveness checks, and proof-of-address validity and completeness.
Conduct anti-money-laundering screening reviews and assess potential matches as true or false positives.
Identify fraud signals, including duplicate documents, anomalies, and repeated attempts.
Conduct enhanced due diligence on high-risk customers, including collecting additional documents and performing risk assessments.
Request proof of payment methods, including bank cards, bank accounts, and e-wallets, and review documents to confirm ownership and consistency with user profiles.
Document, justify, and escalate non-standard cases, high-risk scenarios, and exceptional decisions in line with compliance and risk-management protocols.
Record and justify non-standard decisions, including force approvals or overrides, exception handling, anti-money-laundering true positives, and payment-method ownership concerns.
Document the rationale for each decision with supporting evidence and risk assessment.
Maintain audit trails with case notes, escalation records, responses, and final outcomes.
Align actions with internal policies, regulatory requirements, and client-specific guidelines to support transparency, traceability, and audit readiness.
Manage records in Sumsub and internal storage systems, following file-naming, organization, and documentation standards.
Answer incoming calls and inquiries from card issuer customers and resolve inquiries within the appropriate timeframe.
Remain available and monitor potential call volumes.
Coordinate with stakeholders to request additional documents or information and provide updates on player verification status.
Communicate clearly and professionally in all cases.
Escalate high-risk cases to Risk Management, Compliance, or the KYC Team, including potential anti-money-laundering matches, fraud indicators, and complex or ambiguous cases requiring further review.
Conduct in-depth gameplay and behavioral reviews to identify player risk indicators across the customer lifecycle.
Review high-value players as part of VIP monitoring to assess whether activity is consistent with expected behavior and risk profile.
Analyze gameplay patterns in fraud investigations to detect collusion, multi-accounting, or abnormal betting behavior.
Identify unusual player behavior, including sudden changes in betting patterns, frequency, or transaction behavior.
Conduct targeted gameplay reviews during withdrawal requests to validate the legitimacy of winnings and identify bonus abuse or irregular patterns.
Assess whether gameplay aligns with historical behavior, transaction patterns, applicable bonus terms, and conditions.
Document gameplay findings and escalate suspicious or high-risk behavior.
Assist with other ad hoc topics and projects assigned by the immediate supervisor.
Recommend and proactively 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 Operations Associate (KYC Analyst and Customer Support) 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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