Due Diligence Specialist - KYC/KYB

WHAT WE OFFER

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

POSITION OVERVIEW
The Due Diligence Specialist will support AML, KYC, and KYB operations, ensuring compliance with regulatory requirements and internal standards. This role requires data analysis, investigation, and research skills to deliver due diligence services aligned with strict client protocols. The specialist will manage and create onboarding processes, provide hands-on case management, and contribute to team efficiency and knowledge development. This role entails direct client support and engagement in multiple tasks beyond standard operations.

Scope of the Role
The Due Diligence Specialist (KYC/KYB) is responsible for comprehensive AML, KYC, and KYB operations, covering identity verification, risk assessment, compliance program support, and client engagement. This role includes contributing to the design and maintenance of compliance processes, participating in knowledge management, and handling tasks beyond standard operational duties to ensure clients meet regulatory requirements effectively. The specialist is expected to work on a variety of AML/KYC/KYB-related projects and collaborate with internal and client teams to maintain the highest standards of due diligence

WHAT WILL YOU DO?
End-to-End Due Diligence Ownership

• Takes ownership of complex due diligence cases and high-risk merchant applications for Payreto clients, serving as a subject matter expert.
• Oversees and refines end-to-end Know Your Customer (KYC) and Know Your Business (KYB) onboarding workflows within the Onboarding as a Service (OaaS) framework.
• Acts as a technical point of escalation for complex client inquiries, providing recommendations and advice.
• Leads the ongoing review, development, and standardization of standard operating procedures (SOPs) and process guides in alignment with client requirements.
• Proactively identifies risk trends, application gaps, and documentation discrepancies, recommending mitigation strategies and swift resolutions.

Advanced KYC/KYB Analysis & Investigation

• Directs complex background investigations, analyzing corporate structures, Ultimate Beneficial Owners (UBOs), transactional profiles, and legal documentation.
• Evaluates document validity, integrity, and regulatory compliance to safeguard the onboarding pipeline against fraud and misrepresentation.
• Performs high-level screening and deep-dive investigations into Politically Exposed Persons (PEPs), Sanctions, Watchlists, and Adverse Media.
• Leverages public registries, specialized intelligence tools, and financial disclosures to build detailed risk profiles and achieve enhanced identity assurance.
• Executes and leads Enhanced Due Diligence (EDD) protocols when identifying material changes in ownership, line of business, or high-risk business activities.
• Partners independently with internal leadership and client stakeholders to prioritize critical workloads and resolve highly ambiguous compliance edge cases.
• Serves as a trusted counterpart to executive stakeholders including Heads of AML, Compliance Officers, and Audit Managers on strategic compliance matters.
• Spearheads process improvement initiatives to optimize verification accuracy, cut cycle times, and improve team productivity
• Demonstrates agility by effectively managing multi-account portfolios across various client industries within the Payreto operational framework.

Strategic Client Engagement & Partnership

• Actively engages client representatives and operations managers to provide seasoned guidance, and align outsourced services with client goals.
• Represents Payreto in client-facing account management calls, performance reviews, and calibration sessions, presenting operational insights and trends.
• Fosters client relationships by advocating proactive communication and transparency.

Reporting, Insights & Operational Governance

• Prepares structured leadership reports by consolidating key meeting takeaways, team performance metrics, capacity forecasts, and operational risk insights for senior management.
• Ensures accurate, high-quality, and timely delivery of compliance solutions tailored to specific client needs and evolving regulatory frameworks.
• Provides transparent and regular reporting on account performance, operational risks, and growth opportunities to assigned Account Managers and Team Leaders.

Additional Duties

• Performs other official work as instructed by the immediate supervisor/manager.
• Recommends and proactively implements opportunities for increased departmental efficiency.
• Extends work hours when needed.
• Maintains quality service by monitoring standards and/or advising Account Managers and Team leads of potential problems.

WHAT SHOULD YOU HAVE?

• Has completed at least 2 years of college in any course
• Above average English verbal and written communication skills.
• Has at least 1-year experience in Compliance supporting an international client.
• Well - versed with different Microsoft Office Tools or equivalent Google Suite tools, specifically Microsoft Excel and/or Google Sheets.
• Detail-oriented and must have strong cognitive, comprehension, and strong analytical skills.
• Self-starter, driven, eager to learn and is able to work independently in a fast-paced environment.
• Demonstrates ownership and accountability (can be seen by others as reliable).
• Ability to work independently with minimal supervision
• Ability to work well under pressure with a high degree of accuracy.
• Has initiative and must be flexible to adjust to the work environment and business needs.
• Should have no serious disciplinary sanction in previous employment.
• Priority will be given to candidates who have their respective NBI clearances ready