KYC Team Lead, Onboarding at Chipper Cash

What You Will Be Doing

You will work with staff reporting to the CCO, Chief Technology Officer (CTO), Chief Financial Officer (CFO), Chief Operations Officer (COO), Chief Executive Officer (CEO), and approved third party vendors to promote an appropriate risk-based approach. Your mission involves ensuring Chipper Cash is in compliance with regulatory obligations for its KYC/CDD/EDD and using approved tools and processes for customer onboarding, due diligence activities, and escalations (as required) in your work.

Responsibilities include, but are not limited to:

• You will assist the CCO in conducting day-to-day on-boarding activities on personal and business accounts in accordance with policies, procedures, and processes for Chipper Cash’s Business and regulatory obligations:
• You will lead the TI team in identifying key risks in the current client onboarding verification process and recommend strategies for future state design to mitigate AML risks while operationalizing efficiency and reducing account lead time,
• You will lead the T1 team in conducting due diligence (CDD) and initial analysis of enhanced due diligence (EDD) on new and existing customers in the case management system.
• You will lead the team in reviewing identification and other CDD/EDD documents for authenticity, completeness, and accuracy.
• You may gather data from various internal and external sources (from customers, any existing electronic files, etc.) to complete Know-Your-Customer (KYC) and Know-Your-Business (KYB) profiles.
• You perform Sanctions and Politically Exposed Persons (PEP) screening, investigating true positive hits and escalate for further review and approval to management.
• You perform initial Periodic Customer Reviews to ensure timeliness and accuracy of the review.
• You maintain sufficient understanding of products and services to recognize AML/CFT and Sanctions risks.
• You can provide AML/CFT guidance to staff and respond to related customer queries, often on a real-time basis, or escalate those queries, as required.
• You use your subject matter expertise in identification of trends, anomalies and patterns for suspicious activity and red flag indicators in the KYC/CDD/EDD area.
• You may be required to contribute to development of written policies, procedures, and processes aligned with the Group AML Policy to assist in these core duties, as well as designing and delivering on-the-job training related to same.
• You serve as a mentor to other analysts through sharing knowledge, expertise, and problem-solving discussions.
• You will perform any additional risk screening, analysis, and duties, as assigned.
• You work with management to identify professional development goals and opportunities, including on-the-job training/skills enhancement. 

What You Should Have

• Ability to adapt, learn the formal and on-the-job/mentor training to incorporate due diligence processes, systems, and technologies for best practices in client onboarding, CDD/EDD and Case management.
• A minimum of 2 years of experience in financial services or related role(s).
• Minimum 1 year of leading teams, formally or in matrixed, working groups, or project team settings.
• Detail oriented and able to work independently and within dispersed team environment.
• Strong English written, verbal communication and analytical skills required.
• Experience operating effectively across globally diverse businesses and matrixed environments on a variety of compliance issues required.
• Working knowledge and experience with AML/CFT/ Sanctions /Fraud regulations, risks, and typologies.
• Knowledge of mobile money ecosystem. Working knowledge of e-money, and regulations applicable to mobile and internet-based payment systems and related regulations and requirements preferred.
• Bachelor’s degree required; advanced degree/certifications preferred.
• Be a self-driven, self-starter. We’re a dedicated, hardworking team collectively motivated by our mission and vision.
• Have a global mindset. Even at our small size, we have a team that represents 10+ countries, and our global footprint of customers will continue to grow.