CDD Analyst

Allica Bank

About Allica Bank Allica is the UK’s fastest growing company - and the fastest-growing financial technology (Fintech) firm ever. Our purpose is to help established SMEs, one of the last major underserved opportunities in Fintech. Established SMEs are the backbone of local communities - representing over a third of our economy - yet have been largely neglected both by traditional high street banks and modern fintech providers. Department Description Operations in banking like in every other firm is established to carry out all day-to-day transactions of the business. The Operations function within Allica has wide-ranging responsibilities supporting the customers of all product lines (Commercial Mortgages, Asset Finance, Deposits and Payment Account with aligned card activity), alongside our own internal stakeholders. We are particularly focused on the following, ensuring that the bank adheres to all relevant Regulatory requirements and our own internal policies and procedures at all times: • Slick digital account opening, and in life servicing. • Customer contact via telephony, email and in-app communications. • Payment and reconciliation activity. • Treasury operations. • Customer due diligence through Know Your Customer, Know Your Business. • Lending pipeline management. • Quality assurance and control. • Issue resolution. • Effective record keeping and data management. • Support of all change initiatives. Role Description • Undertakes all CDD activity to support the onboarding and ongoing review and validation of both Retail and SME customers to the Bank. • Undertaking EDD (Enhanced Due Diligence) where higher risk ratings are present to ensure the bank is protected from fin crime risk. • Responsible for ensuring and operationalising all required AML activity in conjunction with the 2nd Line Risk and Compliance teams and the MLRO with a particular focus on the management of risk and meeting regulatory requirements, whilst acting at all times in the best interest of customers, employees and other key stakeholders. • Responsible for the day-to-day 1st Line CDD activity validating the quality of decisioning supported by external agencies and undertaking full reviews and making decisions and recommendation on more complex CDD activity which falls outside of system parameters. • Will work closely with colleagues across the operations function (including across sites) and other Bank functions to ensure end-to-end coverage of onboarding, account review and payment processes and with a strong working and collaborative working relationship required with the 2nd Line Risk & Compliance colleagues and the MLRO. Principal Accountabilities • Implement and observe a first-class leading CDD record and review framework, with records accurately maintained and properly catalogued in accordance with the framework and its procedures and requirements. • Implement and observe an AML record and review framework, with records accurately maintained, properly catalogued in accordance with the framework and its procedures and requirements. • Ongoing review of all CDD processes and procedures to assure that key failure points are identified and appropriately flagged. • Develop and implement a CDD reporting dashboard in line with business operational and reporting needs. • Ensure controls and checks are in place and are being actively managed to ensure all activities including the management of exceptions and reconciliations are completed accurately, effectively and in a timely manner, escalating issues and problems to the HOO. • CDD & AML subject matter SME, working closely with all projects delivering change into the Bank to identify to ensure relevant CDD & AML responsibilities are appropriately considered. Personal Attributes & Experience • CDD and AML subject matter expert and practitioner, • Excellent working knowledge of FCA, PRA regulations and JMLSG guidelines. • Able to facilitate, manage and approve CDD and EDD cases within delegated authority, escalating to the MLRO and with records • Able to review CDD records for accuracy, completeness and compliance with AML regulatory compliance including maintaining and updating existing clients • Experience of dealing with a variety of entity types including complex SPVs, charities, trusts and corporates, including SME customers with complex business structures across multi-jurisdictions. • Able to establish final beneficiary ownership within entities, conducting checks such as PEP, sanction and adverse media and maintaining PEP registers • Liaising with internal departments and acting as point of contact for clients to resolve any queries, with experience of working with outsourced and multi-site operations. • Proven experience building and implementing strategies to identify and mitigate CDD and AML risks • Experience of building, implementing and improving the customer experience attaching to the CDD and AML processes. Working at Allica Bank At Allica Bank we want to ensure our employees have the right tools and environment in which to succeed in their role and in support of our customers. Our employees are at the heart of everything we do, so our benefits are designed with you in mind: * Full onboarding support and continued development opportunities * Options for flexible working * Regular social activities * Pension contributions * Discretionary bonus scheme * Private health cover * Life assurance * Family friendly policies including enhanced Maternity & Paternity leave Don’t tick every box? Don’t worry if you don’t have all the skills or requirements listed on the job description. If you think you’ll be a good fit, we’d still love to hear from you! Flexible working We know the ‘9-to-5’ isn’t right for everyone. That’s why Allica Bank is fully committed to flexible and hybrid working. Please let us know what is best for you and, if we can, we will do our best to accommodate. Diversity We’re a diverse bunch here at Allica, with all kinds of experiences, backgrounds and lifestyles. Our openness and differences make us stronger, and we want everybody to feel comfortable bringing as much of themselves to work with them as they like.

Adyen

This is Adyen Adyen provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft - making us the financial technology platform of choice. At Adyen, everything we do is engineered for ambition.  For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster. CDD Risk Analyst, Onboarding We are looking for an CDD Risk Analyst, Onboarding to be part of our APAC CDD team to support our regional growth. You will be based in Singapore working closely with Sales, Account Management, Compliance, Risk, Regulatory and Finance.  In this role you will be responsible for reviewing potential, new and existing merchants from a risk, regulatory and compliance perspective. As a highly regulated company we need to adhere to various rules and regulations and make sure we grow our business with a healthy portfolio of merchants.  As a first line team, we balance compliance with merchant focus and operate in a time-sensitive environment. CDD/ EDD verification, AML risk knowledge, a good understanding of payments setups and a detail-oriented attitude towards producing quality reviews is what characterises the team. What you’ll do  * Conducting due diligence checks via gathering and analyzing the information on new merchant applications  * Produce risk assessments for new and existing merchants based on provided/gathered information  * Investigate and resolve blockers to merchant go live and payouts relating to CDD matters  * Provide advice and assistance to internal stakeholders on CDD matters related to new and existing merchants * Ensuring compliance with evolving CDD/EDD regulations and internal policies * Setup processes, monitor and execute checks related to merchant on-boarding * Evaluate existing procedures to refine and optimize the end to end merchant on-boarding process  Who you are  * You have 2-3 years of prior experience in a risk or compliance related domain  * You are detail-oriented and have a firm understanding of risk mitigation and Internal Controls related to CDD, EDD and AML/ CFT  * You are comfortable navigating an operational work environment involving stakeholder management and taking ownership of merchant onboarding till completion * You have a strong interest in operational processes and are a strong collaborator who is proactive, structured, and able to independently manage multiple work streams; you will also actively seek the answers of what you don’t know * You have good communication and relationship-building skills, and can work cross-functionally across operations, commercial, product and compliance teams, including across global teams * Knowledge of the Payments environment is a plus but not strictly required Our Diversity, Equity and Inclusion commitments  Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you’re from, we welcome you to be your true self at Adyen.  Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Does this sound like you? If so, Adyen encourages you to reconsider and apply. We look forward to your application! What’s next? Ensuring a smooth and enjoyable candidate experience is critical for us. We aim to get back to you regarding your application within 5 business days. Our interview process tends to take about 4 weeks to complete, but may fluctuate depending on the role. Learn more about our hiring process here. Don’t be afraid to let us know if you need more flexibility.   This role is based out of our Singapore office. We are an office-first company and value in-person collaboration; we do not offer remote-only roles.

Adyen

This is Adyen We took an unobvious approach to starting a payments company, building a platform from scratch. Today, we're the payments platform of choice for the world's brightest companies. Our unobvious approach is a product of our diverse perspectives. This diversity, of backgrounds, cultures, and perspectives, is essential in helping us maintain our momentum. Our business challenges are unique, we need as many different voices as possible to join us in solving them - voices like yours. So no matter where you’re from, who you love, or what you believe in, we welcome you to be your true self at Adyen. CDD Risk Analyst APAC Our Customer Risk Review team is looking for a hands-on analyst with experience in the payments and/or finance industry. You will be working with a wide range of teams within Adyen, including commercial, compliance, and product to ensure that our KYC (Know-Your-Customer) documents are up-to-date whilst remaining compliant. You will contribute to the practice of enhanced due diligence, anti-fraud and anti-money laundering whilst driving change and projects. The job doesn’t stop there as you will also be responsible for projects to improve operational scalability that impact our day-to-day work. Operating with a hands-on mindset, you will independently manage intricate customer due diligence cases while serving as a catalyst for efficiency. You will assist in refining our standard operating procedures, mentor colleagues, and utilize data insights to automate and enhance our daily operational workflows. What you will do * Perform periodic review of customer files in accordance with internal KYC/CDD requirements. * Monitor KYC, CDD and EDD procedures to ensure our customers’ compliance. * Collect and analyze customer information on a periodic basis whilst documenting material changes to their organizational structures, legal entity(ies) and policies. * Drive process improvements and automation on our workflow procedures. * Engage, drive and lead projects along with your colleagues on compliance, tech or commercial oriented focus areas. * Guide customers along the periodic review process, ensuring that issues and challenges are addressed efficiently. * Align with global teams to ensure consistency in requirements and customer experience. * Autonomously manage high-complexity casework while proactively updating SOPs and documentation to ensure a "First-Time-Right" quality benchmark and minimize rework. * Collaborate with seniors and cross-functional teams to identify tooling gaps, contribute data insights for automation, and support the testing of solutions that reduce manual effort without increasing risk. Who you are * Operationally oriented with an eagerness to pick up and drive projects with our cross functional teams. * Problem solver with ability to pick up things quickly. * 3-5 years’ experience in Customer Due Diligence/Enhanced Due Diligence/KYC. * Solid understanding of AML/CFT, CDD and EDD concepts. * Extensive experience in conducting CDD and EDD screening. * Project owner with an ability to prioritize tasks based on business needs. * Capable of conducting meetings, leading project discussions, delivering presentations and interacting with stakeholders of different seniority and discipline.  * You enjoy working with people from different cultures and backgrounds. * A structured thinker able to navigate ambiguity and commercial pushback, balancing regulatory rigor with operational speed to unblock merchants effectively. * A proactive partner committed to team growth, who supports the onboarding of new joiners through peer coaching and promotes best practices to ensure global consistency. Our Diversity, Equity and Inclusion commitments  Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you’re from, we welcome you to be your true self at Adyen.  Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Does this sound like you? If so, Adyen encourages you to reconsider and apply. We look forward to your application. What’s next? Ensuring a smooth and enjoyable candidate experience is critical for us. We aim to get back to you regarding your application within 5 business days. Our interview process tends to take about 4 weeks to complete, but may fluctuate depending on the role. Learn more about our hiring process here. Don’t be afraid to let us know if you need more flexibility. This role is based out of our Singapore office. We are an office-first company and value in-person collaboration; we do not offer remote-only roles.