AML Officer

Description

Rakuten Viber is one of the most popular and downloaded apps in the world. Working with us provides a unique opportunity to influence hundreds of millions of our users and to be part of the journey that makes us a super-app. Our mission is to make people’s lives easier by enabling meaningful connections, from precious moments with family and friends, through managing business relationships to pursuing their passions.

We are seeking a versatile compliance professional responsible for implementing and maintaining financial crime prevention controls across both customer onboarding (KYC/KYB) and ongoing monitoring processes (transaction surveillance, sanctions and PEPs/ screening).

Responsibilities

Customer Onboarding (KYC/KYB)

• Conduct comprehensive due diligence on new customers and businesses for AML, CFT, sanctions and FATCA/CRS compliance according to risk-based approach
• Review and validate customer identification documentation and beneficial ownership structures
• Perform enhanced due diligence on high-risk customers including complex business structures
• Assess customer risk profiles and determine appropriate level of ongoing monitoring and mitigation measures
• Maintain accurate customer records in compliance systems

Transaction Monitoring & Screening:

• Review alerts generated by transaction monitoring systems to identify suspicious activities
• Investigate potentially suspicious transactions and decide on suspicion confirmation
• Screen customers against sanctions lists, PEP databases, and adverse media sources
• Prepare and file suspicious activity reports (SARs) when warranted
• Conduct periodic reviews of existing customer relationships based on risk profile

General Compliance Duties

• Stay current with changes affecting local and European legislation on anti-money laundering (AML) and counter-terrorism financing (CFT)
• Contribute to the development and updating of compliance policies and procedures
• Test software systems for tracking suspicious operations before updates implementation
• Provide guidance and training to business units on compliance requirements
• Participate in compliance testing and quality assurance reviews
• Support regulatory examinations and audits by preparing documentation and responding to inquiries
• Support and train more junior members of the compliance team.

Requirements

• 3+ years of experience in financial compliance, preferably with exposure to both KYC/KYB and monitoring functions
• Working knowledge of AML/CTF regulations and financial crime typologies
• Experience with compliance systems and databases for customer screening and transaction monitoring
• Understanding of risk-based approach to financial crime prevention

Skills

• Bachelor’s degree in finance, law, business, or related field.
• ACAMS certification (CAMS) or equivalent professional qualification
• Knowledge of emerging financial services and associated risks (e.g., cryptocurrency, fintech)
• Experience in financial services industry (banking, payments)
• Familiarity with global compliance standards (FATF, EU directives, FinCEN requirements)