What you’ll be doing

CDD Checks

• Communicate with customers to collect required documentation and clarify missing or incomplete details.
• Verify customer identification, business registration, and ownership structures in line with Pax2pay's and regulatory standards.
• Independently review documentation and perform KYC/KYB checks in accordance with Pax2pay's onboarding procedures and regulatory requirements, submitting completed checks to the Onboarding Manager for final sign-off.
• Perform KYC refreshes (e.g., annual or risk-based) to keep customer data accurate and compliant.
• Review and action ongoing screening matches (PEPs, sanctions, and adverse media) generated on existing customers, escalating confirmed hits in line with Pax2pay's risk and compliance procedures.
• Prepare comprehensive KYC/KYB evidence packs for regulatory and audit purposes.

Transaction Monitoring

• Monitor customer transactions on an ongoing basis to identify unusual, suspicious, or high-risk activity in line with Pax2pay's AML procedures.
• Investigate and clear system-generated alerts, escalating genuine concerns to the Compliance team with supporting rationale.
• Conduct periodic reviews of customer transaction behaviour against their expected activity profile, flagging discrepancies for further review.
• Maintain clear records of monitoring decisions and escalations to support audit and regulatory requirements.
• Contribute to the ongoing improvement of transaction monitoring rules and thresholds based on findings and emerging risk patterns.
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Documentation and Record Management

• Ensure all customer documentation is accurately stored and maintained in accordance with internal compliance and data management standards.
• Maintain and update the CRM onboarding pipeline to ensure accurate tracking of customer status and progress.
• Prepare onboarding summaries and progress updates for key stakeholders.
• Keep customers informed throughout the onboarding process, providing timely updates and guidance as required.

Customer Onboarding Support

• Collaborate with internal teams, including Commercial and Compliance, to resolve onboarding or CDD-related queries efficiently.
• Work with the Onboarding Manager to identify and implement improvements that enhance the efficiency and overall customer onboarding experience.
• Support the Onboarding Manager with other onboarding related tasks where required.
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What we need

• Experience in a client due diligence role within financial services.
• Proven experience performing KYC/KYB checks for business clients, including reviewing corporate structures, beneficial ownership, and company registration documents.
• Strong practical understanding of risk-based approaches to onboarding and customer due diligence.
• Good understanding of UK (FCA) and European regulations and financial industry compliance standards.
• Experience using onboarding and CRM platforms (e.g., HubSpot or similar) would be advantageous.