KYC/KYB Onboarding Officer

About the Role

Responsibilities

• Conduct KYC and KYB due diligence on individual and business customers onboarding across Nigeria, Canada, and UK corridors, verifying identity documents, addresses, and beneficial ownership structures.
• Review and action onboarding applications within agreed turnaround times, prioritising by customer risk level.
• Carry out Enhanced Due Diligence (EDD) for high-risk customers and ensure EDD files are complete, documented, and approved within the required timeframe.
• Screen all customers against PEP, sanctions, and adverse media lists at onboarding and at each periodic review cycle, and escalate confirmed hits to the Compliance Lead promptly.
• Maintain accurate customer risk ratings and update them in response to trigger events such as changes in customer profile, adverse news, or transaction anomalies.
• Complete scheduled KYC periodic reviews by customer risk tier and ensure no accounts exceed their review date.
• Identify and document rejection rationale clearly for all declined applications, ensuring every decision has a clear and defensible risk basis.
• Ensure all KYC documentation is stored accurately in the approved document management system and is retrievable upon request.
• Support the identification and escalation of KYC-related audit findings and assist with timely remediation.
• Respond to regulatory KYC and customer information requests within the required deadlines.
• Prepare and submit monthly KYC performance reports to the Compliance Lead within the agreed reporting window.
• Complete all mandatory KYC/AML training within the prescribed window each cycle.

General Qualifications

• Minimum 3+ years of experience in a KYC, onboarding, or compliance role within a financial services, fintech, or money transfer business.
• Working knowledge of AML/CFT regulations across at least one of Nigeria (CBN/NFIU), Canada (FINTRAC), or the UK (FCA/HMRC).
• Hands-on experience with PEP and sanctions screening tools and alert management processes.
• Strong attention to detail as you will be reviewing documents, identifying discrepancies, and making risk-based decisions daily.
• Ability to manage a queue of cases, prioritise by risk level, and meet agreed turnaround targets consistently.
• Clear and concise written communication, every decision must be documented with a well-reasoned rationale.
• Experience with KYC/onboarding platforms or case management tools is an advantage.
• A relevant qualification in compliance, law, finance, or a related field is an advantage.