Customer Due Diligence Analyst

This isANZ Worldline Payment Solutions ANZ Worldline Payment Solutions is a joint venture between one of Europes leading payment technology companies Worldline and ANZ Banking Group. We launched in Australia in early 2022 providing in-store and ecommerce payment solutions to around 60000 Australian businesses. Since then weve built a new modern technology platform to enable us to bring an exciting roadmap of products and solutions to our customers as payments technology and consumer preferences evolve. Whats it like to work with us We bring together the spirit of a fintech with the heritage of a big four bank. And while our expertise products and services make us a leader in payments our people purpose values and culture are the core of our organisation. As an equal opportunity employer we know our success comes from new insights diverse points of view and the energy of every member of our growing team. Its an exciting time to be part of our team. Find out more about ANZ Worldline Payment Solutions here. The o pportunity As a Customer Due Diligence Analyst you will play a vital role in defending our companys integrity. You will execute precise customer risk assessments that not only uphold regulatory trust but also redefine the onboarding experience ensuring seamless and efficient customer interactions. Situated at the core of ANZ Worldlines first-line operations you will be instrumental in conducting comprehensive due diligence processes for Small-Medium Business (SMB) and Enterprise merchant acquiring customers significantly impacting the companys safe growth and customer satisfaction. Reporting directly to the Team Lead of Customer Due Diligence your expertise will be crucial in executing Customer Risk Assessment Customer Due Diligence Application Fraud Analysis and Credit Assessment with delegated credit approval authority. Your contributions will be central in navigating AML / CTF Rules Scheme Rules and Worldline Group Merchant Acceptance Rules and Requirements (MARR) as well as other regulatory mandates within the Australian market. You will safeguard ANZ Worldline against potential exposures to money laundering / terrorism financing (ML / TF) risks fraud risks and credit risks. In this key role you will be the first line of defense ensuring effective customer risk management thereby reinforcing organizational resilience and delivering a superior customer experience. Key Outcomes and Impact : Seamless Value-Driven Merchant Onboarding : Deliver a customer-focused experience by meeting operational targets for customer due diligence queue cases with high accuracy and within targeted timeframes and quality scores. Risk Management Proficiency : Utilize resources technical tools and data analytics to accurately assess customer risk profiles and conduct due diligence processes ensuring compliance with AML / CTF MARR and credit risk requirements. Key Responsibilities : Conduct Comprehensive CDD Activities : Perform all facets of Simplified Standard and Enhanced Customer Due Diligence to mitigate SMB / Enterprise risk and adhere to compliance standards. Facilitate Customer Engagement : Proactively communicate with customers to request and collect the required KYC / MARR / Credit information ensuring full compliance with regulatory requirements. Strive to ensure a positive customer experience throughout the process by maintaining clear courteous and responsive communication. Perform Credit and Fraud Checks : Assess new and existing SMB / Enterprise merchants to pre-empt financial losses associated with credit and fraud risks. Ensure Data and Documentation Integrity : Maintain accuracy and completeness of customer data and documentation in accordance with AML / CTF regulations and credit risk policies and standards. Customer Risk Assessment : Assign appropriate AML / CTF and credit risk levels to merchants ensuring compliance with ANZ Worldline risk management policies and standards. Operational Excellence : Manage daily operations within established organizational policies and procedures maintaining adherence to agreed Service Level Agreements (SLAs). Optimize Customer Onboarding : Collaborate across ANZ Worldline to enhance the customer onboarding process balancing efficiency with risk management. Manage Customer Triggers and Risk Alerts : Address customer event-driven triggers and risk alerts maintaining vigilance across risk vectors. Identify and Report on Compliance Matters : Identify and report AML / CTF compliance issues ensuring alignment with the AML / CTF program and ANZ Worldlines policies. Support CDD Systems and Processes : Assist the Team Lead in creating and maintaining risk systems processes and procedural documentation. Continuous Improvement : Partner with the Team Lead and other teams to regularly review and optimize risk systems processes and procedures for enhanced efficacy. Competencies & Knowledge : Organizational Acumen : Strong planning and organizational skills to manage multiple tasks efficiently. Influencing and Negotiation Expertise : Ability to effectively persuade and negotiate with stakeholders. Communication Clarity : Excellent written and verbal communication and presentation capabilities. Commercial Insight : Deep commercial awareness and industry knowledge. Results Orientation : Driven by results with the ability to perform effectively under pressure. Technological Proficiency : Advanced knowledge of Microsoft Office products including PowerPoint and Excel and proficiency in data analysis credit and customer due diligence tools. Cultural Agility : Multicultural mindset with a flexible approach enabling efficient multitasking within an international milieu. Analytical Skills : Strong attention to detail and problem-solving abilities. Experience : 2 years of experience within a customer due diligence environment with expertise in KYC AML Fraud and Credit processes. At least 1 year of experience in a payments or technology-driven organization. Previous experience in a merchant acquiring environment. Education : Bachelors Degree in Commerce Accounting Economics Finance or a related field. Industry Certification such as ACAMS is preferred. Benefits At ANZ Worldline Payment Solutions we work in a flexible environment that empowers you to learn grow and accelerate your have access a great mix of benefits including : A range ofhealth and wellbeing discounts for gym nutrition sporting gear providers. Learning and development opportunities to build your skills. Additional leave options to support families work in the community or take a career break. Youll also earn loyalty leave for your tenure. Regular opportunities to connect socially as a team.low #J-18808-Ljbffr