Onboarding Analyst

Skills

About the Role

You will manage the onboarding and due diligence process for individual (consumer) clients, ensuring best practices in KYC, compliance, and risk management. You will oversee the end-to-end customer application process, collecting, reviewing, and verifying all required documentation. You will conduct Customer Due Diligence and Enhanced Due Diligence, perform Sanctions, PEP, and Adverse Media screening, and resolve potential matches or alerts. You will carry out PEP risk assessments, make risk-based decisions on applications, and escalate complex cases when needed. You will keep customer records accurate and audit-ready, and you will identify improvements to onboarding processes to enhance efficiency, compliance, and customer experience.

Requirements

• Fluent in English with excellent written and verbal communication skills
• Minimum 2 years' experience in KYC onboarding within payments, fintech, banking, or FX
• Familiarity with customer onboarding requirements across multiple jurisdictions, particularly the EU and US
• Strong understanding of KYC, AML, CDD, and EDD requirements for individual customers
• Proven experience conducting Sanctions, PEP, and Adverse Media screening and managing escalations
• Strong analytical and investigative skills with sound risk-based decision making
• Experience working within a regulated financial services environment
• Hands-on experience using Sumsub or similar CRM/case management tools
• Excellent attention to detail, organisational skills, and ability to manage multiple cases simultaneously
• Ability to work in a fast-paced, high-growth environment meeting SLAs
• Nice to have: experience with KYB onboarding, reviewing business documentation, and identifying UBOs

Responsibilities

• Manage the onboarding and due diligence process for individual consumer clients
• Oversee the end-to-end customer application process including collection, review, and verification of documentation
• Conduct Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD)
• Perform Sanctions, PEP, and Adverse Media screening and resolve potential matches or alerts
• Conduct PEP risk assessments and recommend escalations in line with internal policies
• Ensure compliance with applicable laws, regulations, and internal policies throughout onboarding
• Make risk-based decisions on customer applications and follow through with appropriate actions
• Maintain accurate, complete, and audit-ready customer records and KYC documentation
• Identify and suggest improvements to onboarding processes

Benefits

• Employee option scheme (ownership in the business)
• Flexible working hours
• Hybrid working
• Flexible approach to holiday
• Opportunities to travel to offices around the world such as London and Cape Town