Customer Due Diligence Analyst

Overview
Join to apply for the
Customer Due Diligence Analyst
role at
ANZ Worldline Payment Solutions
.
Worldline Payment Solutions is a joint venture between Worldline and ANZ Banking Group. ANZ Worldline Payment Solutions launched in Australia in early 2022, providing in-store and ecommerce payment solutions to around 60,000 Australian businesses, and has built a modern technology platform to enable an exciting roadmap of products and solutions for customers.
What's it like to work with us? We bring together the spirit of a fintech with the heritage of a big four bank. We are an equal opportunity employer and value diverse perspectives and energy from every team member. More about ANZ Worldline Payment Solutions is available here.
The opportunity
As a Customer Due Diligence Analyst, you will defend the company's integrity by executing precise customer risk assessments that uphold regulatory trust and improve the onboarding experience. You will conduct comprehensive due diligence for Small-Medium Business (SMB) and Enterprise merchant acquiring customers, impacting safe growth and customer satisfaction. You will report to the Team Lead of Customer Due Diligence and perform Customer Risk Assessment, Customer Due Diligence, Application Fraud Analysis, and Credit Assessment with delegated credit approval authority. You will navigate AML/CTF Rules, Scheme Rules, and Worldline Group Merchant Acceptance Rules and Requirements (MARR), and other regulatory mandates in Australia, safeguarding against ML/TF, fraud, and credit risks. You will be the first line of defense in risk management and customer experience.
Responsibilities
Conduct Comprehensive CDD Activities: Perform Simplified, Standard, and Enhanced Due Diligence to mitigate SMB/Enterprise risk and ensure compliance.
Facilitate Customer Engagement: Request and collect KYC/MARR/Credit information with regulatory compliance, ensuring a positive customer experience.
Perform Credit and Fraud Checks: Assess new and existing SMB/Enterprise merchants to mitigate credit and fraud risks.
Ensure Data and Documentation Integrity: Maintain accurate customer data and documentation per AML/CTF regulations and risk policies.
Customer Risk Assessment: Assign AML/CTF and credit risk levels in line with risk management standards.
Operational Excellence: Manage daily operations within SLAs and organizational policies.
Optimize Customer Onboarding: Collaborate across ANZ Worldline to improve onboarding while managing risk.
Manage Triggers and Alerts: Address risk event triggers and alerts across risk vectors.
Identify and Report on Compliance Matters: Escalate AML/CTF issues and align with program requirements.
Support CDD Systems and Processes: Assist in creating and maintaining risk systems and documentation.
Continuous Improvement: Review and optimize risk processes with Team Lead and other teams.
Competencies & Knowledge
Organizational Acumen
Influencing and Negotiation
Communication Clarity
Commercial Insight
Results Orientation
Technological Proficiency with Microsoft Office and data analysis tools
Cultural Agility
Analytical Skills
Experience
2+ years in a customer due diligence environment (KYC, AML, Fraud, and Credit)
At least 1 year in a payments or technology-driven organization
Experience in a merchant acquiring environment
Education
Bachelor's Degree in Commerce, Accounting, Economics, Finance, or related field
Industry Certification (e.g., ACAMS) preferred
Benefits
We offer a flexible environment with opportunities to learn, grow and accelerate your career. Benefits include:
Health and wellbeing discounts
Learning and development opportunities
Additional leave options including loyalty leave
Team social events and volunteering leave
Other perks (e.g., novated leasing)
We provide modern offices and facilities to support employees, including a parent's room, prayer room, end-of-trip facilities, and employee assistance services.
#J-18808-Ljbffr