AEON Bank is seeking a dynamic and highly motivated Anti-Financial Crime Specialist to

join our Anti-Financial Crime Operations department. This role is central to maintaining the

integrity of our digital banking platform by providing centralized fraud monitoring,

investigation, and e-KYC processes for both personal and business banking clients. You will

specialize in banking operations, with a focus on onboarding, NSRC (National Scam

Response Centre), NFP (National Fraud Portal), and fraud prevention, ensuring all activities

comply with AEON Bank's policies and procedures. This role requires a strong

understanding of regulatory requirements and the ability to execute precise internal banking

operations processes. The successful candidate will report directly to the Team Lead and

excel in a fast-paced, system-driven environment.

Job Responsibilities

Operational Management & Compliance:

Work efficiently within a 24/7 rotating shift schedule to ensure continuous monitoring and response.
Adhere to Bank Negara Malaysia (BNM) regulations and industry best practices to ensure effective fraud prevention procedures for both new and existing customers.
Function as a team shift lead and checker, responsible for detecting and investigating suspicious activities to ensure eKYC and Fraud procedures are implemented and maintained in compliance with BNM regulations.

Fraud Detection & Investigation:

Independently process, approve, and manage e-KYC applications and conduct thorough fraud investigations.
Investigate and analyze flagged transactions and incidents, including onboarding and fraud alerts, to identify and mitigate potential risks.
Manage and investigate cases escalated from the National Scam Response Centre (NSRC) and National Fraud Portal (NFP), adhering to established protocols.
Attend to NSRC cases and take prompt action to disrupt and prevent the dissipation of victim's funds.
Lead a team in the detection and investigation of suspicious activities.
Analyze accounts and transaction patterns to determine existing fraud trends and provide recommendations to reduce fraud risk.
Provide guidance on analyzing transaction patterns and customer behavior as a preventive measure.

Customer Interaction & Verification:

Perform customer callbacks to verify transaction legitimacy and prevent fraudulent activities.
Attend, investigate, and resolve all complaints and feedback received from Customer Experience (CE) within SLA.

System & Process Improvement:

Participate in the testing and validation of operational systems and procedures to ensure optimal performance and effectiveness.
Collaborate with stakeholders (e.g., Finexus) to take early action against fraudulent activity.

Collaboration & Communication:

Collaborate with Risk & Compliance units to obtain necessary information and guidance for investigations and process improvements.
Document, review, and update process-related knowledge, ensuring effective knowledge sharing within the team.

Performance & Documentation:

Maintain high-quality standards and productivity, consistently meeting or exceeding defined KPIs and SLAs (TAT, Accuracy, Volume, Completeness, etc.) to ensure customer satisfaction.
Maintain accurate and up-to-date e-KYC and fraud records and documentation.

Additional Responsibilities:

Perform other tasks and duties as assigned by the Manager to support operational and business needs.

Job Requirements

Bachelor's degree in Banking & Finance, Business, or a related field.
AML/KYC/Risk-related certifications are advantageous.
Minimum 5 - 7 years of experience in financial institutions, payments, cards, banks, or e-wallets. Experience in a digital e-wallet/financial/banking setup is highly desirable.
Strong knowledge of e-KYC and fraud processes, policies, and operations.
Ability to conduct fraud trend analysis (proactive/reactive).
Proficiency in office suites (Excel, PowerPoint, Word) and Google Workspace.
Excellent problem-solving and decision-making abilities.
Ability to handle unexpected problems constructively and drive process improvement.
Flexibility, customer-centric approach, and ability to thrive in a team environment.
Excellent verbal and written communication skills.
Strong time management skills with a proven ability to meet deadlines.
Ability to communicate results to management.
Ability to work in a high-volume, fast-paced environment.
Willingness to work rotational 24 by 7 shift, weekends, and public holidays.
Open to Malaysian citizens only.

Executive Assistant / Secretary

Executive Assistant to Executive Director