AEON Bank is seeking a dynamic and highly motivated Anti-Financial Crime Specialist to join our Fraud Prevention & e-KYC 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 Poratal), 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 Flexibility: Work efficiently within a 24/7 rotating shift schedule to ensure continuous monitoring and response.
- e-KYC and Fraud Management: Independently process, approve, and manage e-KYC applications and conduct thorough fraud investigations.
- Incident Analysis: Investigate and analyze flagged transactions and incidents, including onboarding and fraud alerts, to identify and mitigate potential risks.
- National Scam Response Centre Collaboration: Manage and investigate cases escalated from the National Scam Response Centre and National Fraud Portal (NFP), adhering to established protocols.
- Transaction Verification: Perform customer callbacks to verify transaction legitimacy and prevent fraudulent activities.
- System Testing and Validation: Participate in the testing and validation of operational systems and procedures to ensure optimal performance and effectiveness.
- Risk and Compliance Liaison: Collaborate with Risk & Compliance units to obtain necessary information and guidance for investigations and process improvements.
- Documentation and Record Keeping: Maintain accurate and up-to-date e-KYC and fraud records and documentation.
- Knowledge Management: Document, review, and update process-related knowledge, ensuring effective knowledge sharing within the team.
- Performance and Quality: Maintain high quality standards and productivity, consistently meeting or exceeding defined KPIs and SLAs (TAT, Accuracy, Volume, Completeness, etc.) to ensure customer satisfaction.
- Ad Hoc Tasks: Perform other tasks and duties as assigned by the Manager to support operational and business needs.
- Regulatory Compliance: Adhere to Bank Negara Malaysia (BNM) regulations and industry best practices to ensure effective fraud prevention procedures for both new and existing customers.
Job Requirements
- Bachelor's degree in Banking & Finance, Business, or a related field.
- AML/KYC/Risk-related certifications are advantageous.
- Minimum 3 - 5 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.
