Institutional KYB Associate

Conduct end-to-end KYC/KYB due diligence and onboarding reviews for institutional clients, covering corporate documents, ownership structures, UBOs, directors, and authorized representatives.

Responsibilities

1. Perform client identification, risk assessment, background screening, and compliance reviews in line with internal policies and regulatory requirements.
2. Communicate with clients and internal stakeholders in English and Chinese to follow up on documents and facilitate account opening.
3. Identify and assess compliance risks, including complex ownership structures, high-risk jurisdictions, sanctions, PEPs, adverse media, and other financial crime risks.
4. Conduct ongoing due diligence, including periodic reviews, trigger-based reviews, and risk-rating updates.
5. Partner with Sales, BD, Compliance, AML, and Operations to balance onboarding efficiency with risk standards.
6. Maintain accurate client records and ensure a clear audit trail.
7. Support continuous improvement of KYC/KYB workflows, procedures, and client communication templates.

Qualifications

1. Bachelor's degree or above in Finance, Law, Accounting, Business, or a related field.
2. At least 2 years of experience in KYC, KYB, AML, compliance operations, or institutional onboarding.

Required Skills

1. Strong knowledge of institutional CDD, including corporate structure analysis, UBO identification, source of funds, and nature of business assessment.
2. Strong English and Chinese communication skills, both written and spoken.
3. Strong analytical skills, attention to detail, and sound risk judgment.
4. Strong stakeholder management and problem-solving skills.
5. Ability to manage multiple cases in a fast-paced environment with high quality and timely delivery.
6. Experience in banking, securities, payments, fintech, virtual assets, or another regulated financial institution is preferred.

Preferred Skills

1. CAMS, ICA, or other AML/KYC certification.
2. Experience in virtual/digital assets, high-risk clients, complex ownership structures, or cross-border institutional onboarding.
3. Familiarity with screening tools such as World-Check, Dow Jones, or LexisNexis.