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.
