Team Lead, KYB Due Diligence

Actual Title: LEAD, COMPLIANCE (KYC)

Tranglo is seeking a highly motivated and experienced KYB Due Diligence Team Lead to oversee the end-to-end onboarding and ongoing due diligence of licensed remittance partners globally, including financial institutions (FIs) and non-financial institutions (non-FIs). The successful candidate will be responsible for ensuring all prospective partners are properly licensed and legally permitted to operate or offer cross-border remittance services in their respective jurisdictions. This role requires strong Anti-Money Laundering and Countering Financing of Terrorism (AML/CFT) expertise, leadership capabilities, and operational excellence in partner risk assessment and onboarding.

Key Responsibilities

Partner Onboarding & Due Diligence

• Lead and manage the full lifecycle of remittance partner onboarding, including initial risk assessment, KYB documentation review, sanction screening, beneficial ownership verification, and onboarding approval.
• Verify and validate that all prospective remittance partners possess the appropriate licenses or authorizations to operate or provide cross-border payment/remittance services in their jurisdiction.
• Maintain a risk-based approach to onboarding, factoring in partner type, licensing framework, operational model, and jurisdictional AML/CFT risks.
• Conduct detailed analysis on partner structure, ownership transparency, control persons, and third-party dependencies (e.g., BIN sponsors, licensed agents).
• Oversee scheduled annual and risk-triggered reviews and risk re-assessments of active remittance partners based on licensing status, business activities, and risk classification.
• Ensure continuous monitoring of adverse media, license revocation/expiration, ownership changes, or regulatory enforcement actions.
• Implement enhanced due diligence (EDD) protocols for high-risk jurisdictions or partners with complex business models.
• Supervise, guide, and develop a team of KYB analysts to meet performance and compliance objectives.
• Establish team KPIs around quality, SLA adherence, and risk control effectiveness.
• Lead team hiring, capacity planning, resource allocation, and performance reviews.
• Fairly and transparently distribute onboarding cases and periodic review workload across the team, based on individual capacity, complexity, and priority, to ensure equitable task delegation.
• Monitor workload balance across the team on an ongoing basis to prevent bottlenecks, burnout, or uneven distribution of casework.
• Maintain and regularly update KYB SOPs, onboarding checklists, and due diligence templates to ensure global regulatory alignment.
• Collaborate with IT, Risk, and Product teams to enhance workflow automation and decisioning tools.
• Drive continuous process improvements to improve turnaround time, eliminate inefficiencies, and reduce false positives.
  
  

Stakeholder Engagement & Governance

• Coordinate with internal stakeholders (Business, Legal, Risk, Operations) to support smooth and compliant partner onboarding.
• Proactively engage internal and external stakeholders within defined turnaround times/SLAs, ensuring timely responses and follow-ups to avoid onboarding or review delays.
• Promptly escalate blockers, missing information, or stalled cases to relevant stakeholders to keep onboarding and review timelines on track.
• Represent the KYB function in internal and external audits, regulatory reviews, and senior management reporting.
• Provide input on new business initiatives and product development to ensure compliance with licensing and regulatory expectations.
  
  

Training & Culture

• Develop and conduct training on global licensing frameworks and KYB due diligence for remittance partners.
• Foster a culture of compliance, risk ownership, and operational excellence throughout the organization.
  
  

Qualifications & Requirements

• 5+ years of experience in AML/CFT compliance, KYB due diligence, or corporate onboarding within the fintech, payments, banking, or MSB industry.
• Strong understanding of licensing and regulatory regimes governing remittance/cross-border payments across multiple jurisdictions (e.g., MSBA, PSA, MTL, MTO frameworks).
• Familiarity with international AML standards (FATF, Wolfsberg) and risk-based due diligence principles.
• Professional certification (CAMS, ICA, or equivalent) is highly desirable.
• Strong analytical and investigative skills with a global regulatory awareness.
• Ability to interpret licensing documents, regulatory frameworks, and foreign legal structures.
• Excellent communication and stakeholder management skills, with a demonstrated ability to engage relevant stakeholders promptly and effectively.
• High attention to detail, with a structured and systematic approach to risk analysis.
• Leadership and coaching capabilities to guide team performance, development, and equitable workload distribution.
• Ability to thrive under pressure and manage multiple onboarding projects in parallel.
  
  

Location: Bangsar South, Kuala Lumpur

Nationality: Malaysian