Due Diligence Consultant

• Own client onboarding process to mitigate risk through a due diligence process
• Participate in conducting less complex client due diligence processes, research and identify opportunities to mitigate risk
• Consult and provide support to interpret policies, guidelines and governance programs
• Support business in execution of due diligence reporting processes and controls
• Review and analyze client onboarding processes or challenges that require research, evaluation, and selection of alternatives
• Exercise independent judgment to guide medium risk deliverables
• Aggregate, evaluate and report results and escalate where necessary
• Present recommendations for resolving more complex situations and exercise independent judgment while developing expertise in the due diligence function, policies, procedures and compliance requirements
• Collaborate and consult with peers, colleagues, managers and internal and external customers to resolve issues and achieve goals
• Perform end‑to‑end transaction analysis for financial intermediaries, including banks, payment service providers, brokers, fintechs, and NBFIs
• Review originator and beneficiary details to verify legitimacy, consistency, and risk exposure
• Assess transaction patterns, velocity, volumes, and unusual behaviors through data‑driven review
• Identify discrepancies between transaction activity and the customer’s known profile or expected activity
• Determine the nature, purpose, and economic rationale of transactions where unclear or potentially suspicious
• Evaluate AML/KYC risk indicators, including geographic risk, entity type, product risk, and delivery channel risk
• Identify red flags such as structuring, layering indicators, shell entity activity, opaque ownership, high‑risk jurisdictions, or nested relationships
• Draw risk‑based conclusions and recommend next steps (enhanced due diligence, escalation, monitoring controls)
• Document findings clearly and concisely to support overall customer due‑diligence reviews
• Conduct follow‑up research using internal systems, open‑source intelligence (OSINT), commercial databases, and regulatory lists
• Summarize the originator/beneficiary profile, relationship background, transaction purpose, and any adverse findings
• Analyse source‑of‑funds/source‑of‑wealth indications where relevant
• Prepare high‑quality investigative narratives in line with regulatory and audit standards
• Maintain clear audit trails of data sources, assumptions, and decision-making rationale
• Support the preparation of SAR/STR filings where required
• Work closely with Due Diligence teams, AML Investigations, Sanctions, and Compliance Advisory teams
• Engage with internal partners to clarify customer activity, mitigate risks, or seek additional documentation
• Provide insights to help refine transaction monitoring scenarios for financial intermediaries
• Stay updated on global AML/KYC regulations relevant to financial intermediary relationships (FATF, FinCEN, FCA, MAS, etc.)
• Ensure all reviews adhere to internal AML policies, risk frameworks, and regulatory standards
• Assist in process improvements, quality assurance, and training initiatives

• 2+ years of Due Diligence experience, or equivalent (including risk management, client service, operations support, or business process management) demonstrated through one or a combination of the following: work experience, training, military experience, education
• Strong understanding of AML frameworks, financial‑intermediary risks, and global regulatory expectations
• Experience with transaction monitoring systems, case management tools, and KYC platforms
• Ability to analyze data, identify patterns, and make risk‑based judgments
• Ability to interpret complex financial flows and derive meaningful insights
• Strong research capabilities (OSINT, corporate registries, sanctions lists, media reviews)

Proficiency in reviewing SWIFT/MT messages, wire transfers, payments, and correspondent banking flows