• You will own the day-to-day KYC/KYB onboarding, transaction monitoring, and post-compliance activation checks for Mint’s UK (initially) then AU/NZ business, delivering clean customer files, crisp risk narratives, documented processes, and timely handovers to in-house approvers.
• Note: This role will follow UK Time zone.

Key Responsibilities:

Onboarding (KYC/KYB/CDD)

• Collect, review and verify customer documentation (KYB/KYC/UBO) against Mint
  onboarding standards.
• Perform sanctions, PEP & adverse media checks and maintain risk scoring.
• Trigger EDD when required and prepare clear supporting rationales.
• Build complete audit-ready files with structured decision logs.
• Maintain accurate data across FirstAML, HubSpot, and internal onboarding trackers.

Transaction Monitoring & Investigations

• Action daily transaction alerts, analyse contextual risk signals, and determine disposition.
• Draft concise, regulatory-standard investigation narratives.
• Prepare escalation summaries for submission to Mint’s MLRO (UK SAR, AU SMR, NZ
  SAR drafts – final submission retained by MLRO).
• Identify typologies and recommend rule tuning to reduce false positives.

Activation & Post-Compliance

• Support end-to-end customer onboarding beyond approval, including:
  • Internal account setup in Mint systems and product configuration.
  • Coordination of missing documentation and account activation readiness.
  • Contract send-outs (DocuSign/HubSpot) and checklist completion.
• Ensure a smooth handoff from compliance approval ➝ merchant activation.

Processes, SOPs & Quality

• Own and document onboarding workflows, SOPs and quality standards.
• Maintain risk playbooks and update procedures as regulations evolve.
• Build repeatable processes to scale Mint’s onboarding into a “follow-the-sun” model.
• Own weekly reporting on SLA performance, volumes, EDD cases, alert outcomes &
  operational risks.
• Support internal QA, audits, and regulatory readiness.

What You’ll Need:

• 2–4+ years of AML/KYC/KYB and/or Transaction Monitoring experience (ideally fintech, PSP, or BPO risk operations).
• Solid understanding of onboarding and AML frameworks (CDD/EDD, risk scoring,
  sanctions).
• Experience reviewing business models and risk factors for higher-risk industries.
• Strong written English and risk documentation skills.
• Comfortable working with screening/AML tools (e.g. FirstAML, ComplyAdvantage).
• High attention to detail and disciplined with process/checklists.
• Experience following SLAs, case queues and structured workflows.

Nice to have:

• Experience in payments, travel, or financial services onboarding.
• Background with UK market AML/reg expectations (NCA SAR exposure ideal).
• Familiarity with HubSpot, Centrix (NZ), Excel/Sheets.
• Experience in building SOPs/workflow documentation.
• Previous UK shift/BPO operational model experience.

KPIs / SLAs:

• Onboarding SLA: CDD ≤ 1 business day; EDD ≤ 3 business days
• Quality: ≥ 95% QA pass rate; <5% rework
• TM Alerts: Same-day triage; high-risk alerts escalated within 8 hours
• Activation: 100% completed checklists and clean handoff to merchant setup
• Governance: Zero critical audit findings; no missing documentation

Ways of working:

• Work as part of a global follow-the-sun model.
• UK hours coverage with structured handovers to AU/NZ teams.
• Strict GDPR/UK-GDPR, AU Privacy Act, and NZ Privacy Act compliance.
• Maintain privacy and secure data handling at all times