Fraud Operations & AML/CFT Screening Executive (24X7)

Key Responsibilities: Customer Screening, Due Diligence & Fraud Investigation Conduct name screening against internal and external watchlists, sanctions lists, adverse media sources, and fraud databases. Perform Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) in accordance with Bank Negara Malaysia (BNM) requirements. Assess customer risk profiles and identify potential AML/CFT red flags and fraud indicators during onboarding. Escalate suspicious, high-risk, or potentially fraudulent cases with appropriate rationale and supporting documentation. Conduct inbound and outbound customer calls to verify personal information, transaction details, supporting documents, and investigate suspicious activities. AML/CFT and Fraud Risk Management Ensure strict adherence to AML/CFT, fraud risk management policies, procedures, and regulatory requirements. Support the early detection and prevention of financial crime risks during the customer onboarding process. Maintain accurate documentation and audit trails for all screening decisions and investigation outcomes. Contribute to continuous improvements in screening quality and fraud detection capabilities. Utilise effective communication and investigation skills during fraud-related customer interactions, ensuring accurate information gathering and proper case documentation. Process & System Management Effectively utilise screening systems, fraud monitoring tools, and digital platforms to perform investigations and risk assessments. Identify opportunities to enhance operational efficiency through automation and process improvements. Keep abreast of emerging financial crime threats, industry trends, regulatory changes, and screening technologies. Quality, Compliance & Governance Ensure accuracy, completeness, and consistency in all screening, verification, and due diligence activities. Support internal audits, compliance reviews, regulatory examinations, and reporting requirements. Participate in quality assurance reviews and continuous improvement initiatives to strengthen operational effectiveness. Requirements Bachelor's Degree in Finance, Banking, Business Administration, or a related field. Minimum 2 years of experience in AML/CFT, fraud operations, compliance, customer onboarding, or related banking operations. Proven experience in handling fraud-related customer verification and investigation calls. Strong knowledge of Bank Negara Malaysia (BNM) AML/CFT frameworks, including CDD and EDD requirements. Experience using screening systems such as sanctions screening, name screening, and adverse media tools. Strong analytical, investigative, and problem-solving capabilities. Excellent verbal communication, active listening, and customer management skills. Ability to manage sensitive, complex, and potentially challenging customer interactions professionally. High attention to detail, accountability, and sound decision-making ability. Proficiency in digital systems, data tools, and process automation platforms. Strong written communication skills, particularly for case documentation and escalations. Working Arrangement Operates on a rotational or staggered shift schedule to support business operations and timely onboarding decisions. May be required to work outside standard office hours, including weekends and public holidays, based on operational requirements. Expected to provide support during peak operational periods and meet service level commitments where required.