Company Overview

The organisation operates in the digital banking and financial technology sector, providing technology-enabled financial services designed to simplify account management, payments and everyday banking activities. Its operating model combines digital onboarding, financial account services and secure customer information management.

The organisation recognises the importance of maintaining reliable customer verification procedures and effective financial crime controls. It seeks professionals who can support responsible customer onboarding while ensuring that due diligence activities are conducted accurately and consistently.

Role Summary

The Digital Banking Customer Due Diligence Specialist will conduct customer verification and due diligence reviews for individuals and businesses using digital financial services. The position involves examining customer identification documents, assessing ownership structures, reviewing customer profiles and ensuring that onboarding information meets established compliance requirements.

The successful candidate will work alongside AML analysts, compliance officers, onboarding teams and customer operations specialists to assess customer information and resolve verification issues.

This role requires strong investigative skills, an understanding of customer due diligence procedures and the ability to manage sensitive information within a regulated financial services environment.

Key Responsibilities

• Conduct customer due diligence reviews for individuals and corporate applicants seeking access to digital banking services.

• Verify customer identification documents and assess the completeness of submitted onboarding information.

• Review corporate registration documents, ownership structures and beneficial ownership information.

• Perform customer screening against applicable sanctions, politically exposed persons and adverse media databases.

• Assess customer profiles to identify inconsistencies, unusual information and potential compliance concerns.

• Request additional documentation where customer information requires clarification or further verification.

• Review higher-risk customer profiles and escalate complex cases to appropriate compliance specialists.

• Maintain accurate customer due diligence records and ensure that review outcomes are properly documented.

• Support periodic customer reviews and the updating of existing customer information.

• Collaborate with AML and financial crime teams to investigate potential risk indicators.

• Monitor outstanding verification cases and ensure that onboarding reviews are completed within established service timelines.

• Apply internal customer acceptance standards and relevant regulatory requirements consistently.

• Identify recurring documentation issues and recommend improvements to onboarding procedures.

• Prepare operational reports covering verification volumes, review outcomes and outstanding cases.

• Maintain confidentiality and handle customer information in accordance with data protection policies.

Requirements and Qualifications

• Bachelor’s degree in Finance, Law, Business Administration, Banking or a related discipline.

• Professional experience in KYC, customer due diligence, AML operations or digital banking compliance.

• Understanding of customer identification, beneficial ownership and corporate verification procedures.

• Familiarity with sanctions screening, PEP screening and adverse media checks.

• Knowledge of European financial services compliance requirements is an advantage.

• Experience using digital onboarding systems and customer verification platforms.

• Strong investigative, analytical and documentation skills.

• Ability to assess customer information and identify inconsistencies.

• Excellent written communication and attention to detail.

• Ability to manage multiple customer reviews and meet operational deadlines.

• Professional judgement when handling confidential financial and personal information.

Benefits

• Fully remote working arrangement within Estonia.

• Opportunity to contribute to secure and responsible digital banking services.

• Exposure to modern customer onboarding and compliance technology.

• Professional development in AML, KYC and financial crime prevention.

• Collaborative environment involving compliance, banking and customer operations professionals.

• Opportunities to improve customer verification processes and operational standards.

• Long-term career development within digital banking and fintech compliance.

Application Instructions

Candidates should submit an updated CV detailing their experience in KYC, customer due diligence, AML operations or financial services compliance. Applicants should highlight their knowledge of customer verification, corporate documentation, sanctions screening and regulated onboarding processes.

Are you interested in this position?

Apply by clicking on the “Apply Now” Button below!

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