Company Overview

The organisation operates in a business environment where understanding customer identity, ownership structures, business activities, and financial crime exposure is essential to responsible customer onboarding and ongoing relationship management. Its customer due diligence function helps ensure that customer information is verified appropriately and that potential risks are identified, documented, and escalated in accordance with established procedures.

The organisation values risk-based decision-making, accurate records, confidentiality, and consistent application of due diligence standards. It seeks a KYC and Customer Due Diligence Analyst who can assess customer documentation, investigate ownership structures, identify risk indicators, and maintain complete and reliable customer records.

The successful candidate will collaborate with onboarding, account management, AML, sanctions screening, and other compliance teams. The role requires a careful and structured approach to verification, a sound understanding of customer risk, and the ability to resolve documentation gaps while maintaining appropriate service standards.

Role Summary

The Remote KYC & Customer Due Diligence Analyst will conduct customer identity verification, assess customer profiles, review supporting documentation, and perform risk-based due diligence checks for individuals and business entities. The role includes onboarding reviews, periodic customer reviews, enhanced due diligence support, beneficial ownership verification, and the investigation of discrepancies identified during screening or documentation checks.

The successful candidate will evaluate whether customer information is complete, credible, and consistent with the expected nature of the relationship. Where additional information is required, the analyst will coordinate follow-up requests through approved channels, document the outstanding requirements, and escalate complex or higher-risk cases to the appropriate compliance personnel.

The role also involves maintaining accurate customer records, meeting review deadlines, and contributing to improvements in due diligence workflows. The ideal candidate is detail-oriented, comfortable reviewing complex documentation, and able to apply established risk criteria consistently without making unsupported assumptions about customers.

Key Responsibilities

• Conduct customer identification and verification checks in accordance with established onboarding procedures and applicable customer due diligence requirements.
• Review identity documents, company registration records, business profiles, ownership information, and other approved supporting evidence.
• Assess the completeness, consistency, and validity of customer documentation, identifying missing information, discrepancies, expired documents, or unexplained inconsistencies.
• Perform risk-based due diligence reviews for individuals, companies, and other legal entities within the organisation’s customer base.
• Identify and verify beneficial owners and relevant controlling persons in accordance with applicable requirements and internal procedures.
• Review company ownership structures, corporate relationships, business activities, and jurisdictional exposure to understand the nature of the customer relationship.
• Assess customer risk factors using established criteria, which may include business sector, geography, ownership complexity, expected transaction activity, and available screening results.
• Conduct or support enhanced due diligence reviews for customers requiring additional scrutiny under the organisation’s risk-based framework.
• Review politically exposed person screening results, sanctions alerts, adverse media findings, and other relevant screening information in accordance with approved procedures.
• Distinguish potential screening matches from confirmed matches by evaluating available identifying information and documenting the basis for the assessment.
• Escalate unresolved screening matches, material inconsistencies, complex ownership structures, or other significant risk indicators to authorised compliance personnel.
• Request additional information or documentation through approved customer communication channels when existing records do not meet due diligence requirements.
• Maintain accurate records of verification checks, documentation reviewed, risk assessments, outstanding information, and final case outcomes.
• Conduct periodic and event-driven customer reviews to determine whether existing records remain accurate and whether customer risk ratings require reassessment.
• Review changes in ownership, management, business activities, geographic exposure, or expected account use that may affect the customer risk profile.
• Work with AML analysts to clarify customer information relevant to transaction monitoring alerts or broader financial crime investigations.
• Coordinate with onboarding, customer operations, and account management teams to resolve documentation issues without bypassing required compliance controls.
• Monitor assigned case queues and prioritise reviews according to risk level, review deadlines, escalation requirements, and established service standards.
• Identify recurring documentation gaps, verification delays, or process weaknesses and recommend practical improvements to due diligence procedures.
• Support internal quality assurance reviews by ensuring that customer files contain appropriate evidence, documented reasoning, and required approvals.
• Assist with preparing information for compliance audits, internal reviews, or authorised regulatory requests.
• Maintain confidentiality and comply with data protection requirements when processing identity documents, beneficial ownership records, and other sensitive personal or corporate information.
• Ensure that customer information is stored and shared only through approved systems with appropriate access controls.
• Contribute to updates of KYC checklists, customer risk assessment templates, onboarding guidance, and internal procedural documentation.
• Maintain awareness of relevant AML, customer due diligence, sanctions screening, and beneficial ownership requirements.
• Communicate case progress, outstanding information, and material concerns clearly to authorised colleagues and stakeholders.

Requirements and Qualifications

• Experience in KYC, customer due diligence, AML compliance, client onboarding, financial services operations, or a related role.
• Understanding of customer identification, verification procedures, beneficial ownership, customer risk assessment, and ongoing due diligence.
• Experience reviewing identity documents, company records, customer profiles, or other supporting documentation.
• Ability to recognise inconsistencies, missing information, complex ownership arrangements, and other factors that may require additional scrutiny.
• Familiarity with risk-based due diligence and the distinction between standard and enhanced due diligence requirements.
• Understanding of politically exposed person screening, sanctions screening, and adverse media review processes is advantageous.
• Strong written communication skills and the ability to document verification results and risk assessments clearly.
• Excellent attention to detail and the ability to apply procedures consistently across multiple customer files.
• Ability to manage a case queue, meet review deadlines, and maintain accuracy when handling repetitive or complex documentation.
• Familiarity with KYC platforms, customer relationship management systems, screening tools, and compliance case management software is beneficial.
• Understanding of confidentiality, data protection, record retention, and secure handling of customer information.
• Ability to recognise the limits of assigned authority and escalate cases requiring additional review or formal approval.
• Experience with corporate customers, complex ownership structures, fintech, payments, banking, or other regulated financial services is advantageous.
• Familiarity with relevant Estonian or European Union AML and customer due diligence requirements is an advantage.
• A degree in law, finance, business administration, accounting, international relations, or a related discipline is advantageous; equivalent professional experience is also valued.
• Professional proficiency in English is required; knowledge of Estonian is an advantage.
• Ability to work independently and communicate effectively with colleagues in a remote environment.

Benefits

• Fully remote working arrangement within Estonia.
• Full-time, permanent employment within a customer due diligence and financial crime compliance function.
• Opportunities to develop expertise in KYC reviews, beneficial ownership analysis, customer risk assessment, and enhanced due diligence.
• Collaboration with AML analysts, compliance officers, onboarding specialists, and operational teams.
• Professional development through case reviews, compliance training, and exposure to evolving customer verification requirements.
• Opportunities to contribute to better onboarding processes, stronger documentation standards, and more efficient due diligence workflows.
• A working environment that values confidentiality, consistent risk assessment, professional judgement, and attention to detail.
• Opportunities to build experience across customer lifecycle management, financial crime controls, and regulatory compliance.

Application Instructions

Applicants should submit an up-to-date CV outlining their KYC, customer due diligence, AML, or client onboarding experience. Highlight your experience with identity verification, beneficial ownership reviews, customer risk assessments, screening tools, periodic reviews, and case documentation.

Candidates may include relevant professional training, certifications, or a summary of experience handling complex customer reviews. Do not provide copies of customer identity documents, confidential due diligence files, sensitive screening results, or proprietary information from previous employers.

Applications will be assessed on verification skills, risk awareness, documentation quality, confidentiality, and the ability to manage due diligence cases accurately and efficiently. Please apply through the official application channel associated with the vacancy and provide only information relevant to your qualifications and experience.

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