The Role
The CDD Onboarding Associate is responsible for overseeing due diligence, analyzing complex risk cases, collaborating with stakeholders, optimizing onboarding processes, and mentoring junior analysts to ensure compliance while enabling business growth.
Summary Generated by Built In
At PPRO, our mission is to simplify access to local payment methods and our vision is to enable the sale of goods and services to anyone in the world using their preferred way to pay. We empower partners such as Ant Group, PayPal and Stripe to access new markets, connect with more customers, and accelerate their growth.
Our strength lies in our diverse global team with 50+ nationalities and 10+ international locations- all united around one goal – to deliver the best possible products and services to our partners and customers. While our company mission is to keep innovating global commerce, our internal mission is to #chooseaction, #beopen, #thinkcustomer, #gofurther and #wintogether
The Purpose:
The Onboarding Associate occupies a critical position within the first line of defence, ensuring the organisation adheres to all regulatory requirements and internal policies. This role is designed for a highly experienced professional who will act as a strategic partner to the Onboarding Lead, providing a sophisticated "sound check" for complex cases and ensuring the integrity of the client lifecycle. The successful candidate will move beyond a traditional compliance mindset to become a business partner, balancing rigorous risk mitigation with the broader organisation's operational needs.
Primary Responsibilities
- Execute and oversee comprehensive due diligence for both individual (KYC) and corporate (KYB) clients, including identity verification and complex risk assessments.
- Analyse and resolve intricate cases involving Sanctions, Politically Exposed Persons (PEPs), and Enhanced Due Diligence (EDD).
- Identify potential financial crime risks at their root and propose commercially viable risk mitigation measures.
- Serve as the primary escalation point for complex files, ensuring consistency and analytical depth in risk assessments.
- Maintain the highest standards of attention to detail when handling sensitive information, ensuring strict confidentiality.
- Act as a point of contact between the Onboarding team and key business units, including Compliance, Legal, Sales, and Business Support.
- Foster a collaborative environment where compliance serves as an enabler of business growth rather than a procedural bottleneck.
- Support senior management by preparing detailed reports, risk assessments, and data-driven insights regarding onboarding efficiency.
- Communicate findings and complex regulatory requirements clearly and professionally to all stakeholders.
- Maintain a holistic view of the onboarding landscape to identify operational inefficiencies and propose scalable enhancements to the framework.
- Lead and support key projects to enhance CDD/KYB frameworks, automation, and compliance processes.
- Assist in updating policies and procedures in alignment with evolving UK and EU AML/CTF regulations and industry best practices.
- Participate in internal workshops to ensure the company’s financial crime compliance framework remains robust.
- Provide formal mentorship and technical training to junior analysts to foster a culture of continuous learning and high performance.
- Demonstrate a proactive and adaptable mindset, guiding the team through multiple priorities in a fast-paced environment.
Advanced Due Diligence & Risk Architecture
Strategic Stakeholder Collaboration
Holistic Process Optimisation
Leadership & Mentorship
What We’re Looking For:
- Academic & Professional Background: Possession of a Bachelor's degree in Economics, Law, Politics or a related field, or equivalent work experience.
- Sector Experience: Proven experience in a similar senior role within financial services, payment services, or banking, with a focus on CDD and AML compliance.
- Regulatory Expertise: A profound understanding of UK and EU AML/CTF regulations, KYC/KYB principles, and modern risk assessment frameworks.
- Technical Proficiency: Experience working on compliance-related projects and proficiency in using modern risk management tools.
- Analytical Prowess: Strong analytical and problem-solving skills, with the ability to make informed decisions based on data and regulatory guidelines.
What we offer:
Hybrid working - We offer a hybrid structure with a 3 days / week on site expectation, so you can strike the balance between office and home working. In addition to our 30-day holiday allowance, we also provide a work from abroad policy, enabling employees to work remotely for up to another 30 days per year.
Learning and Development - We offer a 3,000 BRL annual budget to support your professional growth—because investing in your development benefits us all. In addition, we provide leadership cafés, on-the-job training, and other opportunities to help you grow your skills and thrive in your role.
Insurance - Because better safe than sorry - we want our employees to benefit from various insurances including life insurance, health insurance + dental plan and travel insurance.
Meal vouchers - BRL 54/ day - Enjoy a moment of conviviality and a good and balanced meal thanks to your meal vouchers. You will also have the choice between meal allowance, supermarket voucher or both (splitting the total value in two)
Enhance Family Leave - We understand the importance of family - that's why we offer enhanced family leave to support you during key life moments.
Transportation Voucher - we will cover your costs of commute!
Gym membership - PPRO helps contribute towards the costs of your gym membership, supporting your physical fitness journey while easing the burden on your wallet
New Value (Deals & Coupon Platform) - Get attractive discounts to restaurants, stores and events
Mental Health Platform - We’ve teamed up with a top well-being platform to provide one-on-one therapy, chat therapy, therapist-led courses, guided meditations, and more.
SESC - private institution that makes available Education, Health, Culture and Recreational programs and events and provides Social Assistance to our employees and their dependents.
Pet-friendly office- Because work is better with your paw-tners by your side
Our Principles:
We get things done: We are courageous; we take ownership, make decisions and get things done.
We act with trust and integrity: We listen first and challenge respectfully. We seek out and leverage diverse perspectives. We welcome and offer honest and open feedback, always assuming positive intent
We put the customer first: We are laser focused on delivering outstanding outcomes for our customers. We put the customer at the heart of what we do.
We make things better: We boldly explore new ideas and have an unwavering commitment to continuous improvement.
We work as a team: We collaborate closely and value team success over individual achievement.
Skills Required
- Bachelor's degree in Economics, Law, Politics or related field
- Proven experience in senior role within financial services or banking
- Understanding of UK and EU AML/CTF regulations
- Experience with compliance-related projects
- Strong analytical and problem-solving skills
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The Company
What We Do
PPRO is a fintech company that provides digital payments infrastructure to businesses and banks so that they can scale their checkout, acquiring, and risk services through one connection. Payment platforms, acquirers, and merchants that plug into PPRO’s infrastructure are able to access payment methods, fraud screening tools, and other essential products from multiple providers. Every product can be deployed and controlled with clicks, not code. And with the company's orchestration layer directing process flows and data like clockwork, PPRO’s partners can rest easy knowing they’re delivering seamless end-to-end services to their customers. Citi, PayPal, and Stripe are just some of the names that depend on PPRO to accelerate their roadmaps, boost their conversions, and eliminate the complexities of digital payments.
