Client Onboarding & Transaction Monitoring Officer/executive

Client Onboarding & Transaction Monitoring Officer/Executive

The Client Onboarding & Transaction Monitoring Officer/Executive supports ACE Money Transfer's operational integrity by ensuring seamless onboarding of customers and real-time monitoring of financial transactions across multiple global corridors. The role focuses on reviewing customer information, validating documentation, assessing transaction behaviour, and ensuring that both customer profiles and payment flows align with internal policies and regulatory expectations.

This position acts as a front-line gatekeeper, helping to ensure that genuine customers are efficiently onboarded while monitoring for any unusual or suspicious activities in cross-border money transfers.

Key Responsibilities

Client Onboarding

1. Review and verify customer profiles and documentation submitted during onboarding via ACE's web and mobile platforms.
2. Ensure accurate completion of KYC (Know Your Customer) requirements based on origin and payout country regulations.
3. Perform identity verification checks, flag incomplete profiles, and work with customers to correct missing or incorrect data.
4. Approve customer registrations once all onboarding requirements are met and escalate high-risk cases as needed.
5. Assist customers via email or system-based communications to clarify onboarding requirements.

Transaction Monitoring

6. Monitor real-time and post-transaction activity using ACE's transaction monitoring system.
7. Review flagged transactions for unusual patterns or potential red flags, such as structuring or rapid high-value transfers.
8. Approve routine transactions that meet expected behavior; hold or escalate those requiring further review.
9. Follow up with senders/customers to request clarification or documentation for transactions placed on hold.
10. Process transactions promptly while maintaining a strong focus on fraud prevention and risk mitigation.

Operational Coordination

11. Work closely with other operations and customer support teams to resolve customer issues related to onboarding or transaction holds.
12. Prepare summaries and reports related to onboarding efficiency and transaction monitoring.
13. Communicate regularly with interdepartmental teams regarding process changes, customer trends, or system issues.
14. Ensure that all actions taken during onboarding and transaction monitoring are logged in the system accurately and promptly.

Regulatory Awareness & Adherence

15. Maintain a basic understanding of AML/KYC standards relevant to the MSB/remittance industry.
16. Adhere to ACE's internal policies and procedures regarding onboarding, verification, and transaction handling.
17. Stay updated on key compliance requirements related to frontline monitoring and promptly report any unusual cases to senior team members or the Compliance Manager.

Requirements

Education

• Bachelor's degree in Business, Finance, Banking, or a related field (or equivalent practical experience).

Experience

• 1–3 years of experience in customer onboarding, transaction monitoring, or operational roles within a money transfer, fintech, or financial services company.
• Familiarity with remittance systems and digital customer onboarding processes is preferred.

Skills

• Strong attention to detail and ability to follow structured procedures.
• Good analytical and decision-making skills, especially when assessing transaction behaviours.
• Effective communication skills to interact with customers and internal teams.
• Ability to multitask and manage time effectively in a high-volume environment.
• Comfort working with digital platforms, monitoring tools, and case management systems.

Attributes

• Integrity and commitment to handling sensitive financial data responsibly.
• Customer-focused mindset with a problem-solving approach.
• Team player with a proactive attitude.
• Willingness to learn and adapt to regulatory and system changes.
• This role is essential in maintaining ACE's reputation for trust, speed, and compliance across every customer transaction.