Job Opportunities API

payabl. empowers businesses to grow through payments innovation and banking services. Our ambition is to expand our strong portfolio of global financial services we provide to businesses and make them all available in one place on our platform we call payabl.one. As a licensed financial company with principal membership with card schemes, we specialize in global payments and providing businesses with multi-currency accounts. About the Role: We are looking for an experienced and detail-oriented Client Due Dilligence Officer (Periodic Reviews) to join our Customer Due Diligence team, with a primary focus on periodic and ad-hoc reviews. The successful candidate will play a critical role in ensuring that our existing client base is reviewed in line with our AML/CFT policies, regulatory obligations, and internal risk appetite. Location: Cyprus Office Reporting to: Head of CDD What You’ll Do: Conduct periodic reviews of existing clients in accordance with the Company's CDD Procedure, AML/CFT Policy, risk-based timelines, and applicable regulatory requirements. Review, assess, and verify client documentation including corporate documents, UBO information, source of funds/wealth, financial statements, and any other information required under the AML framework. Perform screening and rescreening of clients, UBOs, and Business Officials against sanctions lists, PEP databases, and adverse media sources; escalate findings as appropriate. Assess and update client risk ratings following periodic reviews, in line with the Company's risk methodology and Customer Acceptance Policy. Identify and escalate cases requiring Head of CDD, AMLCO, Senior Management approval. Prepare and maintain accurate, complete, and audit-ready client files. Liaise directly with clients to request outstanding documentation, explaining requirements clearly and professionally. Collect expired IDs from clients on timely manner. Collaborate with the AML, Risk, Compliance, Legal, Client Relationship teams to resolve complex or escalated cases. Contribute to the continuous improvement of CDD processes, checklists, and internal procedures. Support the AMLCO and Senior Management in preparing reports, and regulatory submissions relating to the periodic review program. Ensure all reviews are completed within agreed SLAs and accurately tracked in the Company's case management system following each review. What we are looking for: Minimum 2 years of experience in a CDD, KYC, or AML role within a regulated financial institution, Payment Institution, or Electronic Money Institution. Solid understanding of Cyprus AML/CFT/Sanctions regulatory framework. Knowledge of FCA AML framework is also preferable. Proven experience conducting periodic reviews and EDD on corporate clients,including complex ownership structures. Experience with UBO identification, corporate structure analysis, and source of funds/wealth verification. Ability to independently assess risk and make sound, well-documented judgments. Strong attention to detail with excellent written and verbal communication skills in English. Experience using case management or workflow systems (e.g., Jira or similar). Ability to manage a high-volume caseload while maintaining quality and meeting deadlines. Desirable Professional AML/compliance certification (e.g., ICA Certificate/Diploma, ACAMS, CAMS). Experience within the payments industry, specifically with merchant onboarding or periodic reviews. Familiarity with screening tools such as WorldCheck, Complytek, Dow Jones, or similar. Experience working with clients across multiple jurisdictions, including high- risk countries. The perks of being a payabl.er in Cyprus Office:    Future-Proof Your Finances: Once you’ve passed probation, we’ll kickstart your Provident Fund to secure your future.  Grow with Us: Annual Learning Budget for professional development (eligible after probation)—because your growth is