Client Due Diligence Manager

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: The Client Due Diligence Manager (Onboarding) is a key member of payabl.'s established CDD Team, responsible for standardizing and optimizing the global onboarding process across all products and entities. By centralizing due diligence activities previously managed across different teams and locations, this team enhances operational efficiency, regulatory compliance, and risk monitoring—supporting payabl.’s continued growth as a global payment solutions provider. In this role, you will oversee the end-to-end due diligence process for new merchants, partners, and third parties, ensuring full compliance with relevant regulations. As the primary client contact during onboarding, you will work closely with internal stakeholders across Sales, Customer Success, AML, Product, Risk, and Finance to facilitate seamless and compliant onboarding experiences. Success in this position requires critical thinking, autonomy, and the ability to handle complex cases while building strong relationships with both internal teams and external partners. Location: Cyprus Office Reporting to: Head of CDD What You’ll Do: Customer Due Diligence: Perform end-to-end CDD, reviewing prospect cases and conducting risk assessments to categorize and monitor customers accurately. Approval & Escalation: Approve low- and medium-risk merchants and escalate high-risk or complex cases to regional MLROs/AMLCOs with detailed analysis. Client Engagement: Serve as the main point of contact during client onboarding, building strong relationships, guiding clients through the process, and ensuring all regulatory requirements are met. Due Diligence & Risk Screening: Identify and verify client information, analyze operations, and gather necessary data to understand their business activities. Screen for PEP/Sanctions and other risk factors, escalating cases when needed. Collaboration & Reporting: Work closely with AMLCOs/MLROs on case analysis, prepare suspicious activity reports (SARs), and update CDD procedures to maintain alignment with company policies. Compliance & Documentation: Ensure data integrity and confidentiality while maintaining accurate customer files in line with KYC regulations. Stakeholder Interaction: Collaborate with various departments (Legal, AML, IT, Product, Risk, Sales) to ensure CDD process alignment and respond to RFIs from banking and third-party partners. Audit Support: Participate in audits and regulatory inspections, providing necessary documentation to demonstrate compliance. Who you are: You are a detail-oriented, analytical professional with a strong background in compliance and due diligence. You have a deep understanding of CDD/KYC frameworks, regulatory requirements, and risk assessment methodologies. You can work autonomously while managing multiple priorities and communicating effectively with stakeholders at all levels. What we are looking for: 5+ years of experience in AML, CDD, or risk management within fintech, banking, or payments. Strong knowledge of CDD/KYC processes, AML regulations, and compliance frameworks. Experience handling B2B clients, particularly in banking and acquiring sectors. Ability to explain compliance requirements clearly and manage client relationships. Confident working autonomously and making decisions when needed. Proficiency in screening tools, risk assessment frameworks, and case management systems. Strong analytical skills with the ability to multitask and act quickly. Proactive and results-driven, with a positive approach to overcoming challenges. AML certification (e.g., CAMS or equivalent) will be a huge plus. 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 our growth. Wolt Your Way Through Lunch: €150 monthly Wolt allowance to keep you fueled and happy. Stay Active Your Way : Enjoy a SportsBenefits membership giving you access to a wide variety of gyms and sports facilities to support your active lifestyle. Drive in Style: After one year with us, you may be eligible for a company car—performance and availability permitting. Park with Ease: Complimentary parking space just steps from the office, so your commute is as smooth as your workday. Max Out Your Downtime: 25 days of vacation + public holidays, plus an additional 10 sick days. Shop & Save: Exclusive local discount card + tickets for exciting events like Beonix, basketball games, and more. Speak Like a Local: Join free Greek language classes, twice a week, open to all team members. Celebrate Together: We bring colleagues from all offices together for unforgettable company celebrations. Global Collaboration & Events: Opportunities to participate in international company events and initiatives, connecting with colleagues from all regions and contributing to a truly global community 👉Please note that if you will be hired in Poland, your assigned Talent Acquisition Partner will walk you through the specific working arrangements and any applicable conditions during the process. 🚀 Our Hiring Process: First Interview: Conducted by the Talent Acquisition team (30-40 min). Technical Interview : A 1 hour interview with the Head of CDD and CDD Lead Final Interview - Focused team fit at our premises, with participation from the Chief Regulatory Officer, Head of CDD and Group CCO/Group Deputy CEO. Let's embark on a journey to redefine the landscape of payments together. We're not just offering a role; we're inviting you to be a part of something bigger. Join our team, and let's innovate, disrupt, and lead the future of payments. Together, we can make an impact that resonates. 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