Compliance Officer (KYC/AML)

This full-time, on-site Compliance Officer position is based in Lahore and focuses on KYC (Know Your Customer) and AML (Anti-Money Laundering) processes. The role is critical in ensuring that all financial products and services comply with both internal policies and external regulatory requirements. The Compliance Officer will be responsible for reviewing customer onboarding documentation, conducting risk assessments, monitoring transactions for suspicious activities, and escalating cases that require enhanced due diligence. Additionally, the role involves maintaining and updating compliance procedures, preparing reports for internal stakeholders and regulators, and supporting audits and inspections.

Key Responsibilities:
- Oversee KYC and AML processes to ensure compliance with regulatory standards and company policies.
- Review customer onboarding documents and perform thorough risk assessments.
- Monitor financial transactions to detect and report suspicious activities promptly.
- Escalate cases requiring enhanced due diligence to appropriate teams or authorities.
- Maintain and update compliance manuals, procedures, and documentation regularly.
- Prepare detailed reports for internal management and regulatory bodies.
- Support internal and external audits and regulatory inspections.
- Collaborate closely with operations, product development, and finance teams to enhance compliance controls.
- Provide compliance guidance and contribute to the continuous improvement of the compliance framework.

Required Qualifications:
- Proven experience in Compliance Management and Regulatory Compliance, particularly within KYC/AML frameworks and policies.
- Strong analytical skills to review data, assess risks, identify patterns, and investigate unusual or suspicious activities effectively.
- Excellent communication skills to liaise with internal teams, prepare clear reports, and explain compliance requirements.
- Foundational knowledge of finance, including understanding financial products, payment flows, and associated risks.
- Relevant experience in financial services, fintech, or banking environments with direct exposure to KYC/AML processes.
- Good understanding of local and international AML regulations and guidelines.
- Ability to work methodically, handle sensitive information with discretion, and make well-documented decisions.
- Bachelor’s degree in Finance, Business, Law, Economics, or a related field.

Preferred Qualifications and Benefits:
- Certifications in compliance or AML, such as CAMS (Certified Anti-Money Laundering Specialist), are highly advantageous.
- Advanced education or training in compliance, risk management, or related disciplines is a plus.

This role offers the opportunity to work in a dynamic environment where compliance plays a vital role in safeguarding the organization’s integrity and reputation. The successful candidate will be part of a collaborative team focused on strengthening controls and ensuring regulatory adherence across all business functions.