This is ANZ Worldline Payment Solutions 

ANZ Worldline Payment Solutions is a joint venture between one of Europe’s leading payment technology companies, Worldline, and ANZ Banking Group.

We launched in Australia in early 2022, providing in-store and ecommerce payment solutions to around 60,000 Australian businesses. Since then, we’ve built a new modern technology platform to enable us to bring an exciting roadmap of products and solutions to our customers, as payments technology and consumer preferences evolve.

What’s it like to work with us? We bring together the spirit of a fintech with the heritage of a big four bank. And while our expertise, products and services make us a leader in payments, our people, purpose, values and culture are the core of our organisation. As an equal opportunity employer, we know our success comes from new insights, diverse points of view and the energy of every member of our growing team.

It’s an exciting time to be part of our team. Find out more about ANZ Worldline Payment Solutions here.

The opportunity

As a Customer Due Diligence Analyst, you will play a vital role in defending our company’s integrity. You will execute precise customer risk assessments that not only uphold regulatory trust but also redefine the onboarding experience, ensuring seamless and efficient customer interactions. Situated at the core of ANZ Worldline’s first-line operations, you will be instrumental in conducting comprehensive due diligence processes for Small-Medium Business (SMB) and Enterprise merchant acquiring customers, significantly impacting the company’s safe growth and customer satisfaction.

Reporting directly to the Team Lead of Customer Due Diligence, your expertise will be crucial in executing Customer Risk Assessment, Customer Due Diligence, Application Fraud Analysis, and Credit Assessment with delegated credit approval authority.

Your contributions will be central in navigating AML/CTF Rules, Scheme Rules, and Worldline Group Merchant Acceptance Rules and Requirements (MARR), as well as other regulatory mandates within the Australian market. You will safeguard ANZ Worldline against potential exposures to money laundering/terrorism financing (ML/TF) risks, fraud risks, and credit risks.

In this key role, you will be the first line of defense, ensuring effective customer risk management, thereby reinforcing organizational resilience and delivering a superior customer experience.

Key Outcomes and Impact:

• Seamless, Value-Driven Merchant Onboarding: Deliver a customer-focused experience by meeting operational targets for customer due diligence queue cases with high accuracy and within targeted timeframes and quality scores.
• Risk Management Proficiency: Utilize resources, technical tools, and data analytics to accurately assess customer risk profiles and conduct due diligence processes, ensuring compliance with AML/CTF, MARR, and credit risk requirements.

Key Responsibilities:

• Conduct Comprehensive CDD Activities: Perform all facets of Simplified, Standard, and Enhanced Customer Due Diligence to mitigate SMB/ Enterprise risk and adhere to compliance standards.

• Facilitate Customer Engagement: Proactively communicate with customers to request and collect the required KYC/ MARR/ Credit information, ensuring full compliance with regulatory requirements. Strive to ensure a positive customer experience throughout the process by maintaining clear, courteous, and responsive communication.

• Perform Credit and Fraud Checks: Assess new and existing SMB/ Enterprise merchants to pre-empt financial losses associated with credit and fraud risks.
• Ensure Data and Documentation Integrity: Maintain accuracy and completeness of customer data and documentation in accordance with AML/CTF regulations and credit risk policies and standards.
• Customer Risk Assessment: Assign appropriate AML/CTF and credit risk levels to merchants, ensuring compliance with ANZ Worldline risk management policies and standards.
• Operational Excellence: Manage daily operations within established organizational policies and procedures, maintaining adherence to agreed Service Level Agreements (SLAs).
• Optimize Customer Onboarding: Collaborate across ANZ Worldline to enhance the customer onboarding process, balancing efficiency with risk management.
• Manage Customer Triggers and Risk Alerts: Address customer event-driven triggers and risk alerts, maintaining vigilance across risk vectors.
• Identify and Report on Compliance Matters: Identify and report AML/CTF compliance issues, ensuring alignment with the AML/CTF program and ANZ Worldline’s policies.
• Support CDD Systems and Processes: Assist the Team Lead in creating and maintaining risk systems, processes, and procedural documentation.
• Continuous Improvement: Partner with the Team Lead and other teams to regularly review and optimize risk systems, processes, and procedures for enhanced efficacy.

Competencies & Knowledge:

• Organizational Acumen: Strong planning and organizational skills to manage multiple tasks efficiently.
• Influencing and Negotiation Expertise: Ability to effectively persuade and negotiate with stakeholders.
• Communication Clarity: Excellent written and verbal communication and presentation capabilities.
• Commercial Insight: Deep commercial awareness and industry knowledge.
• Results Orientation: Driven by results, with the ability to perform effectively under pressure.
• Technological Proficiency: Advanced knowledge of Microsoft Office products, including PowerPoint and Excel, and proficiency in data analysis, credit, and customer due diligence tools.
• Cultural Agility: Multicultural mindset with a flexible approach, enabling efficient multitasking within an international milieu.
• Analytical Skills: Strong attention to detail and problem-solving abilities.

Experience:

• 2+ years of experience within a customer due diligence environment, with expertise in KYC, AML, Fraud, and Credit processes.
• At least 1 year of experience in a payments or technology-driven organization.
• Previous experience in a merchant acquiring environment.

Education:

• Bachelor’s Degree in Commerce, Accounting, Economics, Finance, or a related field.
• Industry Certification, such as ACAMS, is preferred.

Benefits

At ANZ Worldline Payment Solutions, we work in a flexible environment that empowers you to learn, grow and accelerate your career. You’ll have access a great mix of benefits, including:

• A range of health and wellbeing discounts for gym, nutrition, sporting gear providers.
• Learning and development opportunities to build your skills.

• Additional leave options to support families, work in the community or take a career break. You’ll also earn loyalty leave for your tenure.
• Regular opportunities to connect socially as a team.
• Volunteering leave to support Corporate Social Responsibility activities.
• Plus other perks and benefits (e.g. novated leasing options).

We have modern offices and services to support our people including a parent’s room, prayer room, and end of trip facilities. We also provide employee assistance services including counselling, to support managers, employees and their families.

Shape the evolution

We are on an exciting journey towards the next frontiers of payments technology, and we look for problem solvers, people with passion, a can-do attitude and a hunger to learn and grow. Here you’ll work with colleagues from around the world and take on unique challenges as a team, to support businesses right across Australia. With an empowering culture, strong technology and training opportunities, we help you accelerate your career - wherever you decide to go. Join our global team of 18,000 innovators to shape the payments evolution.

Learn more here about working at ANZ Worldline Payment Solutions.

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