Junior Officer, AML & CFT and RMCT

• Execute regular Merchant audits by performing detailed post-online, pre-transaction sampling to flag data anomalies before live transaction processing.

• Verify PGW connected Merchant’s website links to identify suspicious and non-suspicious Merchants and systematically store and manage a database.

• Highlight unexpected volume spikes or repetitive link failures in daily PGW connectivity requests to trigger specialized investigative workflows.

• Conduct foundational screening across designated channels to check for suspicious activity, online gambling/betting, or misuse of payment networks.

• Implement and maintain all the modules of MS Excel–based AML&CFT Functional Governance Monitoring Tool to support effective tracking, analysis, and reporting of core departmental functions.

• Coordinate with relevant internal stakeholders to identify additional requirements and update the AML&CFT Functional Governance Monitoring Tool by incorporating them into relevant existing modules.

• Enhance the AML&CFT Functional Governance Monitoring Tool by introducing new module in line with evolving internal functions and reporting needs to enable better visibility and decision-making.

• Provide support in the development and refinement of concepts for integration in AML360 solution by incorporating relevant data, workflow, and reporting requirements.

• Conduct daily monitoring of transactions (including inter-operable) in real-time against defined AML&CFT compliance parameters and identify unusual or suspicious patterns.

• Coordinate with internal stakeholder(s) for development, implementation and refinement of real-time identification mechanisms for transactions (including inter-operable) through the Risk Engine.

• Collect, reconcile and review the list of accounts flagged by the Risk Engine and ensure timely escalation to concerned stakeholder(s).

• Analyze flagged accounts and associated transaction information, and recommend cases for STR/SAR disclosure in line with applicable AML&CFT requirements and internal procedures.

• Support assessment of recurring and extreme cases for potential service restriction, subject to the CECAO & CAMLCO approvals.

• Process relevant cases received through internal stakeholder(s), conduct case-by-case EDD where required, report the findings and coordinate the withdrawal of service restrictions where the EDD outcome supports the case.

• Identify suspicious Merchants and prepare weekly report for the top 6–8 Acquirers for escalation to the concerned stakeholder(s).

• Prepare and raise investigation memos for Management approval on a daily basis, maintain appropriate supporting documentation and ensure timely completion of compliance actions.

• Analyze and correlate the transaction data received, reconcile complaints/queries received through customer touch points, and maintain accurate monitoring records and trackers.

• Coordinate implementation of approved SMS/in-app notification and work closely with relevant internal stakeholders to ensure timely execution of monitoring and control measures.

Job Nature: Desk Job

Working Days: 6 days a week

Working Hours: Roster Duty (Any 8-hour working shift between 8:00 AM and 10:00 PM)

• Salary: BDT. 20,000/-

• 2 Festival Bonuses annually (Subject to eligibility)

• Salary review: Annually

• Age limit: Maximum 30 years

• Experience: 0-1 year (Freshers are encouraged to apply)

Other Requirements:

• Excellent computer skill (Microsoft Excel, Microsoft Word, Microsoft PowerPoint, Internet and System Operation)

• Proficiency in handling data files

• Ability to work within deadlines with defined processes and procedures

• Good communication skill

• Good understanding of AML&CFT concepts and risk-based monitoring will be preferred