The KYC Manager role is based in the United Kingdom and will report to the Chief Compliance Officer of Airbnb Payments UK Ltd. (APUK). The successful candidate will be responsible for conducting a periodic Know Your Customer (KYC) review in line with UK regulations to fulfil KYC requirements and will serve as the POC for UK and rest of the world for KYC and sanction reviews.  You will act as a liaison with the Airbnb Payments global team on policy, program updates, strategy and ad-hoc projects within these areas. You will also be an alternate POC for the UK regulator/FIU for requests for information. The successful person will be expected to deliver against targets for both productivity and quality.

General Responsibilities:

• Review escalated, higher risk or complex requests from KYC analysts to provide guidance and direction
• Assess and approve high risk customers and their activities, and help in risk assessing customer profiles and managing investigations
• Understand forthcoming UK AML and KYC regulations and incorporate policies and procedures in APUK
• Document and implement KYC policy and procedural exceptions; escalate issues as needed
• Draft and submit SARs to the NCA and other competent authorities
• Provide support and payments compliance subject matter expertise to investigations and operational teams as well as internal stakeholders
• Ensure UK regulatory payments compliance obligations are being met 

KYC Responsibilities:

• Oversee the due diligence and documentation on Airbnb users
• Apply a risk-based approach to KYC
• Periodically evaluate existing users according to established policies and procedures
• Investigate high risk clients and make recommendations where appropriate to the CCO, including Politically Exposed Persons, and obtain all necessary documentation to complete the client file 
• Thoroughly document the research and analysis related to the financial activity and related entities of users, for an audience that includes management, regulators, and auditors

Requirements:

• 2-3 years of experience in similar position / minimum 5 years working experience in financial services
• E-Money, payment platforms or retail banking KYC experience highly preferred
• Understanding of 5th Money Laundering directive and UK AML and KYC regulations
• Familiarity with the regulatory authorities of the United Kingdom ( FCA, NCA, OFSI, HMRC and HM Treasury)
• Sound understanding of AML and CTF framework in the UK and EU
• Understanding of KYC, CDD and AML principles and in-depth knowledge of corporate structures
• Exposure to KYC for complex legal entities, enhanced due diligence and evidence of having analytical approach
• Experience using external data sources from various KYC vendors
• Strong written and verbal communication
• Working knowledge of MS office- Excel, Word, Outlook and other applications
• Ability to manage performance and targets in a fast paced, target-driven, and high-pressure environment
• Fluency in English and another European language (preferred)