KYC Operations Specialist

About Rippling

Rippling gives businesses one place to run HR, IT, and Finance. It brings together all of the workforce systems that are normally scattered across a company, like payroll, expenses, benefits, and computers. For the first time ever, you can manage and automate every part of the employee lifecycle in a single system.

Take onboarding, for example. With Rippling, you can hire a new employee anywhere in the world and set up their payroll, corporate card, computer, benefits, and even third-party apps like Slack and Microsoft 365—all within 90 seconds.

Based in San Francisco, CA, Rippling has raised $1.4B from the world's top investors—including Kleiner Perkins, Founders Fund, Sequoia, Greenoaks, and Bedrock—and was named one of America's best startup employers by Forbes.

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About the role

We are looking for a KYC/Fraud Operations Specialist to join our small, but mighty team. This role will serve as a KYC/Fraud specialist and engage in the daily operations for customer onboarding including business and individual verification. The primary focus of the role will be to review the KYC information provided by customers to ensure compliance with Rippling's AML/KYC policies as well as perform fraud investigation of new and existing customers to protect the Rippling platform.

The ideal candidate will possess excellent time management, strong verbal and written communication skills, and prior experience completing KYC/Fraud operations. They should be able to thrive in a fast paced, high production environment while managing sensitive information and maintaining strong ethical standards.

What you will do

In this role, the candidate will be responsible for conducting KYC reviews and fraud investigations for new and existing customers. This will include customer onboarding, KYC refresh, fraud monitoring and any ongoing KYC that is required.

• This position will analyze customer details and documentation to ensure compliance with Rippling's AML/KYC policies. This role will also review key customer attributes to detect high fraud risk signals and investigate potential fraud risk exposure.
• Perform due diligence on new and existing customers.
• Communicate directly with the customer to facilitate the KYC/Fraud Investigation processes and collect additional documentation, where required.
• Identification and escalation of documentation or activity that appears suspicious.
• Identify potentially prohibited or high fraud risk customers that may require escalation to the compliance and fraud risk teams.
• Source customer data from public sources.
• Ensure KYC follow-up and completion as per SLA frameworks.
• Builds relationships with cross functional teams.
• Incorporate feedback from QA team.
• Maintain detailed records to demonstrate compliance with AML/KYC policies and fraud review procedures.
• Work a US EST/PST Time Zone shift to collaborate with relevant stakeholders

What you will need

• Minimum 2+ years* of KYC and fraud related experience preferred. A focus on legal entities and beneficial ownership is a plus.
• Familiarity AML/KYC regulations and industry guidelines
• Familiarity with various fraud scenarios within payment and Fintech industries
• Prior work experience at a bank or Fintech is a plus.
• BA/BS degree.
• Exceptional attention to detail.
• Strong time management and organizational skills.
• Ability to execute tasks at high speed.

Additional Information

• This role requires you to work in the EST/PST shift.
• This role will be based onsite in our Bangalore office (3x/week). Rippling highly values having employees working in-office to foster a collaborative work environment and company culture. For office-based employees (employees who live within a 30 km radius of a Rippling office), Rippling considers working in the office, at least three days a week under current policy, to be an essential function of the employee's role.

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