Position Overview The successful candidate will conduct risk-based periodic reviews of customer files to ensure compliance with AML/CFT regulations and internal policies. This role requires meticulous attention to detail, strong analytical skills, and the ability to manage deadlines in a high-stakes environment.
Key ResponsibilitiesPeriodic Reviews & Due Diligence
Execute periodic customer file reviews according to assigned risk levels:
High Risk: Annual reviews
Medium Risk: Triennial reviews
Low Risk: Quinquennial reviews
Conduct Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) for high-risk clients across Retail and Private Banking (individuals & corporates).
Analyze transactional activity to verify alignment with declared account purposes and expected behavior.
Risk Mitigation & Reporting
Escalate gaps in KYC documentation, AML concerns, or regulatory non-compliance.
Perform World Check screenings and Adverse Media checks; synthesize findings for review.
Submit Suspicious Activity Reports (SARs) as per internal protocols.
Data Integrity & Collaboration
Update client risk ratings and ensure accuracy in the Bank’s systems (e.g., [Bank's CRM System]/[Internal Database Systems]).
Maintain audit-ready records of review outcomes, actions taken, and documentation.
Collaborate with cross-functional teams (e.g., Relationship Officers, Control Unit) to resolve discrepancies.
Performance Tracking
Generate summary statistics on completed tasks and pending actions.
Support team leadership in meeting regulatory deadlines.
Qualifications & Experience
Education: Bachelor’s degree (UK 2:1 or equivalent).
Technical Skills:
Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint).
Familiarity with corporate structures (Trusts, SPVs) and EDD processes.
Regulatory Knowledge: Working understanding of AML frameworks (FATF, JMLSG, FCA, MLRs).
Career Interest: Commitment to professional growth in Financial Crime compliance.
Core Competencies
Organizational Excellence: Self-motivated with strong prioritization skills.
Analytical Rigor: Ability to identify patterns and inconsistencies in complex data.
Communication: Build rapport with stakeholders through clear, concise dialogue.
Team Collaboration: Thrive in a small, dynamic team environment.
Success Metrics
Deliver consistent, high-quality output under tight deadlines.
Foster trust with Relationship Officers to obtain accurate client insights.
Proactively adapt to evolving regulatory requirements.
