وصف الوظيفة
Role Overview
Analyst - KYC & Onboarding - Personal Banking at First Abu Dhabi Bank. The role is based in the United Arab Emirates and focuses on Know Your Customer (KYC) review and client onboarding processes within the Personal Banking division.
Role Purpose
Perform independent reviews and approvals of KYC files during client onboarding and periodic reviews. Ensure all KYC documentation is complete and compliant with bank policies, UAE Central Bank regulations, and Group CDD standards. Identify, assess, and mitigate AML, CTF, and Sanctions risks before onboarding or retaining clients.
Key Responsibilities
KYC Review & Due Diligence
- Handle day-to-day KYC maker activity of reviewing KYC files and performing all required checks and controls to ensure completeness and readiness for final review and approval.
- Conduct end-to-end KYC Due Diligence for new-to-bank onboarding, trigger events, or periodic reviews.
- Perform independent end-to-end review, analysis, and approval for all GPB cases including onboarding, trigger-based, and periodic reviews.
- Verify account opening forms have been completed adequately and have been verified.
Compliance & Risk Assessment
- Review AML and Sanctions Questionnaires where applicable.
- Conduct and review name screening, due diligence, and adverse media matches where applicable.
- Conduct and review the appropriateness and completion of Customer Risk Assessment where applicable.
- Ensure CDD information and documentation is complete in line with bank policies, procedures, and local regulatory requirements.
- Ensure compliance with UAE Central Bank regulations and FAB bank policies and procedures related to CDD, AML/CTF, PEP, and Sanctions.
- Follow Group CDD, departmental SOPs, relevant checklists, and process notes.
- Ensure adherence to all internal policies and procedures and external regulatory requirements at all times.
- Follow defined RCSA and identify KRIs where applicable.
Quality Assurance & Controls
- Ensure appropriate checks and controls within the team to ensure files are processed correctly.
- Manage the book of work to ensure all High Risk Entity files are completed timely.
- Escalate name screening hits to appropriate advisory teams within Compliance and Fraud.
Stakeholder Support & Training
- On need basis support AVP and VP KYC & Onboarding to discuss process-related issues and challenges and take necessary action where applicable.
- Support the unit in appropriate need-based trainings to Offshore team and business segments where appropriate.
- Develop and manage positive working relationships with all stakeholders across business lines and supporting functions.
- Support line manager and other teams within Risk & Controls through providing timely assistance and solutions on need basis.
- Resolve conflicts and provide effective solutions to stakeholders.
- Efficient coordination with key stakeholders to get the job done in timely manner.
- Prioritize and maintain discipline in partnership with local business. Communicate consistency to internal and external stakeholders to ensure KYC cases are accepted through approved channels and expectations are managed appropriately.
Reporting & MI
- Ensure all departmental trackers are timely maintained.
- Prepare KYC reviews and process-related presentations and dashboards on an ad-hoc basis.
- Interact with stakeholders and help the KYC teams achieve KPIs.
General Duties
- Manage ad-hoc and administrative activities as deemed appropriate and assigned by line managers.
Qualifications & Experience
- Bachelor's degree or higher in Management, Banking, Finance, or preferably with certification in Compliance, KYC/AML/CFT, Financial Crime, or Risk Management.
- Minimum of 8-10 years of experience in a reputed bank.
- At least 5 years of technical experience across various aspects of Regulatory and Financial Crime Compliance, including local and international requirements, FATCA, CRS, GDPR, AML, KYC, etc.
- Internal Audit experience and Compliance Assurance background would be considered an asset.
Skills & Competencies
- Compliance
- KYC
- AML
- CFT
- Financial Crime
- Risk Management
- Regulatory Compliance
- FATCA
- GDPR
- Customer Due Diligence (CDD)
- AML/CTF
- PEP
- Sanctions
- Name Screening
- Customer Risk Assessment
- Stakeholder Management
- MI Reporting
- Presentation Preparation
- Dashboard Preparation
- Risk & Controls
- Relationship Management
- Training & Knowledge Sharing
- RCSA
- KRI Identification
- Pro-active and business-oriented approach with proven ability to prioritize, manage conflicting demands, and ability to assess.
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