KYC & ODD Analyst – High-Risk Onboarding

ADIB - Abu Dhabi Islamic Bank; Abu Dhabi; On-site; AED 120,000 - 180,000; Full time

Job summary

ADIB - Abu Dhabi Islamic Bank is seeking an Associate Analyst for KYC, HRO and ODD to perform due diligence for high-risk onboarding, name screening, and KYC refreshes in ongoing due diligence. You will assess client risk, raise RFIs, and ensure compliance with regulatory requirements and SLAs.

The role requires strong knowledge of KYC procedures for business banking, with emphasis on SME risk profiles and robust analytical and communication skills.

Qualifications

• Bachelor’s degree in business studies, law, accounting, economics or commerce, or risk management training.
• Knowledge of KYC procedures and banking compliance.
• Experience with KYC on-boarding and refresh for SME/business banking.
• Analytical skills to assess client risk and identify red flags.
• Strong written and verbal communication; ability to explain compliance clearly.

Responsibilities

• Assess completeness and quality of initial KYC documentation for existing Business Banking Customers to ensure required as part of CDD / EDD efforts and documentation are in accordance with applicable Ongoing Due Diligence Procedures.
• Ensure adherence to mitigating Compliance risk / Central Bank regulatory requirement while performing reviews of cases raised to GCD for ODD.
• Ensure raising appropriate clear and precise request for Information (RFI’s) for information /documentation wherever applicable as per KYC Onboarding and ODD Procedure.
• Analyze KYC data, documentation, and negative news to determine Client Risk Profile as established under the ADIB KYC Ongoing Due Diligence procedures and provides guidance / input to the Business on all KYC issues including KYC refresh.
• Identifying red flags linked to Financial Crime while performing Ongoing Due Diligence through analysis of information /transaction etc.
• Conduct name screening of the customers and the related parties identified in customer’s profiles including (but not limited to) shareholders, Directors, Authorized signers, Nominee. Suppliers /Customers (Related Parties)
• Ensuring KYC refresh through workflow is duly completed during the ODD process.
• Ensuring that all SLAs defined with the Business on timeliness and quality are adhered.
• Demonstrate the ability to adapt timely and adequately to the new policies, procedures, and system knowledge.
• Involve in any system related update activities or new processes, if required.
• Involve in any ad-hoc activities or responsibilities given by the management to support the unit.

Skills

KYC procedures

Risk management

Name screening

Business Banking (SME)

KYC onboarding

KYC refresh

Compliance procedures

IT systems

Analytical skills

Written and oral communication

Interpersonal skills

Relationship building

Judgment

Problem solving

Education

Bachelor’s degree in business studies, law, accounting, economics or commerce OR risk management training

Job description

ADIB - Abu Dhabi Islamic Bank is seeking an Associate Analyst for KYC, HRO and ODD to perform due diligence for high-risk onboarding, name screening, and KYC refreshes in ongoing due diligence. You will assess client risk, raise RFIs, and ensure compliance with regulatory requirements and SLAs.

The role requires strong knowledge of KYC procedures for business banking, with emphasis on SME risk profiles and robust analytical and communication skills.