Buisness Risk Unit Analyst (Onboarding)

Banco Santander; Lavamünd; Vor Ort; EUR 95.000 - 137.000; Vollzeit

Zusammenfassung

Banco Santander International S.A. seeks a Business Risk Unit Analyst (Onboarding) for a one-year temporary position in Switzerland.

The role focuses on KYC/AML periodic reviews for low- and medium-risk accounts and on reviewing and approving new account openings to ensure regulatory compliance. You will work with Front Office and Compliance teams to streamline onboarding processes, support ongoing projects, and assist in audit fieldwork while maintaining thorough documentation for individuals,

Qualifikationen

• Bachelor's degree or equivalent qualification.
• 5–7 years of relevant experience in financial services, especially onboarding and account maintenance.
• Strong knowledge of Banking, Regulatory, Legal, Compliance, and Onboarding processes.
• High discretion and trustworthiness; proficient with MS Office tools.

Aufgaben

• Review and analyze client documentation for new account openings and changes.
• Ensure compliance with CDD and tax regulations (FATCA and CRS).
• Perform KYC/AML periodic reviews for low- and medium-risk accounts.
• Collaborate with Legal, Compliance and Ad to streamline processes and procedures.
• Support audit fieldwork and respond to auditor queries.
• Coordinate with Front Office to ensure policy compliance.

Kenntnisse

KYC/AML

Onboarding

Regulatory compliance

Documentation review

Spanish and English

Ausbildung

Bachelor's degree

Tools

Excel

Word

Access

Outlook

Jobbeschreibung

Buisness Risk Unit Analyst (Onboarding) Country: Switzerland

Temporary position (1 year)

Responsibilities

Support the Business Risk Unit team at Banco Santander International S.A. in day-to-day operations, with a focus on prioritizing and completing KYC/AML periodic reviews for low- and medium-risk accounts. The main responsibilities include managing new account openings by reviewing and analyzing client documentation, gathering all relevant information, and assessing client risk to ensure compliance with internal policies and regulatory requirements. You will also support service-related tasks in a well-organized and timely manner, gaining hands‑on experience in client onboarding and account maintenance while ensuring compliance with applicable regulations.

You will support the unit with the following tasks:

• Analysis of documentation related to account openings and changes to existing client accounts for both individuals and legal entities (e.g., companies, foundations, and trusts) across Latin America and EMEA.


• Work closely with the Front Office to ensure compliance with the Bank's business policies, internal procedures, and applicable Swiss regulatory requirements (e.g., CDB 20).


• Ensure compliance with client due diligence (CDD) requirements and applicable tax regulations (FATCA and CRS).


• Review KYC documentation to ensure that the purpose of the account and the nature of the business relationship are clearly documented.


• Perform KYC/AML periodic reviews for low- and medium-risk accounts.


• Cooperate with relevant stakeholders (Legal, Compliance, Ad) to continuously streamline and improve processes and procedures.


• Support the unit in the delivery of ongoing projects and other business initiatives.


• Support audit fieldwork, including preparing files and responding to auditor queries.

Profile

• Bachelor's degree or equivalent qualification.


• Minimum 5–7 years of relevant experience in the financial services or banking industry, particularly in client onboarding, account opening, and account maintenance (e.g. changes to existing client accounts).


• Sensitivity to the risks inherent to the function.


• Strong technical knowledge of Banking, Regulatory, Legal, Compliance, and Onboarding processes.


• High level of discretion and trustworthiness.


• Skilled IT user with the ability to adapt to new or complex tools and to use standard Microsoft Office applications efficiently (Excel, Word, Access, Outlook, etc.).


• Good planning and organizational skills, with a strong problem-solving mindset.


• Dynamic, proactive, and capable of completing tasks independently.


• Adaptable, personable team player with a \"can-do\" attitude and strong interpersonal skills.


• Ability to work effectively in a multidisciplinary team.


• Strong team player with a collaborative mindset.


• Eager to learn.

Languages

• Fluent in Spanish and English (written and spoken).


• Portuguese ,French and/or Arabic will be highly valued.

Requirements

• Eligible to work in Switzerland.