Buisness Risk Unit Analyst (Onboarding)

Santander; Genf; Vor Ort; CHF 120.000 - 150.000; Vollzeit

Zusammenfassung

Banco Santander International S.A. in Switzerland is seeking an experienced professional to support the Business Risk Unit with KYC/AML periodic reviews for low- and medium-risk accounts, and to assist with onboarding and ongoing account maintenance.

You will analyse client documentation, gather information, assess risk, and work with Legal, Compliance, and Front Office to ensure compliance with Swiss regulations and internal policies.

Qualifikationen

• Bachelor's degree or equivalent qualification.
• 5–7 years in financial services, especially onboarding and account maintenance.
• Strong understanding of Banking, Regulatory, Legal, Compliance, and Onboarding processes.
• Excellent discretion and trustworthiness.

Aufgaben

• Review and analyse client documentation for new account openings and changes.
• Gather all relevant information to assess client risk and ensure regulatory compliance.
• Support KYC/AML periodic reviews for low- and medium-risk accounts.
• Collaborate with Legal, Compliance, and Ad to streamline processes.
• Assist in audits and respond to auditor queries.
• Assist with onboarding and ongoing client servicing tasks.

Kenntnisse

KYC/AML knowledge

Attention to detail

Regulatory compliance

Analytical thinking

Discretion

Team collaboration

MS Office proficiency

Ausbildung

Bachelor's degree or equivalent

Tools

Microsoft Office

Excel

Word

Access

Outlook

Jobbeschreibung

Responsibilities

Support the Business Risk Unit team at Banco Santander International S.A. in day-to-day operations, with a focus on prioritising and completing KYC/AML periodic reviews for low- and medium-risk accounts. The main responsibilities include managing new account openings by reviewing and analysing 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-organised and timely manner, gaining hands‑on experience in client onboarding and account maintenance while ensuring compliance with applicable regulations.

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 prioritising and completing KYC/AML periodic reviews for low- and medium-risk accounts. The main responsibilities include managing new account openings by reviewing and analysing 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-organised 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.