AML & Financial Crime Analyst - Associate-level (m/w/d)

SMBC Group; Düsseldorf; Hybrid; EUR 48,000 - 72,000; Full time

Benefits offered by this job

Hybrid working

Private medical insurance

Learning & development opportunities

Flexible paid leave

Job summary

SMBC Group in Düsseldorf is seeking a diligent KYC/AML professional to perform customer due diligence across onboarding, periodic reviews and event driven checks, ensuring compliance with regulatory requirements and internal policies.

You will collect, verify and monitor customer information, manage deadlines, collaborate with compliance, legal and operations, and support ongoing training and reporting, all within a hybrid work arrangement and a salary range of €48,000–€72,000 per year.

Qualifications

• Bachelor’s degree or higher in a related field.
• Experience in KYC, Compliance, Sanctions, or Risk Management in banking/finance.
• Strong interpersonal skills with stakeholders at all levels.
• Ability to work under pressure and manage multiple tasks.
• Excellent time management and organizational skills for deadlines.
• Proficiency in Microsoft Office and adaptability to new systems.
• Fluency in business English; additional languages are a plus.

Responsibilities

• Conduct Customer Due Diligence in onboarding for new customers by collecting and verifying documents.
• Perform initial risk assessments and classify customers by risk level.
• Coordinate with marketing to ensure smooth onboarding and capitalise on business opportunities.
• Periodically review and update customer records to ensure ongoing compliance.
• Track deadlines to ensure timely completion and avoid breaches.
• Follow up with internal teams and customers to gather necessary information before due dates.
• Perform Event Driven Reviews when risk changes.
• Conduct Enhanced Due Diligence for high-risk clients, including PEPs and sanctioned entities.
• Flag potential sanctions violations, bribery, or tax evasion and ensure regulatory compliance.
• Keep up to date with KYC/AML regulations and update procedures.
• Identify process inefficiencies and propose improvements to KYC operations.
• Communicate with customers to obtain required documentation.
• Liaise with compliance, legal and operations to resolve issues.
• Assist in training teams on KYC/AML/sanctions policies.
• Prepare management reports on KYC processes.

Skills

KYC

Compliance

Sanctions

Risk Management

Stakeholder engagement

Microsoft Office

Education

Bachelor's degree in finance/business/law

Tools

Microsoft Office

CRM systems

Job description

Select how often (in days) to receive an alert:

13 Oct 2026

SMBC: A trusted partner for the long term

Here at SMBC Group, we want to help you find the next step in your career so read on to discover if this opportunity is the one for you. We like to recognise potential in our people, so we welcome your application even when your experience doesn’t perfectly align with the job description. Whilst we’ll always strive to be better, we’re proud of our inclusive culture, and encourage our applicants and colleagues to be their authentic, unique selves.

Who we are

United by a sense of purpose towards our customers – to be a trusted partner for the long-term – and our universal banking platform in EMEA, SMBC Group has an international growth agenda and award-winning products, meaning we provide exciting opportunities to work on a diverse range of projects and initiatives.

We deliver a full suite of corporate finance products and solutions to our customers as well as investment banking and advisory services, and a range of innovative solutions in global capital markets.

Read on to find out how you could enhance your skills and gain valuable experience, by joining us to support our clients transition to a sustainable future.

Role Summary

This role is responsible for conducting Customer Due Diligence as part of the onboarding, periodic review and event driven review processes to ensure compliance with regulatory requirements and internal policies.

This role involves collecting, verifying, and monitoring customer information to prevent financial crimes such as money laundering, terrorist financing, sanction violations, bribery, tax evasions, and fraud.

This role plays a key role in managing review deadlines to ensure timely KYC completion and supporting smooth onboarding that enables efficient business activities.

This role belongs to CBDE1(DUS) but also supports KYC tasks for other CBDE1 teams as needed.

Business Area

AML and Financial Crime

Position Description

Accountabilities & Responsibilities

• Conduct Customer Due Diligence in the onboarding process for new customers by collecting and verifying identification documents and business information.
• Conduct initial risk assessments and classify customers based on their risk profiles.
• Work closely with marketing officers to ensure a smooth onboarding, contribute directly to business activities and enhanced customer experience, ensuring that business opportunities are not missed.
• Periodically review and update customer records to ensure ongoing compliance. Track deadlines to ensure timely completion and avoid compliance breaches.
• Proactively follow up with internal teams and customers to gather necessary information before due dates.
• Conduct Event Driven Reviews when triggered by significant changes in customer risk profile.
• Perform Enhanced Due Diligence for high-risk customers, including politically exposed persons (PEPs) and entities in sanctioned or high-risk jurisdictions.
• Ensure compliance with KYC/AML requirements and flag any potential risks related to sanctions violations, bribery, or tax evasion.
• Keep up to date with changes in KYC/AML/sanctions regulations and update internal procedures accordingly.
• Identify process inefficiencies and propose improvements to enhance KYC operations and the onboarding workflow.
• Communicate with customers to request necessary documentation and clarify compliance requirements.
• Liaise with relevant departments such as compliance, legal and operations to resolve KYC-related issues.
• Assist in training and educating internal teams on KYC, AML, sanctions compliance, and anti bribery policies.
• Prepare management reports on KYC processes to support informed decision-making by management.

Knowledge, Skills, Experience & Qualifications

• Bachelor’s degree, preferably in finance, business, law or a related field.
• Experience in KYC, Compliance, Sanctions, or Risk Management, preferable in the banking or financial services sector.
• Have strong interpersonal skills engaging with key stakeholders at all levels.
• Ability to work under pressure and manage multiple tasks efficiently.
• Excellent time management and organizational skills to handle deadlines efficiently.
• Proficiency in Microsoft Office (Excel, Word, PowerPoint) and adaptability to new systems.
• Ability to collaborate within a team, a strong sense of responsibility, proactiveness, results-driven mindset and a willingness to drive change.
• Business fluent English is a must, all further languages are a plus

Customer Focus

Driving Change

Driving Results

Judgement and Decision Making

Strategic and Visionary

Trust and Integrity

What we offer

For all the expertise and experience you bring to help us make a difference, it’s only sustainable if we support you to build your career and be your best self so we offer competitive company benefits, centred around promoting positive well-bring and work-life balance. We also believe in fostering a diverse and inclusive work environment, where all team members perspectives and contributions are valued. Initiatives in place which promote a diverse and inclusive culture and healthy work life balance include hybrid working, Sport & Social Clubs and Diversity and Inclusion networks.

The anticipated annual salary range for this role is 48,000 € - 72,000 €, with the final offer determined based on the candidate’s skills, experience, role scope, location, and relevant market factors. In addition to base salary, the role may be eligible for a discretionary incentive award and a competitive benefits package, including core benefits such as pension provision.

As an employee of SMBC you have access to a host of both useful and exciting benefit offerings. See below some of the benefits on offer to you:

• Hybrid and flexible working
• Competitive paid leave days
• Benefits to support your physical wellbeing, including private medical insurance
• Various policies to support your mental wellbeing, including a robust behavioural health network with counselling and coaching services
• Access a wide range of learning and development opportunities and career progression opportunities

So, if you like a challenge and want to continuously grow and develop in a role where you will be supported along the way by a dynamic and diverse team,

We recognise our role as a bank to support social change and welcome all applications, including those from groups often under-represented in financial services. We value the uniqueness of professional and personal, backgrounds and perspectives as they play a vital role in continuing the sustainable growth of our organisation. We’ll ensure reasonable adjustments to our recruitment process are offered due to a disability or long-term condition whenever requested.

We are committed to transparent and equitable pay practices. Compensation is determined using objective criteria, including skills, experience, and role responsibilities, and applied consistently throughout our recruitment processes. We do not request candidates' pay history and are committed to preventing unjustified pay disparities.

About SMBC

A trusted partner for the long term
United by a sense of purpose towards our customers - to be a trusted partner for the long-term - and our universal banking platform in EMEA, we deliver a full suite of corporate finance products and solutions to our customers, including corporate, structured and trade finance, leveraged finance, loan market and treasury products. We can also provide investment banking and advisory services and a range of innovative solutions in global capital markets.
Find out more about what we do and who we are at https://www.smbcgroup.com/emea/careers