KYC Operations Analyst

Citigroup Inc.; Mumbai; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Citigroup Inc. in Mumbai seeks a diligent KYC Analyst to join its APAC Compliance team. You will conduct periodic reviews of client profiles to ensure AML/KYC regulatory adherence across Asia-Pacific.

Responsibilities include gathering and verifying client information from internal systems and public records, assessing risk, maintaining complete audit trails, and coordinating with Relationship Managers to obtain missing documents.

Qualifications

• Bachelor's degree in Finance, Business Administration, Law, or a related field.
• 1–3 years of AML/KYC or onboarding/due diligence experience in financial services.
• Foundational knowledge of AML, CFT, and KYC regulations.
• Strong analytical and problem-solving skills.
• Meticulous attention to detail and commitment to high-quality, accurate work.
• Excellent written and verbal English communication.
• Proficiency in Microsoft Office Suite.

Responsibilities

• Conduct periodic reviews of client KYC documentation for APAC-based clients.
• Collect and verify client information from internal systems, public records, and third-party databases.
• Analyze client profiles and ownership structures to assess risk and assign appropriate risk ratings.
• Maintain complete, auditable KYC records across relevant systems.
• Liaise with Relationship Managers and Sales to obtain missing documentation.
• Identify and escalate red flags and high-risk issues to senior compliance management.
• Maintain up-to-date knowledge of AML/KYC regulations in key APAC jurisdictions.
• Contribute to projects aimed at improving KYC/AML processes.

Skills

Analytical skills

Attention to detail

Communication

Education

Bachelor's degree in Finance, Business Administration, Law, or related field

Tools

Excel

Word

PowerPoint

Job description

Job Summary

We are seeking a diligent and detail-oriented KYC (Know Your Customer) Analyst to join our APAC Compliance team. The successful candidate will be responsible for conducting periodic reviews and refreshes of existing client profiles to ensure the firm's adherence to Anti-Money Laundering (AML), Counter-Financing of Terrorism (CFT), and other relevant regulatory requirements across the Asia-Pacific region.

Key Responsibilities

• Periodic Reviews: Conduct timely and accurate periodic reviews of client KYC documentation for a diverse portfolio of APAC-based clients, including corporate and institutional entities.
• Data Gathering & Verification: Collect and verify client information and documentation by leveraging internal systems, public records (e.g., company registries), and third-party databases (e.g., World-Check, LexisNexis).
• Risk Assessment: Analyze client profiles, transaction patterns, and ownership structures to assess potential risks and ensure the appropriate risk rating is applied in accordance with internal policies.
• Documentation: Ensure that all KYC records are complete, accurate, and maintained in the relevant systems, creating a clear and comprehensive audit trail.
• Stakeholder Engagement: Liaise with Relationship Managers, Sales teams, and other internal stakeholders to obtain missing documentation and clarify information regarding client profiles.
• Escalation: Identify, investigate, and elevate potential red flags, suspicious activities, and high-risk issues to senior compliance management for further review.
• Regulatory Adherence: Maintain a strong and up-to-date understanding of AML/KYC regulations in key APAC jurisdictions (e.g., Singapore, Hong Kong, Australia, India).
• Process Improvement: Contribute to projects aimed at enhancing the efficiency and effectiveness of the KYC/AML processes.

Qualifications & Skills

Required:

• Education: Bachelor's degree in Finance, Business Administration, Law, or a related field.
• Experience: 1-3 years of relevant experience in an AML, KYC, or client onboarding/due diligence role within the financial services industry.
• Regulatory Knowledge: Foundational knowledge of AML, CFT, and KYC principles and regulations.
• Analytical Skills: Strong analytical and problem-solving skills with an ability to interpret complex information and identify potential risks.
• Attention to Detail: Meticulous attention to detail and a commitment to producing high-quality, accurate work.
• Communication: Excellent written and verbal communication skills in English.
• Technical Skills: Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint).

Preferred/Advantageous

• APAC Experience: Direct experience working with clients or regulations in multiple APAC countries.
• Certifications: AML/KYC-related certifications (e.g., ACAMS) are a plus.
• Systems: Experience with KYC/AML software and systems.

Desired Attributes

• Integrity: A high level of personal integrity and professional ethics.
• Proactive: A self-starter with the ability to work independently and manage deadlines effectively.
• Team Player: Strong interpersonal skills and the ability to collaborate effectively within a team.
• Adaptability: Ability to work well in a fast-paced environment and adapt to changing regulatory requirements and business priorities.

Job Family Group

Operations - Services

Job Family

Business KYC

Time Type

Full time

Most Relevant Skills

• Business Acumen
• Credible Challenge
• Laws and Regulations
• Management Reporting
• Policy and Procedure
• Program Management
• Referral and Escalation
• Risk Controls and Monitors
• Risk Identification and Assessment
• Risk Remediation.

Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

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