KYC Operations Analyst

Citi; Mumbai; On-site; INR 700,000 - 950,000; Full time

Job summary

Citi in Mumbai is seeking a diligent KYC Analyst to join its APAC Compliance team. The role focuses on periodic reviews and refreshes of client profiles to ensure AML/KYC regulatory adherence across the Asia-Pacific region.

You will gather and verify client information, assess ownership structures for risk, maintain audit trails, and engage with Relationship Managers to obtain missing documentation. Knowledge of AML/KYC principles and proficiency in MS Office are essential.

Qualifications

• Bachelor’s degree in Finance, Business Administration, Law, or related field.
• 1–3 years in AML, KYC, or onboarding/due diligence in financial services.
• Foundational knowledge of AML, CFT, and KYC principles and regulations.
• Strong analytical and problem-solving skills with ability to interpret complex information.
• Meticulous attention to detail and commitment to high-quality work.
• Excellent written and verbal communication in English.
• Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint).

Responsibilities

• Periodic Reviews: perform timely, accurate periodic reviews of client KYC documentation for corporate and institutional clients.
• Data Gathering & Verification: collect and verify client information from internal systems, public records, and third-party databases.
• Risk Assessment: analyze ownership structures to assess risk and apply appropriate risk ratings.
• Documentation: maintain complete, accurate KYC records with clear audit trails.
• Stakeholder Engagement: liaise with Relationship Managers and Sales to obtain missing documentation.
• Escalation: identify and escalate red flags or high-risk issues to senior management.
• Regulatory Adherence: stay updated on AML/KYC regulations across APAC jurisdictions.
• Process Improvement: contribute to initiatives improving KYC/AML processes.

Skills

KYC/AML knowledge

Analytical skills

Attention to detail

Communication skills

English proficiency

Education

Bachelor's degree in Finance/Business/Law

Tools

MS Office

KYC/AML software

World-Check/LexisNexis

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 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 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 escalation potential red flag, 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 identifies 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 effectivey.
• Team Player: Strong interpersonal skills and the ability to collaborate effectivey within a team.
• Adaptability: Ability focus your train to make us and it.

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.

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