KYC Operations Analyst 2 – Block Prevention & Remediation

CITI; Chennai; On-site; INR 2,500,000 - 3,800,000; Full time

Job summary

Citi in Chennai is seeking an experienced KYC/AML professional to lead due diligence for new and existing clients, perform enhanced reviews, and ensure compliance with local regulations and Citi standards.

You will coordinate with internal teams, manage escalations, and help streamline onboarding workflows using AI tools, while maintaining meticulous documentation and strong communication with stakeholders.

Qualifications

• 8+ years of experience in KYC/AML, compliance, risk & control functions.
• Strong written and verbal communication skills, pro-active team player.
• Ability to manage multiple stakeholders across levels, geographies.
• Structured, high-volume, time-sensitive, high-risk environment experience.
• Fast learner, close attention to detail, willing to learn multiple products.
• Experience handling urgent/escalation cases and managing expectations.
• Proficient in Microsoft Office; keen on process improvement.

Responsibilities

• Conduct reviews of client account activity, statements, internet research, and client profile information.
• Perform independent KYC/AML due diligence for new and existing clients to ensure compliance with regulations.
• Conduct regulatory and sanction screenings and support complex periodic review processes.
• Lead onboarding workflow improvements and gap analyses leveraging AI tools.
• Collaborate with internal units to ensure due diligence and documentation reviews.
• Verify banker ownership of KYC records and ensure flow of information.
• Escalate and communicate risks to senior management with transparency.
• Maintain Citi standards and applicable local laws across activities.

Skills

KYC/AML domain knowledge

Interpersonal skills

Written and verbal communication

Stakeholder management

Multitasking

Project management

Attention to detail

Education

Bachelor's degree

CAMS Certification preferred

Tools

Microsoft Office Applications

Job description

ROLE

• Conduct reviews of client account activity, statements, internet research, and client profile information
• Conduct background checks/intelligence/customer research/transactional analysis
• Conduct regulatory and sanction screenings as well as review domestic consumer cases and support complex periodic review processes
• Partner with internal units to ensure adequate due diligence process is carried out for customer accounts and documentation reviews
• Verify and confirm banker ownership of KYC Records to ensure continuous flow of information
• Ensure all information and documentation comply with local regulation and Citi standards
• Perform independent, in-depth KYC due diligence for new and existing clients, ensuring full compliance with the Bank's AML/KYC standards and all relevant local and global regulations
• Act as a critical review point for KYC records, conduct reviews of client account activity, statements, internet research, and client profile information
• Conduct and analyze complex Enhanced Due Diligence, client name screening dispositions, and sanctions reviews for high-risk client profiles
• Proactively identify, analyze, and escalated potential money laundering risks, suspicious activities, and compliance deficiencies to senior management with transparency
• Liaise effectively with internal and external stakeholders to manage exceptions, resolve complex issues, and facilitate a seamless and efficient onboarding experience
• Lead initiatives to streamline and re-engineer the KYC and onboarding workflow by conducting gap analyses of current processes against evolving policies and leveraging proficiency with relevant AI tools
• Assume project management responsibilities as needed, including the development of project plans, conducting risk analyses, and providing regular progress updates to senior leadership
• Drive and ensure adherence to all applicable laws, rules, and regulations, applying sound ethical judgment in all business practices to protect Citigroup, its clients, and its reputation
• Operate with a high degree of autonomy and limited direct supervision, exercising independent judgment to make sound business and risk-related decisions
• Establish and maintain strong working relationships with clients, stakeholders, and team members, fostering an environment of open, direct, and effective communication

REQUIREMENTS

• 8+ years of experience in KYC/AML process, compliance, operations, risk & control functions
• Demonstrated interpersonal skills, pro-active team player but also able to work independently, with strong written and verbal communication skills
• Ability to manage multiple stakeholders across levels, businesses, and geographies
• Highly motivated, persistent, and able to work in a structured, high volume, time sensitive, high-risk environment
• Capable of multitasking and eager to learn multiple products in a challenging environment
• Fast learner, strong attention to detail, and willingness to go extra mile
• Proficient in handling urgent and escalation cases and manage internal team expectations
• Proficient in Microsoft Office Applications
• Consistently demonstrates clear and concise written and verbal communication skills
• Bachelor's degree/University degree or equivalent experience
• CAMS Certification preferred
• 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