KYC Operations Analyst (Periodic Refresh)

Citi; New York (NY); Hybrid; USD 10,000 - 19,000; Full time

Job summary

Citi is seeking a KYC Operations Analyst (Periodic Refresh) in Mumbai, Hybrid. You will conduct ongoing KYC reviews for existing clients, verify documentation, and update risk profiles to ensure AML compliance. This role supports audit readiness and collaboration with Relationship Managers.

The successful candidate brings 2–3 years of AML/KYC experience and a CFA/CAMS is a plus, enabling effective screening, data accuracy, and escalation of complex cases.

Qualifications

• In-depth understanding of global AML/KYC regulatory requirements and best practices related to ongoing monitoring and periodic reviews.
• Experience with various client types (e.g., corporate, institutional, individual, Trust etc.).
• Proficiency in conducting open-source research and using KYC/AML screening tools.
• Excellent analytical, research, and problem-solving skills.
• Strong attention to detail and accuracy.
• Ability to work independently and as part of a team in a fast-paced environment.
• Excellent written and verbal communication skills.
• CAMS certification or equivalent is a plus.

Responsibilities

• Manage and execute the periodic review process for existing clients, ensuring adherence to schedules and deadlines.
• Initiate and conduct due diligence on existing KYC information, updating client data and risk profiles as needed.
• Perform updated adverse media searches, sanctions screening, and PEP screening during renewal.
• Collaborate with Relationship Managers and Compliance to obtain updated client information.
• Ensure all periodic reviews comply with AML/KYC laws, regulations, and internal policies.
• Maintain KYC Workflow Tool and audit trails for internal and external audits.

Skills

AML/KYC regulations

Open-source research

Analytical skills

Attention to detail

Teamwork

Communication skills

CAMS certification

Client due diligence

Education

Bachelor’s degree

Finance/Business/Law degree

Job description

KYC Operations Analyst (Periodic Refresh)

Location(s):

Mumbai, Maharashtra, India

Job Type:

Hybrid

Discover your future at Citi

Working at Citi is far more than just a job. A career with us means joining a team of approximately 219,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

Job Overview

Whether you’re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you’ll have the opportunity to expand your skills and make a difference at one of the world’s most global banks. We’re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You’ll also have the chance to give back and make a positive impact where we live and work through volunteerism.

Shape your Career with Citi

We’re currently looking for a high caliber professional to join our team as Officer, KYC Operations Analyst (Periodic Refresh) Hybrid (Internal Job Title: KYC Operations Analyst C09) based in Mumbai, India. Being part of our team means that we’ll provide you with the resources to meet your unique needs, empower you to make healthy decision and manage your financial well-being to help plan for your future. For instance:

• Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more. Coverage varies by country.
• Citi provides access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses.
• We have a variety of programs that help employees balance their work and life.

The Periodic KYC Renewal Analyst is responsible for meticulously conducting ongoing Know Your Customer (KYC) reviews for existing clients to ensure continuous compliance with Anti-Money Laundering (AML) regulations and internal policies. This role focuses on the timely re-validation and updating of client information, risk assessment, and maintaining the integrity of client records throughout their lifecycle.

In this role, you’re expected to:

• Manage and execute the periodic review process for existing clients, ensuring adherence to established schedules and deadlines.
• Initiate and conduct comprehensive due diligence on existing client KYC information, verifying the accuracy and completeness of all KYC documentation. Update client information, including corporate structures, beneficial ownership, and business activities, based on new data and changes in client circumstances. Re-evaluate client risk profiles, taking into account any changes in the client's operations, geographic exposure, product usage, or regulatory landscape.
• Perform updated adverse media searches, sanctions screening, and politically exposed person (PEP) screening as part of the renewal process. Identify and investigate discrepancies, inconsistencies, or red flags discovered during periodic reviews and elevate complex cases to senior management.
• Collaborate closely with Relationship Managers, Compliance teams, and other business units to obtain necessary updated client information and address any queries or outstanding items.
• Ensure all periodic review activities are compliant with relevant local and international AML/KYC laws, regulations, and internal policies.
• Contribute to the continuous improvement of KYC periodic review processes and controls.
• Maintain KYC Workflow Tool in a timely manner to ensure clear details escalation flow is detailed & timely follow ups are done with KYC Owners or Business Partners. Maintain meticulous audit trails and documentation for all actions taken during the periodic review process, ensuring readiness for internal and external audits.
• Adhere strictly to all operational procedures, internal guidelines, and service level agreements (SLAs) for KYC periodic reviews.
• Ensure quality assurance and take feedback to continuously improve the accuracy and completeness of KYC details.
• Identify and report any operational inefficiencies or control gaps within the periodic review process, proposing solutions for enhanced adherence and effectiveness.
• Ensure data privacy and confidentiality protocols are strictly observed when handling sensitive client information throughout the renewal process.
• Actively engage in training and development pertinent to operational best practices, regulatory updates, and system enhancements.
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

As a successful candidate, you’d ideally have the following skills and exposure:

• Bachelor’s/University degree
• Minimum of 2 - 3 years of experience in AML KYC (end to end KYC) within the financial services industry is required.
• Bachelor's degree in finance, Business Administration, Law, or a related field.

Skills

• In-depth understanding of global AML/KYC regulatory requirements and best practices related to ongoing monitoring and periodic reviews.
• Experience with various client types (e.g., corporate, institutional, individual, Trust etc.).
• Proficiency in conducting open-source research and using KYC/AML screening tools.
• Excellent analytical, research, and problem-solving skills.
• Strong attention to detail and accuracy.
• Ability to work independently and as part of a team in a fast-paced environment.
• Excellent written and verbal communication skills.
• CAMS certification or equivalent is a plus.

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.

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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