Citi

Runs banking and payments for global clients

KYC Operations Analyst

Financial Crime & AMLConfirmed live in the last 24 hours

Full-timeMumbai, Maharashtra, IndiaNo salary listedHybrid

About the Job

Requirements

A bachelor's degree in Finance, Business Administration, Law, or a related field.
One to three years of relevant experience in an AML, KYC, or client onboarding/due diligence role within the financial services industry.
Foundational knowledge of AML, CFT, and KYC principles and regulations.
Strong analytical and problem-solving skills, with the ability to interpret complex information and identify potential risks.
Meticulous attention to detail and commitment to producing high-quality, accurate work.
Excellent written and verbal communication skills in English.
Proficiency in Microsoft Office Suite, including Word, Excel, and PowerPoint.
A high level of personal integrity and professional ethics.
Ability to work independently and manage deadlines effectively.
Strong interpersonal skills and ability to collaborate effectively within a team.
Ability to work in a fast-paced environment and adapt to changing regulatory requirements and business priorities.

Responsibilities

Conduct timely and accurate periodic reviews of client KYC documentation for a diverse portfolio of APAC-based corporate and institutional clients.
Collect and verify client information and documentation using internal systems, public records such as company registries, and third-party databases such as World-Check and LexisNexis.
Analyze client profiles, transaction patterns, and ownership structures to assess potential risks and apply appropriate risk ratings in accordance with internal policies.
Ensure KYC records are complete, accurate, maintained in relevant systems, and supported by a clear and comprehensive audit trail.
Liaise with Relationship Managers, Sales teams, and other internal stakeholders to obtain missing documentation and clarify client profile information.
Identify, investigate, and escalate potential red flags, suspicious activities, and high-risk issues to senior compliance management for further review.
Maintain an up-to-date understanding of AML/KYC regulations in key APAC jurisdictions, including Singapore, Hong Kong, Australia, and India.
Contribute to projects that improve the efficiency and effectiveness of KYC/AML processes.

Desired Qualifications

Direct experience working with clients or regulations in multiple APAC countries.
AML/KYC-related certifications such as ACAMS.
Experience with KYC/AML software and systems.

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 escalate 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.

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Job Family Group:

Operations - Services

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Job Family:

Business KYC

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Time Type:

Full time

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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.

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Other Relevant Skills

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

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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.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View Citi’s EEO Policy Statement and the Know Your Rights poster.

About the Company

Citi

Runs banking and payments for global clients

Citi runs banking, investment and payment services for companies, governments and individuals around the world. Its global network connects institutions with local banking systems, while its US consumer business sells credit cards and deposit accounts. Corporate clients use Citi to manage cash, finance trade and raise capital, and investors use its trading, custody and wealth services to hold and manage assets. The bank earns interest on loans and fees from payments, securities transactions, financial advice and account services. Citi traces its banking roots to 1812; the Citigroup holding company was formed in 1998, and its headquarters are in New York City.

Company size: 10,001+
Company stage: IPO
Headquarters: New York City, New York
Founded: 1812

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