KYC / CDD Analyst

Client of Capitex

We are seeking a detail-oriented KYC / CDD Analyst to support periodic and trigger-based customer due diligence activities in line with the Bank s customer risk rating framework and regulatory requirements.

Key Responsibilities

• Conduct periodic KYC refreshes and trigger-based reviews in accordance with internal policies and regulatory standards.
• Review, update, and maintain customer profiles, including:
  • Customer identification and verification information
  • Ownership and control structures
  • Ultimate Beneficial Ownership (UBO)
  • Nature of business, Source of Funds (SoF), and Source of Wealth (SoW)
• Ensure KYC records are complete, accurate, and up to date across core banking and KYC systems.
• Perform Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) for higher-risk customers, including:
  • High-risk geographies
  • Politically Exposed Persons (PEPs)
  • Complex ownership structures
  • Cash-intensive or high-risk industries
• Assess and document customer risk factors and apply appropriate risk ratings.
• Prepare clear and concise EDD narratives, including justifications for risk acceptance or escalation.
• Collect, validate, and review KYC documentation in line with regulatory and internal standards.
• Maintain proper documentation and audit trails to support internal audits, compliance reviews, and regulatory inspections.
• Adhere to defined SLAs and productivity targets while maintaining high quality standards.
• Liaise with Relationship Managers, Front Office, Operations, and Compliance teams to resolve KYC gaps and outstanding issues.

Required Knowledge & Skills

• Strong understanding of AML/CFT, KYC, CDD, and EDD requirements.
• Practical knowledge of CBUAE AML/CFT Regulations and regulatory guidance.
• High attention to detail with strong documentation and analytical skills.
• Ability to manage multiple cases within tight timelines.