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AML/KYC & KYT – Retail / Physical persons

Your day-to-day:

• Client onboarding & due diligence: Conduct AML/KYC reviews for individual clients, ensuring compliance with internal procedures and regulatory requirements.
• KYT (Know Your Transaction) analysis: Perform transaction monitoring and analyze financial flows to identify unusual or suspicious activities in line with AML/CTF obligations.
• Daily monitoring of AML alerts: Review alerts generated by monitoring tools (CDD alerts, transaction monitoring alerts, sanctions screening, PEP and adverse media alerts) and escalate cases when necessary.
• Client risk assessment: Carry out periodic reviews and risk classifications for individual clients to ensure files remain accurate, complete, and compliant.
• Enhanced Due Diligence (EDD): Conduct enhanced reviews for high-risk clients, Politically Exposed Persons (PEPs), and sensitive cases.
• Support to the MLRO (Money Laundering Reporting Officer): Assist in preparing investigations, reports, and recommendations related to suspicious activities.
• Compliance advisory: Provide AML/KYC guidance and support to operational and front-office teams on compliance-related matters.
• Regulatory controls: Perform controls as part of the Compliance Monitoring Plan and ensure adherence to AML/CTF obligations.
• Regulatory watch: Monitor AML/CTF regulatory developments and contribute to the adaptation of internal procedures accordingly.
• Process improvement & projects: Participate in AML/KYC projects, process optimization initiatives, and automation of monitoring activities.
• Training & awareness: Contribute to maintaining a strong compliance culture within the institution.

Your profile:

• Experience in AML/KYC, compliance, or financial crime prevention within the banking or financial services sector, ideally in a retail / individual clients environment.
• Good knowledge of KYT (Know Your Transaction), transaction monitoring, sanctions screening, and customer due diligence processes.
• Strong understanding of AML/CTF regulations and regulatory requirements applicable to retail banking.
• Analytical and risk-oriented mindset with strong attention to detail.
• Ability to manage sensitive cases confidentially and within regulatory deadlines.
• Strong communication skills and ability to collaborate with various internal stakeholders.
• Proactive, organized, and able to work in a fast-paced environment.
• University degree in finance, law, economics, business administration, or a related field is considered an asset.
• Fluent in French and English; any additional language is considered a plus.