AML Reviewer (KYC Customer Lifecycle Management - Personal Wealth Banking)

Customer Lifecycle Management

Scope: AML risk assessments across the customer lifecycle—covering onboarding, EDD, and review activities—by assessing key risks and providing clear account strategy

Key Responsibilities

1. AML Risk Assessment & Review

Perform independent AML risk assessments across the customer lifecycle, including NTB/ETB onboarding, EDD, and other AML-triggered reviews, by evaluating KYC information, customer profile, transaction intent, adverse information, sanctions, tax, and restricted business risks.

Formulate clear, well-reasoned recommendations that are consistent with AML policies, procedures, and the Bank’s risk appetite.

2. Case Management & Documentation

Manage cases end-to-end, covering review, information assessment, risk evaluation, recommendation, and closure, while ensuring timely progression in line with internal SLAs and control requirements.

Ensure accurate and complete documentation of decisions in relevant systems, with clear rationale and audit trail to support governance and review.

3. Stakeholder Engagement & Advisory

Partner closely with frontline and operations teams, including Relationship Managers, Client Engagement Teams, Branches, and AML Operations, to clarify information gaps, provide AML advisory guidance, and resolve case-related issues.

Escalate higher-risk or complex cases to delegated authorities or governance stakeholders as required, with clear articulation of risks and considerations.

4. Governance, Quality & Continuous Improvement

Prepare structured risk summaries and recommendations for delegated approvers and internal forums, ensuring AML decisions are consistent, proportionate, and defensible across cases.

Identify recurring risk themes or process gaps and contribute to continuous improvements in controls, guidance, and training materials.

5. Coaching & Team Contribution

Manager Level

Review and guide junior officers’ assessments to ensure quality and consistency.

Support knowledge sharing and training initiatives across business and control teams.