KYC CDD Analyst

Job description / Role

Job Type
Full Time

Job Location
Sharjah, UAE

Nationality
Any Nationality

Salary
Not Specified

Gender
Not Specified

Arabic Fluency
Not Specified

Job Function
Accounting & Audit

Company Industry
Banking - Corporate

Job description

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)

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• 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.