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Job Description

JOB TITLE

Account Activity Analyst

LEVEL/BAND

TC12/14

DEPARTMENT

Customer Profiling Unit - Account Activity

DIRECT REPORT (JOB TITLE)

Account Activity Manager

Overall Purpose of the Position

To evaluate and fulfil 1st Level Transaction Monitoring Alerts indicating whether sufficient
supporting documentary evidence exists internally or otherwise escalate to the relative
Commercial Banking Unit, or, in the case of Retail customers, reach the customer for the provision
of the necessary documentation, as required.
To assure that all information and documentation that is collected, is properly evaluated and
challenged where necessary, whilst also following and maintaining high record keeping standards.
To refer completed 1st Level Transaction Monitoring Alerts to the Senior Account Activity Analyst
for completion assurance purposes prior to placing an official reply back to FCC Transaction
Monitoring Section.
To ensure that Key Performance Indicators are achieved efficiently and effectively, ensuring the
appropriate balance and consistency in the management of the Alerts.
To network effectively with all internal stakeholders whom the Account Activity Team regard as
a party of interest in the successful execution of the Team’s function.

Operational Responsibilities

Using a Risk Based Approach, identify and obtain adequate information and documents to
correlate the SOW and SOF; analyse and verify the information collected whilst completing a make
sense test, and ensure that the activity is in line with customer's profile and declarations.
Identify whether the banking relationship is in line with the Bank's Policies, CAP, and CDD
Principles. Understand if the accounts, products and services held by the customer, correlate with
the banking relationship and that funds are being segregated properly.
Recognise any indicia, connections and complexity in the customer’s banking relationship from
the outset. Identify also whether any regulatory licences, permits and warrants are required.
Ensure that all mandatory information has been completed appropriately in line with the Bank's
policies and procedures. Update ICBS for minor customer profile discrepancies.
Highlight any suspicious anomalies or complexities and raise STR/SAR accordingly.
Liaise professionally with other units/branches and provide clarifications to FCC and/or any other
regulatory body. Handle and provide adequate feedback to queries raised by customer, or
internally, e.g. by VOC, Customer Contact Centre, DPO, etc.
Think outside the box and suggest improvements to productivity and recommend updates to unit
handbook, procedures or forms.
Respond quickly and positively to changing priorities, stressful or high pressure situations

General Responsibilities

Implement necessary checks related to FCC Alerts and keeping a record of the progress.
Coordinate and monitor the tasks in an agile manner to achieve the best results and meet KPIs.
Participate in testing when required and provide the necessary feedback for amendments/sign
off.
Create and issue internal reports from SAP to analyse customer data and identify any
anomalies/discrepancies in data using MS tools/PowerBI.
Interpret documents such as P&L, Income Tax Returns, VAT Forms , Rental Declarations (TA24)
and documents related to Companies/Entities as connected parties. Interpret documents such as
M&As, Constituting Documents, Deeds, Statutes, other MBR Submissions and Financial Accounts
including P&L as applicable for each different type of Organisation/Corporate.
Implement closing instructions indicated by FCC TMS and other feedback provided by Head
Customer Profiling/Manager Account Activity.

Qualifications, Skills & Competencies

Mandatory

Skill

Experience

Qualification

Ideally Bachelor’s Degree, MCAST Diploma or recognised AML/CFT Certification at MQF5 Level or higher.

Desirable

Skill

Be computer literate with MS products and familiar with researching on the Internet.

Experience

Qualification

Position level (1 being the highest level)

APS.67.26