KYC Analyst — CDD/EDD (China market)

Role Purpose

The KYC Analyst (CDD/EDD Analyst) operates within the bank's centralized Compliance Shared Services Centre, delivering KYC processing support to retail and commercial banking business lines under a structured outsourcing model. The incumbent is accountable for executing Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) reviews to the standard and within the SLAs defined in the Master Services Agreement (MSA) between the Shared Services Centre and its banking clients.

A critical differentiator of this role is the ability to process, interpret, and document KYC-relevant information in Mandarin Chinese — supporting Greater China and Mandarin-speaking client portfolios where source documents, corporate filings, and client communications are primarily in Mandarin. The analyst ensures that all deliverables meet the quality, accuracy, and regulatory compliance standards expected by the bank, its regulators, and its auditors, while operating within the governance framework of the engagement.

Working Environment — Shared Services Context

This role is embedded within a high-volume, process-driven shared services environment. Candidates should understand and be comfortable with the following operational realities:

▸  Work is governed by a defined Service Level Agreement (SLA) framework — turnaround times, quality scores, and productivity metrics are actively tracked and reported.

▸  Cases are allocated through a centralized workflow / case management system; the analyst is expected to self-manage their queue and escalate blockers proactively.

▸  Quality assurance (QA) reviews are conducted on a sample basis by a dedicated QA function; analysts are expected to maintain error rates within agreed thresholds.

▸  The team serves multiple banking clients or business lines; the ability to context-switch between different client procedures and risk appetites is essential.

▸  Continuous improvement is embedded in the operating model — analysts are expected to contribute to process refinement, documentation updates, and knowledge-sharing sessions.

Key Responsibilities

1. Customer Due Diligence (CDD)

▸  Perform CDD for new and existing retail and commercial customers at onboarding, periodic review, and event-driven trigger points, in line with client-specific procedures and SLA requirements.

Collect, verify, and assess identity documentation, beneficial ownership structures, and source of funds/wealth — including documents submitted in Mandarin Chinese.

▸  Classify customers accurately by risk tier (Low / Medium / High) using the bank's risk-based approach (RBA) framework.

▸  Maintain complete, accurate, and audit-ready KYC files in the case management system, ensuring full traceability and commentary in English regardless of source document language.

▸  Identify discrepancies or gaps in documentation and follow up with the client's relationship managers or operations team to resolve them within agreed SLAs.

▸  Meet daily and weekly case completion targets as defined in the SLA dashboard, flagging capacity or data-quality issues to the Team Lead in a timely manner.

2. Enhanced Due Diligence (EDD)

▸  Conduct in-depth EDD reviews for high-risk customers including PEPs, complex corporate structures (including Greater China holding entities and VIE structures), HNWIs, and non-resident customers.

▸  Review and interpret adverse media, corporate registry filings, and ownership documents sourced in Mandarin, producing accurate English-language risk summaries for the KYC file.

▸  Screen against sanctions lists (OFAC, UN, EU, MAS, local) and PEP databases using tools such as World-Check, Dow Jones, or Comply Advantage.

▸  Prepare detailed EDD reports and risk narratives, clearly articulating risk factors, mitigating controls, and recommended outcomes in English for client-side review.

▸  Escalate unresolved high-risk cases or red flags to the Senior KYC Manager or client-side MLRO through the agreed escalation channel and within defined turnaround windows.

▸  Conduct UBO (Ultimate Beneficial Owner) mapping for complex legal entities including trusts, holding companies, SPVs, and structures common in Greater China jurisdictions.

3. SLA Compliance & Quality Management

▸  Consistently achieve KYC case throughput, turnaround time (TAT), and quality score KPIs as defined in the MSA and internal scorecards.

▸  Participate in QA sampling and post-QA feedback sessions; implement corrective actions within agreed timelines.

▸  Accurately record case status, hold reasons, and pending items in the workflow system to ensure real-time SLA reporting is reliable.

▸  Support monthly and quarterly performance reviews by providing case-level data and commentary as required by the operations manager.

▸  Contribute to standard operating procedure (SOP) updates when regulatory changes or client-specific amendments require procedural revisions.

4. Compliance & Regulatory Adherence

▸  Ensure all KYC activities comply with applicable regulations including FATF recommendations, local AML/CFT laws, and client-specific policies.

▸  Stay current with regulatory developments relevant to supporting markets and apply updates to daily practice.

▸  Support internal and external audits, regulatory examinations, and client-initiated thematic reviews by preparing files and providing case-level commentary.

▸  Flag operational gaps, emerging typologies, or language-related processing challenges to the compliance team for procedural consideration.

5. Stakeholder Collaboration

▸  Act as a key liaison between the shared services center and the client's front-office, compliance, and operations teams — communicating clearly in English on all formal correspondence.

▸  Participate in daily stand-ups, team huddles, and client service review meetings as required.

▸  Share knowledge with junior KYC analysts; support peer review and buddy-checking of Mandarin-language files.

Qualifications & Experience

Essential

▸  1–3 years of KYC/AML experience within a retail or commercial bank, financial institution, regulated entity, or KYC shared services.

▸  Demonstrable hands-on experience with both CDD and EDD processes, including high-risk and PEP case management.

▸  Business-level Mandarin Chinese (spoken and written) — HSK 5 or above, or demonstrated professional equivalent.

▸  Professional working proficiency in English (written and spoken) — mandatory for all file narration and internal reporting.

▸  Strong working knowledge of AML/CFT regulatory frameworks (FATF, local AML laws, sanctions regimes).

▸  Proficiency with KYC case management and screening platforms (e.g. World-Check, Accuity, Actimize, or equivalent).

▸  Bachelor's degree in Finance, Law, Business, Economics, or a related discipline.

▸  Demonstrated ability to work in a high-volume, metric-driven environment with strict SLA adherence.

Preferred / Advantageous

▸  CAMS (Certified Anti-Money Laundering Specialist), ICA Certificate/Diploma in AML, or equivalent. Professional certification:

▸  Prior experience in a KYC shared services center, or outsourced compliance function.

▸  Experience handling corporate and commercial banking clients including complex cross-border ownership structures.

▸  Exposure to e-KYC platforms, digital onboarding transformation projects, or RPA-assisted KYC workflows.

▸  Additional language skills (Mandarin, Bahasa, or other regional languages) are an advantage.

Technical & Functional Skills

▸  Deep understanding of risk-based approach (RBA) methodology for customer risk classification.

▸  UBO identification and corporate structure analysis.

▸  Sanctions screening, adverse media searches, and negative news assessment.

▸  Report writing: ability to produce clear, concise, well-evidenced EDD risk narratives in English from multi-language source material.

▸  Proficiency in Microsoft Office (Excel for SLA tracking and case metrics, Word for case documentation).

▸  Familiarity with transaction monitoring systems and SAR/STR escalation processes.

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