KYC / CDD Analyst - Sharjah

Job Title: KYC / CDD Analyst

Location: Sharjah

Contract Duration: 6 months

Level: Analyst

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) 

• 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.