KYC Specialist

Summary

Join Delta Capita as a KYC Specialist and contribute to our Fin Crime Onboarding Team, conducting end-to-end Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) reviews. You will manage complex cases and ensure compliance with regulations and client policies. This role offers the chance to work with leading financial institutions in a fast-growing business within our CLM department. The ideal candidate will be entrepreneurial, pragmatic, and flexible. The position is a fixed-term contract, full-time, and located in London, Dublin, Belfast, or Wrexham. A valid UK work permit is mandatory. The role requires a minimum of 3 days per week in the office, with flexibility required to meet client demands.

Requirements

• Experience in performing in-depth EDD on NBFIs and MSBs (Non Banking Financial Institutions, Money Services Business)
• Deep understanding of global AML/KYC regulations, including UK and EU regulations, and key industry guidelines (FATF, FCA, FinCEN, etc.)
• Proven ability to perform KYC reviews across a wide range of institutional clients, including complex structures such as corporate entities, funds, trusts
• Expertise in PEP, Sanctions, and Adverse Media screening, with experience using leading third-party screening tools and systems

Responsibilities

• Perform CDD and EDD on the "new to bank" NBFI and MSB clients of this bank
• Demonstrate a deep understanding of the firm’s Anti-Money Laundering (AML) policies, identifying necessary updates, new requirements, or renewals of information/documents held on file
• Gather, analyse, and assess KYC documentation to ensure it meets both regulatory requirements and internal standards, focusing on accuracy and completeness
• Source relevant client data from approved public and regulatory databases, adhering to prescribed methodologies outlined in internal procedures
• Identify, evidence and verify Core entity information, Beneficial ownership and control structure, Flow of funds, intended purpose of the account, Source of funds and source of wealth
• Perform Sanctions, PEP (Politically Exposed Person), and Adverse Media Screening using advanced third-party tools, ensuring that client relationships meet the required compliance standards
• Perform a Financial Crime Framework assessment of the client against the bank's defined templates and procedures (covering the end client's AFC policies, client files, CDD procedures, CRA processes, SAR handling, transaction monitoring, training, governance, use of agents, etc.)
• Conduct a Virtual site visit on the end client being onboarded (Controls Call) to assess and validate that the Financial Crime Framework of the client is operating effectively - this will require using expertise, judgement as well as the prescribed guidance set out in procedures
• Compile final CDD packs , ensuring all required documentation is captured, validated, and stored in accordance with the firm’s policies and applicable regulations to then be reviewed by the bank's Quality Control team
• Maintain high-quality standards
• Regularly update key stakeholders, on the progress of KYC reviews, identifying any potential issues or bottlenecks and escalating concerns as necessary
• Proactively identify and resolve potential issues or blockers in the KYC review process, working collaboratively with other departments to find practical solutions
• Engage directly with the Front Office, the bank's KYC team, other internal departments as well as the clients to obtain, assess and verify the necessary information and documentation required for KYC/CDD reviews