Investigation Specialist (FC)

• Bachelor Degree with at least 12-14 years of working experience within the Banking and Financial Sector, within compliance / financial crime topics
• Ability to correlate data through required tools from multiple sources
• Comprehensive financial crime compliance knowledge
• Regulatory & Policy Interpretation Expertise
• Anti-Money Laundering Specialist (ACAMS)
• Certificate in Anti-Corruption (International Compliance Association preferred)

• Data analysis and querying leveraging PL/SQL and Big Query

Experience of working on Jira and Agile (SAFe)

• Performed independent, risk‑based reviews of Client Due Diligence (CDD) and Enhanced Due Diligence (EDD) files on a sample‑check basis, ensuring full alignment with global AML/KYC policy standards, local regulatory requirements, and internal governance controls, with particular focus on high‑risk client segments and complex ownership structures.
• Reviewed and assessed escalated client cases, including High‑Risk Client Reviews (Nuanced Client Activity, Reputational Risk and Event‑Driven Reviews), exercising professional judgement to identify financial crime, reputational, sanctions, or corruption risks, and formally referring matters to senior AFC Specialists where thresholds for escalation were met.
• Conducted detailed reviews of KYC documentation, client profiles, and corroborative evidence across onboarding and periodic review cycles, validating completeness, accuracy, and consistency across legal entity data, beneficial ownership, control structures, business rationale, and transactional behaviour.
• Performed in‑depth Source of Wealth (SOW) and Source of Funds (SOF) reasonableness and plausibility assessments, evaluating asset accumulation narratives, transactional flows, and supporting documentation to ensure that wealth origins were credible, proportionate, and defensible from a regulatory scrutiny perspective.
• Reviewed Name List Screening (NLS), sanctions, Politically Exposed Person (PEP), and adverse media alerts, ensuring alerts were properly dispositioned, false positives were appropriately cleared, and genuine risk indicators were escalated with clear documentation of rationale and residual risk.
• Assessed PEP relationships and nexus exposure, including family members and close associates, ensuring enhanced risk mitigation measures were applied, senior approvals obtained where required, and ongoing monitoring controls were proportionate to the client’s inherent and residual risk rating.
• Reviewed and challenged waiver requests (temporary or permanent) relating to KYC gaps or policy deviations, ensuring that business justifications were robust, risk acceptances were properly approved, and mitigating controls were clearly documented in accordance with AFC governance standards.
• Tracked and oversaw post‑approval conditions imposed on higher‑risk clients, following up with front‑office or client lifecycle management teams to confirm timely remediation, evidence collection, and closure of outstanding risk actions.

Provided advisory support to front‑office and first‑line stakeholders on AML/KYC requirements, including interpretation of policies, regulatory expectations (AML, Counter‑Terrorist Financing, Proliferation Financing), and appropriate control application during client onboarding and review activities.

• Contributed to local AML risk assessments, supporting the identification of sector‑specific, geographic, and client‑type risks, and providing informed input based on observed control weaknesses, emerging typologies, and thematic findings from KYC reviews.
• Prepared clear, defensible case narratives and audit‑ready documentation, ensuring that all review conclusions, escalations, and risk decisions could withstand internal audit, regulatory inspection, and supervisory challenge.

Supported Management Information (MI) and governance reporting, collating KYC metrics, issue trends, and thematic insights for Global AFC and local reporting functions to enhance oversight, transparency, and continuous improvement of the KYC control framework.

• Recommended client rejection, restriction, or exit actions where AFC risk thresholds were breached, coordinating with relevant stakeholders to ensure orderly execution, complete documentation, and strict adherence to policy and regulatory requirements.
• Actively supported regulatory remediation and audit activities, responding to information requests, addressing identified gaps, and contributing to sustainable process improvements aligned with regulatory expectations and industry best practices.