Location: Bengaluru, Karnataka, India

You will drive continuous improvement by enhancing procedures, controls, and operational efficiency in partnership with Compliance and business stakeholders.

As a KYC/AML Associate in KYC Team, you will lead day-to-day delivery of onboarding and ongoing KYC activities across jurisdictions. You will combine maker-checker responsibilities with team leadership, ensuring quality, timeliness, and effective escalation management. 

Job Responsibilities

• Lead the team managing customer onboarding and ongoing KYC maintenance under AML requirements.
• Oversee risk-based due diligence decisions aligned to client type, location, and activity.
• Perform maker-checker reviews and quality checks to ensure KYC record accuracy and completeness.
• Coordinate client and related-party screening and the resolution of screening alerts.
• Escalate exceptions, issues, and high-risk items to appropriate stakeholders and governance forums.
• Partner with Global Financial Crime Compliance, Relationship Managers, and senior management on client acceptance decisions.
• Maintain and improve procedures, controls, and systems to meet regulatory and internal standards.
• Identify process gaps and implement enhancements to improve quality, cycle times, and throughput.
• Ensure timely responses to stakeholder queries and completion of daily assigned workloads.
• Support prioritization and coach team members through complex cases and competing deadlines.
• Contribute to projects, training, and ongoing education on financial crime-related topics.

Required qualifications, capabilities and skills

• Demonstrate strong working knowledge of AML laws, regulations, and KYC/CDD/EDD standards.
• Apply sound judgment to risk-based due diligence and escalation decisions.
• Execute high-quality KYC maker-checker reviews with strong attention to detail.
• Operate confidently within screening and transaction monitoring processes and concepts.
• Communicate clearly with stakeholders across Compliance, Client Service, and front office partners.
• Lead day-to-day workload management, prioritization, and issue resolution in a fast-paced environment.
• Drive measurable process improvements using data, root-cause thinking, and control mindset.

Preferred qualifications, capabilities and skills

• Manage teams through coaching, feedback, performance management, and talent development.
• Navigate multi-jurisdictional requirements and operational nuances across regions.
• Leverage workflow tools and case management systems to improve transparency and control.
• Design and implement operating procedures, QC frameworks, and control testing routines.
• Partner effectively with senior stakeholders to influence outcomes and align on risk decisions.
• Deliver change initiatives that improve client experience while strengthening compliance outcomes.
• Stay current on industry trends and emerging financial crime risks impacting KYC programs.

Lead client onboarding and financial crime controls, owning partnerships and processes that enhance client experience.