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.

• 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.