KYC Processing Analyst

About the Role

Step into the role of KYC Processing Analyst, responsible for completing periodic KYC/CDD reviews for Barclaycard Issuing customers, ensuring customer information remains complete, accurate, and up to date.

Key Responsibilities

• Complete end-to-end KYC/CDD periodic refresh reviews for customers within the Barclaycard Issuing portfolio.
• Review existing customer information to identify gaps or changes requiring further investigation or supporting documentation.
• Validate key customer information, including:
• Customer/entity details
• Knowledge of identification & verification from public domain and third-party approved sources.
• Transactional analysis
• Nature of business and business activities
• Ownership and control structure
• Directors and relevant connected parties
• Source of funds/source of wealth, where applicable
• Other information required under the relevant KYC/CDD standard
• Perform appropriate customer and financial crime risk assessment in accordance with approved procedures.
• Review available internal and external information and evidence to support the completion of the refresh.
• Identify cases requiring additional information and initiate appropriate customer outreach.
• Review information and documentation received from customers to determine if requirements have been satisfactorily met.
• Maintain accurate case notes and a clear audit trail of decisions, evidence, and actions undertaken.
• Identify potential AML, sanctions, PEP, adverse media, or other financial crime risk indicators and escalate concerns through the prescribed process.
• Ensure cases are completed within agreed SLA and ageing requirements, proactively managing outstanding actions and dependencies.
• Complete cases to the required quality standard and respond to Quality Assurance feedback.
• Escalate complex cases, policy interpretation questions, and exceptions to the relevant SME/Team Leader.
• Support operational objectives relating to backlog reduction, productivity, quality, and timely completion of customer refresh reviews.
• Support business areas with day-to-day processing, reviewing, reporting, trading, and issue resolution.
• Collaborate with teams across the bank to align and integrate operational processes.
• Identify areas for improvement and provide recommendations in operational processes.
• Develop and implement operational procedures and controls to mitigate risks and maintain operational efficiency.
• Develop reports and presentations on operational performance and communicate findings to internal senior stakeholders.
• Identify industry trends and developments to implement best practice in banking operations.
• Participate in projects and initiatives to improve operational efficiency and effectiveness.
• Execute work requirements as identified in processes and procedures, collaborating with and impacting the work of closely related teams.
• Check work of colleagues within the team to meet internal and stakeholder requirements.
• Provide specialist advice and support pertaining to own work area.
• Take ownership for managing risk and strengthening controls in relation to own work or contributions.
• Deliver work and areas of responsibility in line with relevant rules, regulations, and codes of conduct.
• Maintain and continually build an understanding of how all teams in the area contribute to the objectives of the broader sub-function, delivering impact on the work of collaborating teams.
• Continually develop awareness of the underlying principles and concepts on which the work within the area of responsibility is based, building upon administrative/operational expertise.
• Make judgments based on practice and previous experience.
• Assess the validity and applicability of previous or similar experiences and evaluate options under circumstances not covered by procedures.
• Communicate sensitive or difficult information to customers in areas specifically related to customer advice or day-to-day administrative requirements.
• Build relationships with stakeholders/customers to identify and address their needs.

Requirements & Tech Stack

• Good working knowledge of Microsoft Excel, Outlook, and other standard Microsoft applications.

Qualifications

• Experience in KYC, CDD, AML, Financial Crime Operations, or customer due diligence.
• Understanding of periodic/ongoing KYC review processes.
• Ability to interpret customer and corporate information and supporting documentation.
• Strong analytical and investigative skills.
• Good written communication and ability to document a clear rationale for decisions.
• Strong attention to detail and ability to work within controlled processes.
• Ability to manage multiple cases against productivity and SLA expectations.
• Previous experience within Barclaycard, Barclays, or another regulated financial institution.
• Experience in Corporate/Commercial customer KYC.
• Understanding of ownership structures, UBO identification and corporate documentation.
• Knowledge of sanctions, PEP, and adverse-media considerations within CDD.
• Experience working within a maker/checker, QC or QA-controlled environment.