KYC Analyst

About the Role

Step into the role of KYC Analyst, responsible for completing periodic KYC/CDD reviews for Barclaycard Issuing customers, ensuring customer information remains complete, accurate, and up-to-date. The analyst will review customer profiles, obtain and validate required information/documentation, identify potential financial crime risks, and progress cases in line with applicable procedures and defined service levels.

Key Responsibilities

• Complete end-to-end KYC/CDD periodic refresh reviews for customers allocated within the Barclaycard Issuing portfolio.
• Review existing customer information and 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 completion of the refresh.
• Identify cases requiring additional information and initiate appropriate customer outreach.
• Review information and documentation received from customers and determine whether 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 where applicable.
• 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 various business areas with day-to-day initiatives including processing, reviewing, reporting, trading, and issue resolution.
• Collaboration with teams across the bank to align and integrate operational processes.
• Identification of areas for improvement and providing recommendations in operational processes.
• Development and implementation of operational procedures and controls to mitigate risks and maintain operational efficiency.
• Development of reports and presentations on operational performance and communicate findings to internal senior stakeholders.
• Identification of industry trends and developments to implement best practice in banking operations.
• Participation in projects and initiatives to improve operational efficiency and effectiveness.
• Perform prescribed activities in a timely manner and to a high standard.
• Execute work requirements as identified in processes and procedures, collaborating with and impacting on the work of team members.
• Identify escalation of policy breaches as required.
• Take responsibility for customer service and operational execution tasks.
• Take ownership for managing risk and strengthening controls in relation to the work you own or contribute to. Deliver your work and areas of responsibility in line with relevant rules, regulation and codes of conduct.
• Gain and maintain an understanding of own role, how the team integrates to achieve overall objectives, alongside knowledge of the work of other teams within the function.
• Work within well-defined procedures that may involve a variety of work routines.
• Demonstrate an understanding of the procedures.
• Evaluate and select the appropriate alternatives from defined options.
• Make judgements based on the analysis of factual information.
• Build relationships with stakeholders and customers to identify and address their needs, in support of a smooth operating process, handling sensitive issues as required.

Requirements & Tech Stack

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

Qualifications

• 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.

This role is based out of Chennai.