We're a leading financial institution, a key player in the Maltese market and part of a highly diversified multi-national group of companies. Employing a team of over 270 employees, the Bank offers a full range of lending and savings solutions to both personal and business customers. We strive to offer a highly personalised service through our network of thirteen retail branches spread across the Maltese Islands.

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We're a team of inspired people who believe that opportunities start with a conversation.

You will be responsible for:

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• analysing client transaction behaviour and correlating with the source of funds and source of wealth information and documentation collected from the customer and other sources, furthermore if suspicious of ML/FT arise, then escalating and raising STR accordingly;
• conducting investigations on Name and Payment Screening and Automated Transaction hits;
• demonstrating team spirit by completing standard office tasks and other duties such as liaising with colleagues to ensure that the Bank's obligations are met whilst maintaining the highest standard of excellence in customer service;
• ensuring Sanctions Screening, KYC and PEP’s are fully investigated in line with regulatory requirements and the Bank’s policies and guidelines;
• strictly following procedures, actively contributing to process improvements and working closely with CRU Mangers to ensure the standards, workflows are respected and that potential risks are properly mitigated;
• proactively conducting payment analysis of transactions to link unidentified transactions and accounts to known fraudulent activity by investigating suspicious alerts with proper analysis and follow up;
• ensuring that names with hits are investigated in a timely manner with the necessary escalations being undertaken to safeguard AML/CFT policies and procedures whilst risks are mitigated through proper documentation and rationale;
• participating in regular meetings and investigating areas as necessary amongst the CRU or with other internal colleagues like FCC Office;
• assisting in business risk assessments, in line with the bank's Policies and Procedures, measuring the threats and vulnerabilities of the Bank’s operations; and
• assist in the application of all relevant policies, procedures, processes for CRU relating to all areas of anti-money laundering (AML) and CDD.

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The potential candidate should be reliable and trustworthy, well-organised with a disposition to learn and have a team-oriented approach.

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You must:

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• have strong KYC and Customer Due Diligence knowledge;
• have internal and External Stakeholder management;
• demonstrate excellent verbal, formal written communication skills in both English and Maltese, with the ability to communicate effectively using a high level of business English;
• demonstrate social skills;
• have project management skills and be objective oriented;
• have strong Data Analytics and Data Management;
• be excellent in planning, organisation and have time management abilities;
• be flexible and able to manage priorities whilst remaining calm under pressure;  
• have a positive ‘can do’ attitude and an ability to take ownership of tasks through to completion;
• be driven and  resilient;
• have the ability to work collaboratively and independently when required;
• be able  to have difficult conversations;
• demonstrate conflict management resolutions skills;
• be meticulous with attention to detail;
• have the ability to prioritise; and
• have a mindset to be objective oriented and commercially minded.
• have minimum 1 years’ experience within CDD/KYC/AML in Banking or Financial Services;
• have Recognised Anti Money Laundering, Compliance or Financial Crime Qualification will be preferred;
• have degree in Banking and Finance, Financial Services or related area will be considered an asset;
• be proficient in MS Excel; and
• be able to analyse, interpret and execute procedures.

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• Ongoing personal development;
• Preferential interest rates on home loans, personal loans and home value loans;
• Comprehensive support for academic advancement through fully subsidized staff study loans;
• Private clinic health insurance coverage, extendable to dependants;
• Life insurance and personal accident cover;
• Free ophthalmic examinations;
• Private counselling sessions in collaboration with Richmond Foundation;
• Additional half-day leave for birthday celebrations;
• Annual performance appraisals and salary reviews;
• €250 annual wellness allowance;
• Complimentary mammogram screenings for female employees aged over 40 and PSA screenings for male employees aged over 40;
• Flexible work arrangements (role permitting); and
• Various corporate discounts.
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BNF Bank plc is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.