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 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 twelve 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.

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The Analyst will collect documentation and information required for the completion of the Customer Due Diligence profile throughout the entirety of the customer lifecycle, including onboarding, CDD trigger events and reviews, adverse media screening and automated transaction monitoring investigations.  Assist in training junior staff whilst assessing their quality of work.

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You will be responsible for:

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• carrying out Ongoing Monitoring and Trigger Reviews of Customers using the risk-based approach as established in the Bank’s Policies and Procedures, Customer Acceptance Policy and Customer Due Diligence Principles;
• conducting detailed Customer Due Diligence (CDD) reviews and perform Customer Risk Assessments (CRA) together with ongoing client monitoring and onboarding;
• collecting documentation and information required for the completion of the CDD profile throughout the entirety of the customer lifecycle, including onboarding, CDD trigger events and reviews, adverse media screening and automated transaction monitoring investigations;
• assist in training junior staff whilst assessing their quality of work;
• managing existing client CDD and CRA processes by analysing documentation collected, collating all information arising from investigations and record all findings accordingly in the defined SLAs, ensuring any risks to the timescales are escalated to the Head of Unit;
• liaising with the client and actively participate in gathering detailed client information and supporting documentation required to complete the CDD profile and CRA reviews;  
• 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 raise STR accordingly;
• ensuring that any data input is dealt with in a timely manner and in the correct and consistent format;
• conducting on-site and off-site client reviews keeping record thereof;
• demonstrating team spirit by completing standard office tasks and other duties such as liaising with colleagues and clients 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 MO Manger 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; and
• training new joiners and assessing their work in line with the Risk-Based Approach and Bank’s policies and procedures.

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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;
• have social skills;
• possess project management skills and be objective oriented;
• have strong Data Analytics and Data Management;
• be excellent at planning, organisation and have time management abilities;
• have the ability to be flexible, 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;
• be able to work collaboratively and independently when required;
• be able  to have difficult conversations;
• have conflict management resolution skills;
• have experience in being meticulous with attention to detail;
• be able to prioritise;
• have a mindset to be objective oriented and commercially minded;
• have minimum 2 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.