Senior Analyst (Customer Due Diligence)

We're seeking to recruit a Senior Analyst to join our Customer Review Unit.

If you're interested in joining our team and satisfy the requirements outlined hereunder, then we're interested in you. 

Who we are

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.

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

Duties and responsibilities

The Senior Analyst - Customer Review Unit will be responsible for reviewing and providing recommendations pertaining to Customer Due Diligence (CDD) reviews and Customer Risk Assessments (CRA) throughout the entirety of the customer lifecycle, including onboarding, CDD trigger events and reviews thus ascertain profiles are approved only at a time when the requisite Customer Due Diligence documents are duly provided. Responsibilities will also include the mentoring of junior staff and delegation of duties, whilst monitoring the payments screening, name screening and automated transaction monitoring function.


You will be responsible for:

  • 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;
  • managing existing client CDD and CRA processes by analysing documentation collected, collating all information arising from investigations and recording 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 participating 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 escalate and raise STR accordingly;
  • ensuring that any data input is dealt with in a timely manner and in the correct and consistent format;
  • contributing to the development of the CDD and CRA plans of the Bank, participating in regular meetings and investigating areas as necessary, identifying the regulatory obligations prior to the review and ranking by materiality;
  • developing reports and discussing findings with Head of Unit, and leading in oversight initiatives while assessing effectiveness on an ongoing basis;
  • 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;
  • assisting in the preparation of the training material, submission of reports, participating in testing of new projects, and recommending updates to department working instructions;
  • 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; and
  • 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.

Competencies and experience

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

You must:

  • have strong KYC and Customer Due Diligence knowledge;
  • possess Internal and External Stakeholder management;
  • have excellent verbal, formal written communication and social skills;
  • demonstrate excellent written and verbal communication skills in both English and Maltese, with the ability to communicate effectively using a high level of business English.
  • have project management skills and be objective oriented;
  • have strong Data Analytics and Data Management;
  • have excellent planning, organisation and time management abilities;
  • be able to be flexible, manage priorities whilst remaining calm under pressure;   
  • have a Positive 'can do' attitude and the ability to take ownership of tasks through to completion;
  • have Drive and resilience;
  • be able to work collaboratively and independently when required;
  • have the ability to have difficult conversations;
  • have conflict management;
  • be meticulous with attention to detail;
  • have the ability to prioritise;
  • be a team Player and able to network;
  • be well organised and have a strong aptitude to learn;
  • be objective oriented and commercially minded.
  • have minimum 2 years experience within CDD/KYC/AML in Banking or Financial Services;
  • a recognised Anti Money Laundering, Compliance or Financial Crime Qualification will be preferred;
  • a Degree in Banking and Finance, Financial Services or related area will be considered an asset;
  • be proficient in MS Excel; and
  • have the ability to analyse, interpret and execute procedures.

How to apply

If you want to be part of our team, we invite you to send us a detailed CV highlighting your achievements. Applications should reach us only by email on

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