AVP - Know Your Customer Advisory

Posted 16 Days Ago
Be an Early Applicant
Mumbai, Maharashtra, IND
In-Office
Entry level
Fintech
The Role
Assess and approve high-risk client onboarding and periodic KYC reviews; challenge CDD and EDD documentation; evaluate policy exceptions; advise on adverse media, ownership, and cross-border risks; analyze customer risk ratings; support policy implementation, metrics, dashboards, training, system enhancements, and user acceptance testing.
Summary Generated by Built In

Do you want your voice heard and your actions to count?

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. Across the globe, we’re 150,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.

With a vision to be the world’s most trusted financial group, it’s part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.

Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.

WORK EXPERIENCE
• Skilled professional with hands-on experience in know your customer (KYC) advisory, compliance, or financial crime risk
• Demonstrates sound judgment and ability to manage complex reviews

FUNCTIONAL SKILLS
• In-depth understanding of global KYC frameworks and jurisdictional nuances
• Experience with KYC screening systems and customer segmentation
• Familiarity with regulatory requirements and Wolfsberg principles
• Working knowledge of:
- KYC / customer due diligence (CDD) / enhanced due diligence (EDD) processes
- Customer risk rating methodologies
- Client onboarding and due diligence
• Experience reviewing politically exposed persons (PEPs), foreign correspondent banks, and high-risk clients
• Ability to interpret and apply regulatory guidance to onboarding and periodic reviews
• Familiarity with perpetual KYC models, digital identity verification, and shared due diligence platforms
• Strong analytical and communication skills for drafting risk acceptance memos, documentation
• Solid knowledge of KYC utilities, digital onboarding tools, and artificial intelligence (AI)-assisted risk scoring such as:
- KYC screening systems and name matching logic
- Data analysis and reporting tools (e.g., Excel, Tableau, Power BI)
• Cross-functional collaboration and stakeholder management abilities

FOUNDATIONAL SKILLS
• Communicates effectively
• Identifies multiple paths to success using analytical and critical thinking as well as decision-making skills
• Exercises sound judgement, prioritizes effectively, and strives for continuous improvement
• Effectively collaborates with colleagues
• Leverages available technology to drive efficiency and results
• Understands and applies industry trends and best practices
• Exhibits optimism, resilience, flexibility, and openness to others' ideas
• Values learning as a lifelong professional objective
• Engages inclusively and with intent
• Always acts with integrity

RESPONSIBILITIES
• Assess and approve high-risk client onboarding and periodic reviews in accordance with global standards
• Review and challenge CDD and EDD documentation for accuracy and regulatory sufficiency
• Evaluate and approve exceptions to KYC policy using a risk-based approach
• Advise on handling clients with adverse media, opaque ownership, or cross-border complexity
• Analyze customer risk ratings and recommend recalibration based on behavioral or jurisdictional risk shifts
• Support KYC policy implementation and exception management
• Conduct KYC risk assessments and customer reviews
• Assist in the development of KYC metrics and dashboards
• Collaborate with technology teams on KYC system enhancements
• Draft policy clarifications and contribute to KYC training content for frontline teams
• Apply insights from KYC utilities and AI tools to enhance due diligence outcomes
• Work on KYC system enhancements and user acceptance testing
• Conduct KYC risk assessments and relationship reviews

EDUCATION
• Degree or equivalent work experience equally preferable
CERTIFICATIONS
• Certified Anti-Money Laundering Specialist (CAMS) or equivalent experience

Mitsubishi UFJ Financial Group (MUFG) is an equal opportunity employer. We view our employees as our key assets as they are fundamental to our long-term growth and success. MUFG is committed to hiring based on merit and organsational fit, regardless of race, religion or gender.

Skills Required

  • Hands-on experience in KYC advisory, compliance, or financial crime risk
  • Experience managing complex reviews and exercising sound judgment
  • In-depth understanding of global KYC frameworks and jurisdictional nuances
  • Experience with KYC screening systems and customer segmentation
  • Familiarity with regulatory requirements and Wolfsberg principles
  • Working knowledge of KYC, CDD, and EDD processes
  • Knowledge of customer risk rating methodologies
  • Experience with client onboarding and due diligence
  • Experience reviewing PEPs, foreign correspondent banks, and high-risk clients
  • Ability to interpret and apply regulatory guidance to onboarding and periodic reviews
  • Familiarity with perpetual KYC models, digital identity verification, and shared due diligence platforms
  • Strong analytical and communication skills for drafting risk acceptance memos and documentation
  • Knowledge of KYC utilities, digital onboarding tools, and AI-assisted risk scoring
  • Experience with Excel, Tableau, or Power BI
  • Cross-functional collaboration and stakeholder management abilities
  • Degree or equivalent work experience
  • CAMS certification or equivalent experience
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The Company
HQ: New York, NY
30,196 Employees

What We Do

MUFG (Mitsubishi UFJ Financial Group) is one of the world's leading financial groups. Headquartered in Tokyo and with over 360 years of history, MUFG has a global network with over 2,500 locations in more than 50 markets including the Americas, Europe, the Middle East and Africa, Asia and Oceania. The Group has over 170,000 employees and offers services including commercial banking, trust banking, securities, credit cards, consumer finance, asset management, and leasing. Through close partnerships among our group companies, the Group aims to be the world's most trusted financial group, flexibly responding to all of the financial needs of its customers, serving society, and fostering shared and sustainable growth for a better world. MUFG's shares trade on the Tokyo, Nagoya, and New York stock exchanges.

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