The KYC Operations Senior Analyst is an intermediate-level professional responsible for executing Anti-Money Laundering (AML) monitoring, governance, and regulatory reporting activities. This role is integral to the development and management of Citi's internal Know Your Client (KYC) program. The ideal candidate will apply in-depth disciplinary knowledge to contribute to the development of new techniques and the improvement of processes and workflow. Operating with a high degree of independence, this individual will ensure compliance with all applicable laws, regulations, and internal policies, safeguarding the firm's reputation and assets.
- Independently reviews quality, validates, verifies, and signs off on the files completed by the Maker/Checker to ensure full accuracy, compliance, and procedural alignment before final approval and system submission.
- Act as a critical review point for KYC records and submissions from junior analysts across global hubs, ensuring accuracy, completeness, and adherence to established procedures.
- Conduct and analyze complex Enhanced Due Diligence, client name screening dispositions, and sanctions reviews for high-risk client profiles.
- Proactively identify, analyze, and escalate potential money laundering risks, suspicious activities, and compliance deficiencies to senior management with transparency.
- Serve as a Subject Matter Expert (SME) on KYC matters, providing guidance and support to senior stakeholders, private bankers, and other team members.
- Liaise effectively with internal and external stakeholders to manage exceptions, resolve complex issues, and facilitate a seamless and efficient onboarding experience.
- Develop and prepare detailed client risk assessments, exception management reports, and various Management Information System (MIS) reports to support management reviews and strategic decision-making.
- Lead initiatives to streamline and re-engineer the KYC and onboarding workflow by conducting gap analyses of current processes against evolving policies and leveraging proficiency with relevant AI tools.
- Assume project management responsibilities as needed, including the development of project plans, conducting risk analyses, and providing regular progress updates to senior leadership.
- Drive and ensure adherence to all applicable laws, rules, and regulations, applying sound ethical judgment in all business practices to protect Citigroup, its clients, and its reputation.
- Operate with a high degree of autonomy and limited direct supervision, exercising independent judgment to make sound business and risk-related decisions.
- Establish and maintain strong working relationships with clients, stakeholders, and team members, fostering an environment of open, direct, and effective communication.
Qualifications:
- 8+ years of experience in KYC/AML process, compliance, operations, risk & control functions
- Demonstrated interpersonal skills, pro-active team player but also able to work independently, with strong written and verbal communication skills
- Ability to manage multiple stakeholders across levels, businesses, and geographies
- Highly motivated, persistent, and able to work in a structured, high volume, time sensitive, high-risk environment
- Capable of multitasking and eager to learn multiple products in a challenging environment. Fast learner, strong attention to detail, and willingness to go extra mile
- Proficient in handling urgent and escalation cases and manage internal team expectations
- Proficient in Microsoft Office Applications
- Consistently demonstrates clear and concise written and verbal communication skills
- Proficient knowledge of English (written and spoken)
Education:
Bachelor's degree
CAMS Preferred
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Job Family Group: Operations - Services------------------------------------------------------
Job Family:Business KYC------------------------------------------------------
Time Type:------------------------------------------------------
Most Relevant Skills Business Acumen, Credible Challenge, Laws and Regulations, Management Reporting, Policy and Procedure, Program Management, Referral and Escalation, Risk Controls and Monitors, Risk Identification and Assessment, Risk Remediation.------------------------------------------------------
Other Relevant Skills Anti-Money Laundering (AML).------------------------------------------------------
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
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View Citi’s EEO Policy Statement and the Know Your Rights poster.
Skills Required
- 8+ years of experience in KYC/AML, compliance, operations, risk and control functions
- Bachelor's degree
- Proficient in Microsoft Office applications
- Strong written and verbal communication skills in English
- Demonstrated interpersonal skills and ability to work independently and with teams
- Ability to manage multiple stakeholders across levels, businesses, and geographies
- Experience handling urgent/escalation cases and managing internal team expectations
- Experience conducting Enhanced Due Diligence, sanctions reviews, and client name screening dispositions
- Experience preparing client risk assessments, exception management reports, and MIS reporting
- Proficiency with relevant AI tools to streamline KYC and onboarding workflows
- CAMS certification
Citi Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Citi and has not been reviewed or approved by Citi.
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Healthcare Strength — Benefits coverage is positioned as comprehensive, including health, dental, and vision insurance plus on-site clinics, prescription drug support, and disability coverage. Family-building support such as fertility assistance is described as a notable differentiator within the overall package.
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Retirement Support — Retirement benefits are framed as strong, highlighted by a 401(k) with matching and additional plan options like a Roth 401(k). Financial support is reinforced through discounts and broader financial guidance resources tied to the benefits ecosystem.
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Wellbeing & Lifestyle Benefits — Wellbeing support extends beyond insurance through programs like an Employee Assistance Program, counseling/legal resources, and gym or wellness reimbursement. These offerings increase the perceived total rewards value even when cash compensation sentiment varies by role.
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