Administrative Officer - Customer Due Diligence (Customer Review Unit)

We're a leading financial institution, a key player in the Maltese market and part of a highly diversified multi-national group of companies. With 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. 

Duties and responsibilities

The Administrative Officer – Customer Review Unit will be responsible for conducting detailed Customer Due Diligence (CDD) reviews. The Administrative Officer will be responsible to perform Customer Risk Assessments (CRA) together with ongoing client monitoring. The Administrative Officer will collect documentation and information required for the completion of the CDD profile throughout the entirety of the customer lifecycle, CDD trigger events and reviews.

The Administrative Officer will need to:

• Carry 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;
• Manage existing client CDD and CRA processes by analysing documentation collected, collate 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;
• Liaise with the client and actively participate in gathering detailed client information and supporting documentation required to complete the CDD profile and CRA reviews;   
• Analyse client transaction behaviour and correlate 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; 
• Ensure that any data input is dealt with in a timely manner and in the correct and consistent format;
• Conduct on-site and off-site client reviews keeping record thereof;
• Demonstrate 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;
• Ensure Sanctions Screening, KYC and PEP’s are fully investigated in line with regulatory requirements and the Bank’s policies and guidelines; and
• Strictly follow procedures, and work closely with CRU Manger to ensure the standards, workflows are respected and that potential risks are properly mitigated.

Competencies and experience

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

The Administrative Officer will need to have:

• Strong KYC and Customer Due Diligence knowledge;
• Internal and External Stakeholder management;
• Excellent verbal, formal written communication and social skills;
• Strong Data Analytics and Data Management; 
• Excellent planning, organisation and time management abilities;
• Ability to be flexible, manage priorities whilst remaining calm under pressure;   
• A positive ‘can do’ attitude and an ability to take ownership of tasks through to completion;
• Drive and resilience with ability to have difficult conversations;
• Ability to work collaboratively and independently when required;
• Ability to prioritise and be meticulous with attention to detail ; 
• Ability to be objective oriented and commercially minded.

What we Offer

• 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. 

BNF Bank plc is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.