Customer Reviews & Onboarding Manager - 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 Customer Review & Onboarding Manager will be responsible for conducting recommendations on Customer Due Diligence (CDD) reviews and Customer Risk Assessments (CRA) together with ongoing transaction monitoring. The Manager will oversee the collection of 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.  

You will be responsible for:

• managing and leading periodic CDD, CRA and Investigations that include an analysis of the customer's profile as it relates to personal identification, corporate affiliations, licensing, and other related documentation
• managing the High-risk portfolio of the bank, anticipating and managing work volumes, creating and maintaining processes to defined SLAs, ensuring any risks to the timescales are escalated to the Head of Department
• overseeing the new corporate client onboarding process and providing feedback to enhance the client onboarding experience
• analysing client transactions in line with KYC
• ensuring that any data input is dealt with in a timely manner and in the correct and consistent format
• developing the CDD, CRA and transaction monitoring plan for the Bank whilst ensuring that the plan is being implemented in line with established timeframes. This also involves reviewing the plan to ensure the accuracy and completeness of the regulatory requirements that will be assessed as well as proposing recommendations for improvement
• performing the Enhanced CDD (EDD) process on high-risk customers, monitoring transactions and managing alerts related to AML/CFT
• discussing findings with senior management, contributing to the development of the reports whilst overseeing oversight initiatives, assessing effectiveness on an ongoing basis and recommending actions to be taken
• controlling workflow processes and adhering to all associated procedures
• communicating and assisting MLRO in financial crime compliance
• participating in regular meetings and investigating areas as necessary, including performing random checks with respective analysts
• monitoring of regulatory developments within the area of responsibility and identifying, in a timely manner, relevant legislation to ensure compliance with legislative initiatives impacting the Bank
• providing advice on the changes required to address existing weaknesses and/or deficiencies, in order to meet the respective regulatory obligations
• assisting in business risk assessments, in line with the bank's Policies and Procedures, particularly measuring the threats and vulnerabilities of the Bank's operations to money laundering and funding of terrorism
• assisting in the application of all relevant policies, procedures, and processes relating to all areas of AML, CFT, CDD and CRA
• maintaining a strong control environment in which compliance and risk control are key performance criteria
• maintaining the highest standard of excellence in customer service and answering analyst queries as and when they arise       
• managing, developing and mentoring Unit members while driving continuous improvement, including embedding new ways of working, processing re-engineering and improving cross-team communication
• acting as a point of escalation and escalating to the Head of Department where necessary; and
• liaising with colleagues and clients to ensure that the Bank's obligations are met.

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
• have Internal and External Stakeholder management
• possess excellent verbal, formal written communication and social skills
• 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, and manage priorities whilst remaining calm under pressure
• have a positive 'can do' attitude and an 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 skills
• be meticulous with attention to detail
• be able to prioritise
• 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
• be a team Player and able to network
• be well organised and have a strong aptitude to learn; and
• be objective-oriented and commercially minded
• Have a minimum of 5 years of 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 a related area will be considered an asset
• be proficient in MS Excel; and
• have the ability to analyse, interpret and execute procedures.

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.