Customer Due Diligence Manager

The role

Every customer relationship starts with a question: who are they, really, and how much risk do they bring in with them. You own the answer. You lead the team that rates, reviews, and escalates that risk, and you're the one who signs off when a high-risk customer or a material CDD decision needs a second set of eyes. Get it right, and the bank knows exactly who it's banking with, before anything goes wrong.

What you'll do

Manage the CDD team, including work allocation, performance management, and staff development

Maintain the CDD framework, including customer risk rating, beneficial owner and PEP controls

Oversee high-risk customers, EDD, and source of funds/source of wealth reviews where required

Provide oversight of high-risk customer acceptance and material CDD/EDD decisions

Oversee periodic and trigger-based reviews, customer financial crime risk reassessment, and CDD remediation

Assess customer and geographic risk, including relevant FATF-identified jurisdictions and higher-risk countries

Oversee eKYC and digital onboarding controls and their effectiveness

Monitor CDD/EDD effectiveness and identify gaps, weaknesses, and emerging risks

Provide CDD/EDD input to new products, services, and material changes

What we're looking for

7+ years of financial crime/AML experience, with significant experience in CDD, KYC, and EDD, including supervisory or management experience

Strong knowledge of CDD/EDD, beneficial ownership, PEPs, and customer risk assessment

Knowledge of CBE/EMLCU and FATF requirements

A relevant AML/financial crime qualification is preferred

You'll thrive here if you

You'd rather ask one more question than accept a risk rating that doesn't quite add up

You treat a high-risk customer decision as something you'd defend to a regulator, not just sign off on

You can spot a gap in a CDD framework before an audit does

You want to build the function that decides who the bank actually does business with