26973187 Client Onboarding Intermediate Analyst (Officer)

At Citi, we get to connect millions of people across hundreds of cities and countries every day.  And we've been doing it for more than 200 years.  We do this through our unparalleled global network.  We provide a broad range of financial services and products to our clients – whether they be consumers, corporations, governments or institutions – to help them meet their biggest opportunities and face the world's toughest challenges.

• Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more. Coverage varies by country

• We empower our employees to manage their financial well-being and help them plan for the future

Citi Wealth is an integration of Citi Private Bank and the Consumer Wealth organization into a single business enabling Citi to serve its clients across the wealth spectrum and capitalize on Citi’s industry leading capabilities to support the goal of Wealth, which is to be the leading wealth management provider globally.

Job Purpose

The Client Onboarding Intermediate Analyst is responsible for delivering accurate, efficient, and compliant account opening function for retail banking customers. The role supports frontline and digital channels by ensuring all customer onboarding activities meet regulatory, risk, and internal policy requirements while providing a positive customer experience. The candidate is expected to be responsible for handling daily BAU activities including account opening and customer onboarding, compliance and risk management, delivering operations and service quality, stakeholder collaboration, and team management.

Key Responsibilities

Account Opening & Customer Onboarding

• Process retail bank account opening requests (e.g., savings, current, and bundled accounts) across branch and/or digital channels

• Verify customer identity and documentation in line with KYC, AML, and regulatory requirements

• Ensure accurate data capture and timely completion of account setup within service level agreements (SLAs)

• Resolve documentation gaps or discrepancies by coordinating with business development teams, sales and service teams, or customers

Compliance & Risk Management

• Adhere strictly to AML, KYC, sanctions screening, and local regulatory requirements

• Perform customer due diligence (CDD), enhanced due diligence (EDD), and risk profiling where required

• Identify, escalate, and document potential risk or compliance issues in accordance with escalation protocols

• Maintain audit-ready documentation and support internal and external audits

• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency

• Makes evaluative judgments based on the analysis of factual information

Operations & Service Quality

• Provide an excellent standard of service to our clients both internally and externally

• Ensure high quality, error-free processing and contribute to minimizing rework and customer complaints

• Track and manage account opening cases through internal systems and workflows

• Support process improvements to increase efficiency, accuracy, and turnaround time

• Meet individual productivity, quality, and risk metrics

• Identify opportunities for process improvements and drive digital enhancements and AI adoption to streamline processes

Stakeholder Collaboration

• Work closely with branch staff, sales teams, compliance, and operations partners

• Provide guidance to frontline teams on account opening requirements and documentation standards

• Participate in training, policy updates, and system enhancements related to customer onboarding

• Act as the primary point of contact for escalations, cross-functional collaboration, and reporting

Team Management

• Oversee day-to-day team operations, ensuring efficiency, quality, and adherence to processes and policies

• Disciplined capacity and leads pipeline planning for account establishment for new and existing clients

• Track and report on team performance metrics, productivity, and key deliverables

• Identify and assume ownership of issues

• Take responsibility for assigned tasks and prioritize to ensure expectations are met.

• Co-ordinate and maintain a calendar of tasks for the team, ensuring the team meets the agreed deadlines.

• Implement effective risk awareness within the team, ensuring each member of the team adheres to all documented controls.

Qualifications

Education

• Bachelor’s degree or equivalent practical experience in Banking, Finance, Business, or a related field

Experience

• Minimum 5 years of experience in retail banking operations, account opening, customer onboarding, or banking back-office roles

• Prior exposure to KYC/AML processes is preferred

Skills & Competencies

• Strong attention to detail and commitment to accuracy

• Good understanding of retail banking products and account structures

• Familiarity with KYC, AML, and regulatory onboarding standards

• Effective communication and coordination skills, with intermediate problem solving skills

• Ability to manage multiple cases and meet deadlines in a high-volume environment

• Comfortable working with banking systems and digital tools

• Ability to build a strong and trusted working relationship with your team and colleagues

• Completion of all assigned trainings and management of your own training path by identifying personal training needs and opportunities.

Behavioral Expectations

• Demonstrates integrity and strong risk awareness

• Customer-focused mindset with a commitment to service excellence

• Team-oriented with the ability to work collaboratively across functions

• Proactive in identifying issues and suggesting improvements