Account Opening and Periodic Review Case Officer - Expat Banking

Position             

Account Opening and Periodic Review Case Officer 

Group

NBKI London

Reports To

Deputy Head and Operational Lead 

Direct Reports

0

Internal Relationships

• London Management and Staff All Levels
• NBK Group Staff and teams, including business, strategy, IT, branding

External Relationships

• Prospective and existing Expat Clients

Number of full-time equivalent employees - 1

Grade

C – Senior Officer

Job Purpose

The role owns the end-to-end processing of new account applications, ensuring a smooth, compliant and efficient onboarding experience for all clients. The position is responsible for guaranteeing full KYC completeness, maintaining high standards of verification accuracy and supporting timely onboarding to meet internal service level targets. The role also conducts periodic client reviews and ensures the bank maintains up to date and accurate client information in line with regulatory expectations.  

Key Responsibilities & Accountabilities

End-to-end Account Onboarding: 

• Manage the full lifecycle if new account applications form submission through to activation.
• Review application documentation for completeness, ensuring adherence to internal policies and regulatory requirements 
• Co-ordinate with the prospective client to resolve missing or incomplete information.
• Ensure timely turnaround of applications in line with service level agreement. 

KYC & Verification: 

• Perform KYC checks on all new clients, ensuring all mandatory documents and risk assessments are completed. 
• Validate identity, address, source of funds/Wealth and other client information through approved verification methods. 
• Maintain the highest standards of accuracy to prevent compliance breaches and reduce operational risk.
• Escalate any concerns, red flags or unusual activity in accordance with AML and internal escalation procedures. 

Client Experience and Service Delivery:

• Provide a consistent, professional and client-centric onboarding experience.
• Communicate clearly and efficiently with clients, relationship managers and internal teams. 
• Ensure onboarding processes are aligned to the bank’s customer experience standards and regulatory obligations. 

Annual Periodic reviews: 

• Conduct annual reviews for existing clients including validation of customer information and documentation. 
• Identify missing. Outdated or incomplete data and follow up with clients or relationship managers to ensure timely updates.
• Complete risk reviews and ensure continued compliance with AML and KYC Requirements. 

Operational Excellence: 

• Maintain accurate records and documentation within internal systems.
• Contribute to ongoing process improvement initiatives aimed at streamlining onboarding and review workflows.
• Support audits, regulatory requests and internal reviews by providing accurate and complete information.

Stakeholder Collaboration: 

• Work closely with relationship Managers, Compliance, Operations and Risk teams to deliver efficient onboarding and review outcomes.
• Provide updates on application status, KYC progress and potential issues. 
• Support training or guidance for frontline teams on documentation requirements and onboarding expectations. 

Anti Money Laundering (AML) and Sanctions Responsibilities

As a client-facing department, the Expats Banking department serves as the first line of defence to prevent NBKI from being used to facilitate money laundering, terrorist financing, and sanctions breaches (collectively known as “Financial Crime”). 

The role has a responsibility to:

1. To reinforce to the Department that, as owners of the relationship that generates Financial Crime risks, the Department also has responsibility for mitigating those risks
2. To ensure that Departmental business is conducted in accordance with NBKI Financial Crime Policy and Procedures applicable to the Department and Bank as a whole 
3. To ensure that Financial Crime controls are operating effectively within the Department
4. To understand the Financial Crime Risk within the Department and contribute to the annual Business AML Risk Assessment produced annually by the MLRO
5. To bring to the immediate attention of the MLRO and/or the Managing Director any material Financial Crime risk of which they become aware within the Department.

Qualification & Experience

Essential Experience:

• Demonstrable experience in client onboarding, KYC/AML or banking operations within a regulated financial services environment.
• Strong understanding of regulatory frameworks, including ALM, CDD, EDD and risk-based client assessment. 
• Experience reviewing and validating client documentation, including identity, address, source of funds/wealth.
• Proven ability to manage end-to-end operational processes with a high level of accuracy and attention to detail. 
• Experience of working with relationship managers, risk and compliance teams to resolve onboarding or documentation issues.
• Familiarity with digital onboarding tools, workflows systems and customer data platforms. 

Desirable Experience:

• Experience conducting periodic KYC reviews or supporting remediation projects.
• Background in Private, international or Expat banking environments.
• Knowledge of cross-border regulatory requirements 
• Exposure to AML investigations, SAR escalations or financial crime prevention.

Competencies

The role requires strong attention to detail, solid regulatory and risk awareness and a commitment to delivering excellent and compliant client experience. Confidence in problem solving, sound judgement and the ability to communicate effectively with clients and internal teams. Strong time management and prioritisation are essential to meet service levels, alongside a sense of ownership and accountability for end-to-end tasks. The role also demands adaptability, continuous improvement mindset and confidence using digital onboarding tools and workflows. 

Skills

• Experience in client onboarding, KYC or operational banking processes.
• Strong understanding of AML/KYC requirements and regulatory expectations. 
• Excellent attention to detail and accuracy. 
• Strong communication skills with the ability to work cross-functionally. 
• Ability to prioritise workload and meet deadlines. 
• Client focused mindset with a commitment to delivering quality outcomes. 

Committee membership/involvement

N/A

Success Factors

• Consistently meets onboarding service levels.
• Achieve 10% KYC completeness
• Maintains string regulatory compliance 
• Delivers a smooth professional client experience 
• Demonstrates strong collaboration 
• Identifies and escalates risk appropriately 
• Completes annual periodic reviews on time 
• Shows excellent judgement and attention to detail 
• Contribute to continuous process improvement
• Build trust with internal stakeholders

AML/KYC responsibilities

• Adhering to NBKI’s Financial Crime Policies & Procedures;
• Responsibility for conducting KYC in accordance with NBKI’s customer due diligence procedures;
• Ensure periodic reviews are being conducted in accordance with the risk classification of the client;
• Address any material changes to the clients’ circumstances; 
• To notify the MLRO or Deputy MLRO of any potential suspicious activity;
• Complete training on a timely basis as assigned by the Financial Crime Department;
• Assist and help the AML Middle Office with any transaction monitoring queries.