AML Periodic Review Analyst

About Us:

National Bank of Kuwait (Int'l) Plc. is a leading bank in Kuwait with a strong presence in the international market. We offer a wide range of banking and financial services to our customers, and we are committed to providing innovative and efficient solutions to meet their needs. Our team is made up of highly skilled and motivated professionals who work together to deliver exceptional results and drive the growth of the bank.

Job Purpose:

• To support the Bank’s AML compliance programme by conducting periodic reviews of customer files across both Retail and Private Banking. This includes ensuring that customer records are accurate and up to date, that due diligence requirements are met, and that any risks or issues are identified and escalated in line with internal procedures and regulatory expectations.

Key Responsibilities and accountabilities:

•  Carry out periodic reviews of customer files according to assigned risk levels (High – annual, Medium – every 3 years, Low – every 5 years), covering both Retail and Private Banking individual & corporate customers.
• Conduct and document Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) reviews for higher-risk customers.
• Review client transactional activity to ensure it aligns with the customer’s stated account purpose and expected behaviour.
• Identify and escalate gaps in documentation, missing KYC information, or other AML-related concerns.
• Perform World Check and Adverse Media screening; understand and summarise any relevant findings to support further review or escalation.
• Ensure customer information is accurately reflected in the Bank’s records and systems (e.g., Equation/DMS), submitting required updates via the Control Unit.
• Assist in monitoring and updating client risk ratings based on review findings and in line with internal policies & regulatory AML guidelines.
• Maintain clear and accurate records of reviews performed, including outcomes, documentation reviewed, and actions taken.
• Prepare and submit summary statistics on work completed and outstanding, as required.
• Support the PRTL and periodic review team in meeting regulatory and internal deadlines.
• Build and maintain effective working relationships with internal stakeholders and cross-functional teams.
• Raising a Suspicious Activity Report (SAR) in line with internal procedures where client activity appears suspicious or potentially linked to financial crime.

Essential qualifications & experience:

• Good university degree (minimum UK 2:1 or equivalent)
• Individual with an interest in pursuing a career in the Financial Crime sector
• Reasonable understanding of EDD, Corporate, Trusts & SPV structures.
• A full knowledge of Microsoft Application (Excel, Word, Powerpoint)
• Good knowledge of AML regulations (FATF, JMLSG, FCA, MLRs)

Essential competencies:

• Strong organizing skills and a self-motivated person
• Attention to detail
• Well-developed end-user computer skills 
• Strong inter-personal and communication skills, internal/external networker
• Team player 
• Creative and adaptable

Key Success Factors

• Ability to adopt a strategic view within the context of a risk-based methodology.
• demonstrate analytical thinking and perform consistently high-quality output 
• To contribute positively to small, close team and establish good working relationships with relevant parties and colleagues, particularly the relationship officers, which are the main source of information on customer information.
• Maintain accuracy, professionalism and meeting tight deadlines in high-stake environments.

Why work with us?

At National Bank of Kuwait (Int'l) Plc., we value our employees and believe in their professional growth. We offer a competitive salary package, comprehensive benefits, and opportunities for career advancement. As a member of our team, you will have the chance to work on challenging and innovative projects, while being supported by a collaborative and dynamic work environment. If you are passionate about AML, then we want to hear from you. Apply now and take the next step in your career!