Equity Bank Kenya Manager – AML & KYC Advisory Jobs
Job Purpose
The Manager – AML & KYC Advisory is responsible for providing risk-based AML/CFT/CPF and KYC advisory opinions, independent review and challenge on customer onboarding, retention and high-risk relationships across the Bank.
The role ensures that Customer Due Diligence (CDD), Enhanced Due Diligence (EDD) and beneficial ownership assessments meet regulatory and policy requirements, advisory decisions are documented and consistent, and material customer financial crime risks are escalated in a timely manner.
Key Responsibilities
Provide risk-based opinions on onboarding, customer retention, CDD, EDD and complex KYC exceptions.
Review and challenge Politically Exposed Person (PEP) assessments, adverse media findings, source of funds and wealth assessments, high-risk sectors and proposed customer acceptance decisions.
Analyze complex ownership and control arrangements, documentation sufficiency, trusts, nominee structures and layered entities.
Advise on customer risk-rating overrides, event-driven reviews, periodic reviews and mitigation measures.
Contribute to KYC policy development, digital onboarding initiatives and risk-rating system enhancements.
Document advisory decisions, escalate material risks and support regulatory inspections.
Review specialist opinions, supervise workload and coach analysts.
Key Accountabilities
Deliver timely, documented and consistent advisory opinions within agreed service levels.
Assess the adequacy of CDD and EDD conducted by the First Line and challenge gaps in information, verification processes or risk mitigation measures.
Review PEP, adverse media, high-risk jurisdiction and high-risk sector cases and recommend acceptance, conditions or rejection.
Assess source of funds and source of wealth explanations, including supporting evidence, for plausibility and sufficiency.
Analyze beneficial ownership and control structures and confirm documentation sufficiency in line with regulatory requirements.
Review customer risk-rating overrides and recommend appropriate risk classifications and mitigation measures.
Advise on event-driven reviews triggered by transaction monitoring, sanctions screening, adverse media findings or law enforcement requests.
Maintain an advisory log and quality-assured case files to support audits and regulatory reviews.
Identify recurring KYC deficiencies and control weaknesses and report them for remediation by accountable owners.
Provide technical input into KYC procedures, digital onboarding journeys, risk-rating tools and new product reviews.
Escalate material customer financial crime risks to the Senior Manager – KYC Advisory and the Money Laundering Reporting Officer (MLRO).
Support regulatory inspections, audits and
correspondent banking due diligence requests.
Supervise, review and coach analysts while maintaining quality standards for advisory outputs.
Core Competencies and Skills
Strong knowledge of AML/CFT/CPF laws, CBK Prudential Guidelines, FATF Standards and beneficial ownership requirements.
Expertise in CDD, EDD, PEP assessments, adverse media investigations and source of funds and wealth analysis.
Ability to analyze complex corporate structures, trusts and nominee arrangements.
Strong understanding of banking products, customer segments and financial crime typologies.
Strong analytical, investigative and risk assessment capabilities.
Clear and concise advisory writing and report preparation skills.
Effective stakeholder engagement and constructive challenge capability.
Supervisory, coaching and team development skills.
High integrity, independence, discretion and sound judgment.
Experience
Minimum seven (7) years’ experience in AML/CFT/CPF, KYC, Financial Crime Compliance, Risk Management or Internal Audit within the financial services sector.
At least three (3) years’ experience in a supervisory or senior specialist role.
Demonstrated experience in CDD, EDD, PEP and beneficial ownership assessments for complex customers.
Experience supporting KYC remediation programmes, regulatory inspections and correspondent banking due diligence.
Prior experience in a Tier 1 bank and familiarity with CBK and FRC supervisory expectations will be an added advantage.
Academic and Professional Qualifications
Bachelor’s degree in Law, Finance, Banking, Commerce, Accounting, Economics, Risk Management or a related field.
Master’s degree in a relevant discipline will be an added advantage.
Professional certifications such as CAMS, ICA Diploma in AML, ICA Certificate in KYC and CDD, CFE, CPA(K) or equivalent qualifications.
Demonstrated commitment to continuous professional development in AML/CFT/CPF and customer due diligence.
How to apply
For more information and job application details, see; Equity Bank Kenya Manager – AML & KYC Advisory Jobs
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