Citi IPB US- KYC Checker (English/Spanish) in Miami, Florida

  • Primary Location: United States,Florida,Miami

  • Education: Bachelor's Degree

  • Job Function: Compliance and Control

  • Schedule: Full-time

  • Shift: Day Job

  • Employee Status: Regular

  • Travel Time: No

  • Job ID: 18032909


About Citi

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients.

Citi’s Mission and Value Proposition explains what we do and Citi Leadership Standards explain how we do it. Our mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. We strive to earn and maintain our clients’ and the public’s trust by constantly adhering to the highest ethical standards and making a positive impact on the communities we serve. Our Leadership Standards is a common set of skills and expected behaviors that illustrate how our employees should work every day to be successful and strengthens our ability to execute against our strategic priorities.

Diversity is a key business imperative and a source of strength at Citi. We serve clients from every walk of life, every background and every origin. Our goal is to have our workforce reflect this same diversity at all levels. Citi has made it a priority to foster a culture where the best people want to work, where individuals are promoted based on merit, where we value and demand respect for others and where opportunities to develop are widely available to all.

About the Business

International Personal Bank U.S. (IPB U.S.) is a segment of Citi’s U.S. Retail Bank that provides U.S.-based wealth management services to clients around the world. IPB U.S. offers its clients access to brokerage products and services as well as traditional banking products and services through three legal vehicles and offices located in the U.S. and several Latin American countries.

Job Description:

The KYC Checker position is responsible for reviewing all OneSource KYC Profile submissions to ensure quality and consistency in the KYC activities as per IPB U.S. AML procedures.

This position is not client facing.

Primary Activities:

  • Acting as an AML/KYC subject matter expert to the Relationship Managers (RMs)/ KYC Makers and Financial Professionals (FPs).

  • Verifying and validating KYC Profiles completed by the RMs/KYC Makers/FPs prior to approval of the KYC Profile.

  • Coaching and assisting the RMs/KYC Makers and FPs as needed.

  • Assisting in coordination of required approvals for all aspects of KYC Profiles.

  • Reviewing all OneSource KYC Profile submissions from the RMs/KYC Makers and FPs to ensure quality and consistency with the IPB U.S. AML Procedures.

  • Working with KYC REM and/or GSO teams to ensure the timely closing of any higher-risk client reviews.

  • Communicate to RM/ KYC Maker/ FPs any deficiencies or observations detected during completion of the KYC activity as per IPB U.S. AML procedures.

  • Verify any validation errors and supporting documentation surrounding completion of KYC activities including but not limited to: TTM (Transaction Trend Monitoring) Breaks, Anticipated Activity Monitoring (AAMs), EDD (Enhanced Due Diligence), CSS (Client Screening Solutions), Citi Country Officer No Objections, and addressing any other validation issues.

  • Ensure timely review of items assigned by queue manager/delegate as per service levels and highest quality level in KYC activities reviewed as per IPB U.S. AML standards.

  • Provide constructive guidance to RMs/KYC Makers and FPs to successfully apply the IPB U.S. AML Procedures during completion of KYC activities, maintaining a high level internal client service experience.

  • Escalating any potential, or material, AML or Sanctions risks discovered during the review of KYC Profiles to the RM/FP, BUCO, Direct Manager, ACRM and/or FIU.

  • Manage interaction with RMs/FP, KYC Makers, and other staff members, as needed, in support of AML/KYC activities

  • Escalate any issues or identified discrepancies encountered throughout analysis and review of KYC activities.

  • Complete all required trainings pertaining to the function on a timely manner.

  • Accomplish assigned tasks (including time sensitive tasks) within defined targets and adapt to changing priorities.

  • The KYC Checker must also provide details around the root cause of any errors and participate in any corrective actions that requires their engagement.


  • Minimum 5 years of Business experience in the Consumer and Commercial Banking industry and experience within a medium/large financial organization, including knowledge of banking products and different types of transactions.

  • Proven success in a client-focused environment.

  • Relevant work experience and understanding of global and local AML KYC regulations, associated risks of non-compliance and changing dynamics, and knowledge of KYC processes throughout the client lifecycle.

  • Understanding of the interdependencies of roles within KYC process and requirements for KYC Record successful completion across relevant client types.

  • Experience with regulatory compliance, AML transaction/risk monitoring tools, and solving AML related issues.

  • Highly effective verbal and written communications skills.

  • Detailed oriented.

  • Strong time management and analytical skills.

  • Proficient Microsoft Office user (i.e. Excel, Power Point)

  • Understanding of Bank’s policies and procedures.

  • High level of energy and enthusiasm

  • Strong commitment to the business and team

  • Bilingual – English and Spanish

  • Focused and driven attitude to support Sales with the Due Diligence process

  • Bachelor’s Degree or equivalent experience