KYC Analyst — CDD/EDD (China market)

Purpose The KYC Analyst (CDD/EDD Analyst) operates within the bank's centralized Compliance Shared Services Centre, delivering KYC processing support to retail and commercial banking business lines under a structured outsourcing model. The incumbent is accountable for executing Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) reviews to the standard and within the SLAs defined in the Master Services Agreement (MSA) between the Shared Services Centre and its banking clients. A critical differentiator of this role is the ability to process, interpret, and document KYC-relevant information in Mandarin Chinese — supporting Greater China and Mandarin-speaking client portfolios where source documents, corporate filings, and client communications are primarily in Mandarin. The analyst ensures that all deliverables meet the quality, accuracy, and regulatory compliance standards expected by the bank, its regulators, and its auditors, while operating within the governance framework of the engagement. Working Environment — Shared Services Context This role is embedded within a high-volume, process-driven shared services environment. Candidates should understand and be comfortable with the following operational realities: ▸  Work is governed by a defined Service Level Agreement (SLA) framework — turnaround times, quality scores, and productivity metrics are actively tracked and reported. ▸  Cases are allocated through a centralized workflow / case management system; the analyst is expected to self-manage their queue and escalate blockers proactively. ▸  Quality assurance (QA) reviews are conducted on a sample basis by a dedicated QA function; analysts are expected to maintain error rates within agreed thresholds. ▸  The team serves multiple banking clients or business lines; the ability to context-switch between different client procedures and risk appetites is essential. ▸  Continuous improvement is embedded in the operating model — analysts are expected to contribute to process refinement, documentation updates, and knowledge-sharing sessions.

1. Customer Due Diligence (CDD) ▸  Perform CDD for new and existing retail and commercial customers at onboarding, periodic review, and event-driven trigger points, in line with client-specific procedures and SLA requirements. Collect, verify, and assess identity documentation, beneficial ownership structures, and source of funds/wealth — including documents submitted in Mandarin Chinese. ▸  Classify customers accurately by risk tier (Low / Medium / High) using the bank's risk-based approach (RBA) framework. ▸  Maintain complete, accurate, and audit-ready KYC files in the case management system, ensuring full traceability and commentary in English regardless of source document language. ▸  Identify discrepancies or gaps in documentation and follow up with the client's relationship managers or operations team to resolve them within agreed SLAs. ▸  Meet daily and weekly case completion targets as defined in the SLA dashboard, flagging capacity or data-quality issues to the Team Lead in a timely manner. 2. Enhanced Due Diligence (EDD) ▸  Conduct in-depth EDD reviews for high-risk customers including PEPs, complex corporate structures (including Greater China holding entities and VIE structures), HNWIs, and non-resident customers. ▸  Review and interpret adverse media, corporate registry filings, and ownership documents sourced in Mandarin, producing accurate English-language risk summaries for the KYC file. ▸  Screen against sanctions lists (OFAC, UN, EU, MAS, local) and PEP databases using tools such as World-Check, Dow Jones, or Comply Advantage. ▸  Prepare detailed EDD reports and risk narratives, clearly articulating risk factors, mitigating controls, and recommended outcomes in English for client-side review. ▸  Escalate unresolved high-risk cases or red flags to the Senior KYC Manager or client-side