Assistant Manager, CMU On-boarding

Job Summary

As the Assistant Manager for CMU Onboarding within our SME Banking division, you will play a pivotal role in the client onboarding journey, working collaboratively with Relationship Managers to meticulously assess and validate client profiles. Your responsibilities will include ensuring all client documentation meets the rigorous SME Banking standards and regulatory requirements. This role demands a comprehensive understanding of risk assessment procedures, attention to detail, and a commitment to maintaining the highest standards of compliance and client due diligence.

This position is designed for a proactive professional who takes ownership of the client onboarding process from start to finish, supporting the business in minimizing risk exposure and enhancing operational efficiency. You will be an essential part of a dynamic team dedicated to safeguarding the integrity of our services while fostering excellent client relationships.

Key Responsibilities

• Lead the end-to-end client approval process within the SME Banking segment, ensuring seamless execution and adherence to internal policies.
• Thoroughly examine New Account Opening Documentation to verify completeness, authenticity, and compliance with established standards.
• Perform detailed Client Due Diligence (CDD) reviews, aligning account data with all applicable internal controls and regulatory requirements.
• Evaluate the quality and legitimacy of clients' Source of Wealth documentation to meet onboarding criteria.
• Conduct comprehensive screenings including adverse media checks, sanctions lists, and tax red flag identification to detect potential risks.
• Maintain meticulous records of all communications and documentation associated with client onboarding activities to ensure audit readiness.
• Ensure accurate and timely data entry into the SME banking systems, supporting operational transparency and reporting accuracy.
• Provide expert advice and guidance to frontline Relationship Managers regarding SME CDD policies, procedural updates, and relevant local regulatory frameworks.
• Identify and escalate higher-risk client relationships or reputational concerns promptly to SME Compliance and other relevant departments.
• Collaborate closely with functional experts including Legal, Compliance, and Tax teams to resolve complex client onboarding issues and maintain compliance.
• Contribute actively to the development and refinement of internal processes and controls to optimize the efficiency and effectiveness of daily operations.
• Adhere strictly to defined Turn Around Times (TATs) and Service Level Agreements (SLAs), ensuring timely delivery of all onboarding tasks.
• Champion continuous improvement by proactively identifying procedural challenges and proposing viable solutions to enhance service delivery and operational standards.

Skills and Experience

• Bachelor's degree or higher, with substantial experience in corporate or commercial banking environments, demonstrating comprehensive industry knowledge.
• Minimum of 3 years' experience specializing in SME banking, specifically within Know Your Customer (KYC) and Anti-Money Laundering (AML) roles.
• Strong understanding of regulatory frameworks governing SME Banking, including CDD and AML compliance obligations.
• Exceptional communication skills, both verbal and written, with the ability to present complex information clearly and effectively to diverse stakeholders.
• Demonstrated ability to work collaboratively as part of a team, exhibiting a service-oriented mindset and interpersonal skills that foster positive working relationships.
• High level of integrity, professionalism, and meticulous attention to detail within all aspects of work.

Qualifications

Preferred professional qualifications include certifications such as ACAMS (Association of Certified Anti-Money Laundering Specialists) or ICA (International Compliance Association), which will enhance your suitability for this role by evidencing specialized knowledge in compliance and financial crime prevention.

Skills and Experience

In this role, you will need to effectively manage conduct to uphold ethical standards, administer risk controls to mitigate potential exposures, and coordinate with stakeholders to maintain alignment across all functions. Your ability to balance these competencies will contribute significantly to the success of SME Banking operations.