CLIENT ONBOARDING ANALYST JOB DESCRIPTION

AML regulations like the US PATRIOT Act, BSA, and FinCEN's CDD Rule demand more than paperwork; they require a trained analyst who can evaluate client risk before a relationship begins. When that scrutiny is absent, institutions face regulatory censure, reputational damage, and exposure to sanctioned entities. The Client Onboarding Analyst owns this gatekeeping function, conducting KYC due diligence, PEP screening, and Customer Due Diligence across new and existing accounts within corporate banking, investment management, and institutional client environments. Few roles demand the same combination of regulatory precision and stakeholder diplomacy.

As the Client Onboarding Analyst, you will execute KYC and AML due diligence programs that protect the firm's regulatory standing while enabling compliant client relationships to be established on schedule. You will report into a compliance or operations function and work daily across front office, legal, and external client contacts to gather documentation, resolve risk flags, and advance onboarding workflows.

Career Impact: Hands-on ownership of KYC, CDD, and EDD workflows across corporate, institutional, and high-net-worth client segments positions you as a specialist in the compliance functions most closely scrutinized by regulators.

Business Impact: The due diligence decisions you make directly determine which client relationships proceed, protecting the firm from sanctions exposure, regulatory fines, and reputational harm tied to AML failures.

Growth Opportunity: Deep regulatory knowledge in BSA/AML and cross-border KYC standards opens advancement into senior compliance analyst, financial crime advisory, or onboarding program management roles as regulatory complexity continues to expand.

• Conduct KYC and Customer Due Diligence reviews for new and existing clients, including Enhanced Due Diligence for high-risk accounts and PEPs.
• Screen clients and all related legal and natural persons against international sanctions, adverse news, and PEP databases.
• Collect, validate, and analyze client documentation in line with AML policy requirements and applicable regulatory frameworks.
• Liaise with front office, compliance, legal, and tax teams to resolve outstanding documentation gaps and escalate relationship concerns.
• Coordinate periodic review workflows across corporate, institutional, and high-net-worth client accounts within committed turnaround timelines.
• Maintain accurate client records and tracking systems to ensure audit-ready documentation and regulatory reporting readiness.
• Identify changes to AML and KYC regulatory requirements and flag process updates needed to maintain policy compliance.
• Support special projects and process improvement initiatives within the onboarding and client maintenance function.

• Bachelor's degree in Finance, Banking, Business, or a related field, or equivalent work experience.
• 3 or more years of KYC and client onboarding experience, with exposure to AML regulatory frameworks in a financial institution.
• Working knowledge of BSA/AML requirements, including CIP, CDD, and EDD distinctions, and applicable regulations such as the US PATRIOT Act and FinCEN CDD Rule.
• Demonstrated ability to analyze complex client structures, including hedge funds, private corporations, trusts, and institutional entities, and apply appropriate due diligence standards.
• Strong written and verbal communication skills, with the ability to engage professionally with senior client contacts and internal stakeholders.
• Excellent attention to detail and organizational skills, with a track record of managing multiple concurrent cases within regulatory timeframes.
• Sound judgment and the ability to escalate risk issues appropriately in a regulated, high-pressure environment.

• Experience conducting Enhanced Due Diligence on Politically Exposed Persons or high-risk corporate clients in an investment banking or cross-border fund environment.
• Familiarity with FATCA, FINRA rules, or FCA conduct frameworks gained through a similar compliance or onboarding function.
• Exposure to screening and due diligence data platforms used to assess entity risk and adverse media at the point of onboarding.
• Experience participating in regulatory remediation projects, periodic review programs, or AML policy refresh initiatives.

• KYC case turnaround time, measured against committed onboarding and periodic review SLAs.
• Documentation completeness rate at first submission, reflecting the thoroughness of client outreach and pre-screening.
• Escalation accuracy rate, tracking the proportion of flagged cases that proceed correctly through EDD or rejection workflows.
• Periodic review completion rate within regulatory timeframes, across the managed client portfolio.
• Screening hit resolution time, measuring how quickly PEP, sanctions, or adverse news matches are assessed and closed.
• Typical tools: Due diligence and screening platforms (commonly Dow Jones, LexisNexis, or WorldCheck); case tracking and office productivity suites (commonly Excel, SharePoint).

• Base Salary Range: $55,000-$80,000 annually, depending on experience and institution size.
• Bonus: Discretionary annual bonus, typically 5-10% of base salary.
• Equity: Not standard at this level; may be offered at larger asset managers.
• Health Benefits: Medical, dental, and vision coverage; employer contribution standard.
• PTO: 15-20 days annually, plus federal holidays.
• Common Perks: Professional development support, compliance certification reimbursement, hybrid work eligibility.

Figures are estimates based on general US market benchmarks and may be outdated. Adjust based on location, company size, and seniority level.

Background check completion, including verification of financial history where applicable, is a condition of employment. All qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other characteristic protected under applicable federal, state, or local law. Reasonable accommodations are available throughout the hiring process for individuals with disabilities; requests should be directed to the recruiting team. Candidates must be legally authorized to work in the United States.

The Client Onboarding Analyst owns the end-to-end onboarding experience for corporate clients, adhering to AML/KYC guidelines to ensure the firm contracts correctly with applying entities across the Australia and New Zealand market. Collaborating with Sales Managers and internal partners, the Client Onboarding Analyst delivers assurance that policy and procedural requirements are met while providing feedback that enables partners to fulfill their obligations.

Key Responsibilities

• Responsible for the onboarding experience of corporate clients in the Australia and New Zealand market.
• Engage high-level customers while they are starting their relationship with the firm to collect and verify information and documents.
• Safeguard AML policy adherence and secure the firm from high-risk business through KYC standard methodologies.
• Work closely with Sales Managers to ensure the best customer service experience is provided to our customers.
• Engage with low-tenure customers to provide information and drive value to customers.

Required Qualifications

• Experience in the financial industry.
• Experience in Customer Service, with a B2B environment being an advantage.
• Experience in fraud prevention, fraud detection, risk, underwriting, or compliance environment is an advantage.
• Industry experience with Anti-Money Laundering (AML) Regulations and Know Your Customer (KYC) requirements.
• MS Excel experience is an advantage.
• Strong attention to detail with a high level of accuracy and critical assessment.
• Proven competency in driving results in collaboration with internal and external partners.
• Excellent written and verbal communication skills, comfortable engaging with high-level officers of corporations.
• Creative problem-solving and critical thinking skills with the ability to make sound judgment for informed decision-making.

Embedded within a global compliance and onboarding team, the Client Onboarding Analyst ensures due diligence is performed on existing clients to comply with AML/KYC regulations, including developing expertise in Anti-Money Laundering and Customer Identification policies. Working closely with clients and internal business teams, the Client Onboarding Analyst upholds the highest professional communication standards and delivers against committed timelines to maintain client service excellence.

Core Functions

• Ensure due diligence is performed on existing clients to comply with AML/KYC regulations.
• Develop expertise in the Firm's Anti-Money Laundering and Customer Identification due diligence policies and processes.
• Engage clients and internal business teams to obtain relevant AML information and documentation.
• Ensure all communications are of the highest professional standard to maintain client service excellence.
• Timely and effective escalation of potential relationship issues and devising possible resolutions.
• Take responsibility for delivering against committed timelines.
• Participate in regular meetings with the program team to maintain clarity around workflow, understand changes to AML/KYC regulations, and develop required reporting metrics.

Education & Experience

• Bachelor's degree in Banking/Finance.
• Experience with AML requirements either via a client onboarding role or similar role, including an understanding of client structures and AML requirements for hedge funds, private corporations, and financial institutions.
• Experience working in the financial industry.
• Proficiency in Microsoft Office, including Outlook, Word, Excel, and PowerPoint.
• Strong analytical and problem-solving skills.
• Excellent written and verbal communication skills to professionally and persuasively engage external clients and internal stakeholders.
• Excellent organizational skills and strong attention to detail given the regulatory nature of the role.
• Ability to work well in a global team environment and in a dynamic environment with changing requirements.

Reporting to senior compliance leadership, the Client Onboarding Analyst delivers professional support services to the corporate banking business, including analysing transaction structures to identify CDD requirements and screening legal and natural persons against international databases. Partnering with CDD Leads, Local Compliance Officers, and business partners, the Client Onboarding Analyst ensures that client due diligence documentation is collected, analysed, and resolved accurately to support regulatory remediation.

Primary Duties

• Be responsible for the professional delivery of a variety of support services to the corporate banking business.
• Support the front office to complete the periodic reviews and other regulatory remediation requirements.
• Analyse the transaction structures and nature of business to identify CDD requirements for a particular transaction.
• Collect and analyse all CDD-relevant documentation delivered by the relevant clients and business partners.
• Liaise with CDD Lead, Head of TLS-FCO and, if required, Local Compliance Officers to resolve questions.
• Perform ad hoc structural changes on corporate and trust accounts.
• Screen all relevant legal and natural persons against relevant international databases such as WorldCheckOne.
• Participate in projects and initiatives.

Qualifications & Experience

• Minimum of 2 to 3 years of experience in a financial institution in a similar role with KYC and client onboarding experience.
• Prior experience in a corporate bank.
• Excellent track record in terms of turnaround and ability to identify key AML/KYC issues.
• Familiar with local AML regulations regarding the review of client due diligence information on high-net-worth corporates and institutional clients.
• Strong Excel, macros, and report presentation skills, with the ability to review account documentation.
• Ability to work in a corporate banking environment.

Sitting at the intersection of regulatory compliance and client relationship management, the Client Onboarding Analyst ensures the creation of accurate KYC profiles by reference to a new customer risk assessment framework and screens customers and related parties against relevant tools to identify PEP, adverse news, or sanctions matches. Operating across front office teams, the Client Onboarding Analyst prepares KYC documentation for approval and supports account opening and static data management to enable compliant client onboarding.

Duties

• Ensure creation of accurate KYC profiles by reference to a new customer risk assessment framework and that all relevant processes are followed.
• Liaise with other Client Onboarding analysts, front office staff and customers in order to obtain outstanding documentation and information.
• Screen customers and all related parties against relevant screening tools with a view to identifying PEP, adverse news, or sanction matches.
• Undertake a review of historic trading and account activity as part of a transaction monitoring look-back exercise to determine changes to client profile.
• Review and prepare all KYC documentation ready for approval, including the preparation of KYC, PEP, adverse reports and sanctions for further review.
• Perform account opening, managing static data, and drafting research service agreements.

Skills & Qualifications

• Degree or equivalent required.
• Understanding of the regulatory environment, and values and abilities consistent with the FCA conduct rules, including a good understanding of AML rules and regulations, including JMSLG.
• Demonstrable experience of KYC work, ideally in an investment banking environment, including exposure to medium- and high-risk customers and PEPs.
• Ability to identify complex structures and apply relevant KYC/AML.
• Competent in Microsoft Excel and Word.
• Effective written and oral communication skills.

A key member of the compliance and onboarding team, the Client Onboarding Analyst delivers due diligence reviews on clients of varying risk levels using external vendors and public resources, while maintaining customer reference databases and performing rolling AML/KYC reviews. Collaborating across legal, credit, compliance, and sales teams, the Client Onboarding Analyst supports onboarding system integrity through user acceptance testing and strengthens firm-wide regulatory adherence.

Functions

• Reach out to clients to obtain necessary documentation and information to satisfy internal onboarding requirements.
• Use external vendors and public resources to conduct due diligence reviews on clients of varying risk levels.
• Maintain customer reference databases.
• Perform rolling reviews of existing clients' AML/KYC information.
• Develop strong working relationships with various teams across the firm, including legal, credit, compliance, and sales.
• Perform user acceptance testing for onboarding systems.

Requirements

• Bachelor's degree required.
• Approximately 3 to 5 years of relevant experience.
• Experience working with AML policies.
• Strong analytical skills and a strong level of comfort with data analysis.
• Strong written and verbal communication skills.
• Strong organizational, planning, and project management skills.
• Self-starter with sound judgment, professionalism, and discretion.

Accurate client onboarding and ongoing regulatory compliance depend on the Client Onboarding Analyst, who manages the Client Onboarding and Periodic Review process by performing CIP and KYC due diligence, PEP identification, negative news screening, and sanctions reviews. Based within a cross-functional environment, the Client Onboarding Analyst interacts with internal and external stakeholders including Compliance, Tax, and Legal teams to ensure all regulatory and firm requirements are met for both new and existing customers.

Accountabilities

• Validate legal documentation obtained from Stakeholders and third-party sources for accuracy and to ensure the documentation is compliant with policy.
• Leverage accumulated wisdom to make determinations regarding document applicability in the risk control process, where documents are atypical or uncommon.
• Initiate workflows to update customer records within the bank's internal system.
• Coordinate approvals related to periodic reviews and new onboardings across multiple groups within the organization.
• Maintain detailed tracking of workload to ensure completion within required timeframes.
• Promptly respond to stakeholder inquiries and assist with problem resolution, prioritizing urgent and sensitive requests accordingly.
• Work closely with Compliance, Tax, Legal, and other teams to render policies and procedures more transparent and commercial, while preserving risk control strength.
• Perform Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD), including customer negative news screening.
• Perform special projects as required and any other duties as assigned.

Technical Qualifications

• Solid knowledge of the US PATRIOT Act and BSA/AML requirements, including CIP requirements and the difference between CDD and EDD.
• Strong understanding of the FinCEN CDD Rule, FINRA Rules, and FATCA.
• High competency in using external due diligence and screening tools such as Dow Jones, Factiva, OneSource, and LexisNexis.
• Experience with due diligence operations and onboarding applications and systems.
• Ability to handle any potential touchpoint related to the onboarding and client maintenance workflow and execute in a high-pressure environment.
• Good analytical skills, detail-oriented, with good interpersonal skills.

As the Client Onboarding Analyst, this role coordinates with Directors and Managers to facilitate client meetings, capture transition and implementation requirements, and maintain project plans with statistical aggregation for schedule adherence and milestone tracking. The implementation team relies on this work to verify client contracts, validate inventory data, and ensure quality across all tasks outlined in each project plan, enabling successful and efficient client onboarding outcomes.

Day-to-Day Responsibilities

• Coordinate with Directors and Managers in facilitating meetings with clients and internal business experts to capture transition and implementation requirements.
• Create and maintain the project plan for each implementation, including statistical aggregation for schedule adherence and milestone tracking.
• Verify client contracts to ensure proper fees and services are set up in CASE and the AS400.
• Capture new client inventory data and identify the level structure, FM category, and start dates for the loading of units.
• Transmit the inventory to the Data Processor and validate the results before requesting driver kits.
• Add and update client setup data to the implementation tracking report and scrutinize project plans for potential improvements in processes or efficiency.
• Quality check all tasks outlined in the project plan for each implementation and keep apprised of industry-related news as well as internal changes with clients.
• Maintain utilization and proficiency in LeasePlan systems including CASE, ePlan, AS400, Service Cloud and LPRMS Client Card.

Knowledge Skills & Abilities

• Proven business analysis skills and experience.
• Detail-oriented with strong problem-solving and decision-making skills.
• Ability to simultaneously and effectively coordinate multiple efforts, various cross-functional teams, and individuals.
• Strong facilitation and communication skills with the ability to influence at various organizational levels.
• Ability to take initiative to meet challenges with resourcefulness while maintaining a high level of quality.

Client Onboarding Analyst delivers periodic and ad hoc reports and develops dashboards to support global and LATAM-specific client onboarding activities, with a focus on identifying automation opportunities and ensuring client records comply with applicable rules. The work directly supports data-driven decision-making across a global team environment, with the Client Onboarding Analyst reporting to managers and collaborating with internal partners to anticipate data requirements and drive process improvements.

Role Responsibilities

• Prepare periodic and ad hoc reports to support Global Client Onboarding activities and participate in special projects as requested.
• Participate in the design and development of dashboards that lead to data-driven decisions.
• Identify opportunities to automate current processes and controls.
• Work with internal partners and report to managers in a global team environment.
• Maintain in-depth knowledge of procedures and systems to ensure client records are compliant with all applicable rules, with a focus on process improvements.
• Precisely share information with the right audience and anticipate data requirements based on income needs.
• Respond to ad hoc requests from Management.

Experience & Qualifications

• University degree in Engineering, Computer Science, Actuarial Science, or equivalent.
• Strong data visualization skills and knowledge of MS Excel, with any programming language such as R, Python, or SQL being a plus, as well as experience with automation tools such as Alteryx and visual analytics platforms such as Tableau or Power BI.
• Excellent verbal, written, and interpersonal communication skills, with the ability to precisely share information with the right audience.
• Highly organized, proactive, and motivated with strong prioritization, innovation and problem-solving skills, and a control mindset.
• Flexible, adaptable and eager to learn, with the ability to work independently with self-prioritization and attention to deadlines, and the ability to engineer and enhance operational processes.
• Sense of urgency and ability to work well under pressure and tight deadlines, handling multiple tasks and changing priorities in a rapidly changing environment.
• Fluent in English (mandatory), with other languages being a plus.

The Client Onboarding Analyst owns the configuration and implementation support for clients on warehouse management platforms, acting as a liaison between external clients and the Supply Chain Product team to identify system gaps and requirements. Collaborating with Client Onboarding Project Managers and the Client Relations team, the Client Onboarding Analyst documents warehouse processes, delivers SOPs, and trains users to enable accurate and efficient client conversions and new implementations.

Project Responsibilities

• Act as business process analyst and liaison between external clients and the Supply Chain Product team, identifying system gaps and requirements needed by new clients.
• Provide configuration assistance in support of new client implementations and other events which require configuration updates on a diverse set of devices including RF scanners and Windows terminals.
• Assist Client Onboarding Project Managers with task identification and updates for client onboarding, conversions, and relocation of facilities.
• Analyse data utilized in legacy applications to align with new system requirements in support of client conversions to the ReSKU Returns platform.
• Document warehouse processes and provide SOPs in support of new client implementations or warehouse reconfiguration needs.
• Respond to client and system enhancement requests to implement changes to processing rules and assist the Client Relations team with implementation of client master data changes.
• Instruct users in the proper and efficient usage of systems and notify and train users when hardware or software changes occur.

Education & Experience

• Associate's degree in computer science or a related area required, with Bachelor's degree preferred.
• Experience with Inmar/Supply Chain ReSKU Returns scanning solution preferred.
• Working knowledge of Google Docs and Sheets and remote connectivity tools.
• Good problem resolution and follow-through skills, including ability to logically troubleshoot, document findings and solutions, and track multiple details to conclusion.
• Ability to interact with end-users pleasantly and productively, with familiarity in walking end-users through their problem to gather all necessary information.
• Professional written and verbal communication skills, including phone and call center experience.
• Strong organizational skills.
• Approximately 10% travel and occasional physical tasks, including lifting up to 25 pounds and working at close range.

Embedded within the fund distribution risk and compliance team, the Client Onboarding Analyst develops risk-centric programs that protect the firm, its funds, and clients by managing onboarding, change events, offboarding, and key provider metrics for fund distribution partners. Working closely with regulators, fund boards, and cross-functional teams across technology and operations, the Client Onboarding Analyst advances process re-design initiatives that expand program scale and enable data-driven decisions.

Strategic Responsibilities

• Partner with teams across the firm to help ensure that FDP risks are understood and are consistent with the firm's objectives and risk tolerances.
• Work closely with FDP partners to develop risk-centric programs that protect the firm, funds, and clients, actively addressing systemic risks and holding providers accountable for service excellence.
• Manage onboarding, change events, and offboarding to service fund distribution partners.
• Construct documents and presentations for regulators, fund boards, and the firm's risk constituents, communicating the program and associated findings.
• Lead and prioritize process re-design initiatives to deliver greater scale and expand programs across the technology and operations ecosystem.
• Develop key provider data and metrics that deliver significant insights and drive data-driven decisions.

Background & Experience

• Bachelor's degree required.
• Experience in the investment industry within a cross-border management company, outsourced fund service provider, investment consultant, or professional services firm.
• Knowledge of the wider distribution landscape for regulated investment products preferred.
• Experience in data analytics or consulting, with a proven track record of technical development and business insight.
• Strong commitment to service excellence with the analytical ability to synthesize information, summarize issues, and prioritize the most critical business matters.
• Highly effective oral and written communication skills, with intellectual passion and interpersonal skills to establish credibility with senior managers, and strong cross-team relationship-building skills adaptable to audiences of varying technical backgrounds.
• Self-starter who is results-driven, inventive, and dedicated, able to work with people of all levels in a fast-paced, high-intensity environment.
• Fluent English required; proficiency in French, German, or Italian is an advantage.