Citi IPB US KYC Maker 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: 17058180


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.

Group Description :

Unit is responsible for supporting the Anti-Money Laundering/Know Your Client (AML/KYC) functions within the IPB U.S. business in accordance with global and internal guidelines

Job Description:

The KYC Maker position is responsible to provide end-to-end support to Relationship Managers (RMs) to meet AML/KYC requirements for New Client’s Due Diligence (Customer Profiling at Onboarding) and required client updates at the time of Periodic Reviews.

This position must properly respond to requests for Customer’s Risk Profile updates in a timely manner and according to current AML/KYC/CIP policies and processes. This position will under no circumstances assist clients directly.

Primary Activities:

Manage interaction with Relationship Manager (RM) and other staff members, as needed, in support of AML/KYC activities required during onboarding of clients and during the performance of AML Periodic Reviews

At onboarding: Based on information provided by the RM:

  • Responsible to create a complete KYC file/record in the OneSource KYC/AML system per business AML guidelines and procedures. This includes, but is not limited to, client demographic information, client customer source of wealth information, source of funds, anticipated account activity and necessary KYC documentation

  • If the KYC file/record is rejected by checkers/approvers, the KYC Maker will make the necessary modifications to the KYC record and ask the Relationship Manager to review the changes. When the Relationship Manager agrees with the changes in OneSource, the KYC record is re-submitted by the Relationship Manager for approval.

During Periodic Reviews: Based on information provided by the RM:

  • Responsible for making all necessary updates to the KYC file/record in preparation for the Periodic Review

  • Responsible to ensure the updated client information complies with all requirements per business AML guidelines and procedures for a complete KYC record

  • Address any validation errors surrounding the Periodic Review (including but not limited to: TTM (Transaction) Breaks, AAMs (Anticipated Account Monitoring), EDD (Enhanced Due Diligence), CSS (Client Screening), Citi Country Officer No Objections and addressing any other validation issues) and notify the RM once the Periodic Review is ready to be submitted for approval.


  • Ensure all requirements are properly responded to in a timely manner until the client KYC file/records is completely approved.

  • Ensure that the business complies with service, quality and control standards

  • Act as liaison between Sales and Compliance providing rational and accurate Due Diligence processing

  • Escalate to the Business Unit Compliance Officer any discrepancies found in Due Diligence information provided by the RM to address full completion of KYC file/record

  • Review rejections made by checkers and respond with information required within the expected timeframes

  • Conduct client-impacting work and respond to urgent requests, queries and escalations in a timely manner

  • Execute responsibilities with primary emphasis on AML risk mitigation

  • Interpret client information in order to identify instances requiring escalation or needing further investigation/due diligence

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


  • Bachelor’s Degree or equivalent experience

  • 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

  • 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

  • Proven success in a client-focused environment

  • 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