Contractual - Complianmce (MIU-KYC-SSU)

About Afghanistan International Bank

From its inception in 2004, AIB’s mission has been to foster economic development in the country, be a catalyst for growth, and ultimately contribute to the prosperity of Afghanistan and its people. Afghanistan International Bank is the country’s leading bank, and one of the most trusted and respected institutions in Afghanistan. Our success has been enabled by our unwavering focus on international best practices in corporate governance, financial, and risk management - including anti-money laundering and ‘know your customer’ procedures. This is overlaid by industry-leading customer service, operations, information technology, and internal controls. Despite the challenging backdrop over the last decade, we have successfully become a positive emblem for achievement, governance, and transformation. Now in our second decade of operation, we remain committed to enabling a better future for Afghanistan and we are proud to play a role in shaping the opportunities that lie ahead. AIB believes in developing its people through continuous investment in training and giving larger opportunities to those who grow with the bank. With professional management team, ensuring high standards of corporate governance and a professional work environment where every manager is committed to train and develop his people is what makes AIB an employer of choice.

Job Summary

This position is held to disposition alerts of the transaction monitoring software in AML module as well as investigate the manual cases, suspicious activities and transactions in line with AML/CFT law, regulation, bank FCC policy and compliance (MIU) SOP. 

KYC Unit, is responsible for accurately reviewing / processing / approving and/or rejecting customers related documents such as: All types account opening forms + required documents, all kind of official letters, /removing signatories etc…) reaching the unit through the centralized banking database DMS System Interface”,

In addition to above, the unit is directly responsible for reviewing / processing / approving and/or rejecting the said documents no limited to above during account opening and/or KYC Update process from prospects of AML/CFT & Sanctions controls according to the Bank AML policy, Branches and Compliance Departments Standard Operating Procedures.

This position is held to supervise and monitor Sanction Screening Payments and Reporting suspicious activities and transactions in line with AML&CFT Laws, Regulation bank FCC Policy and compliance SOP: 

Duties & Responsibilities

MIU-Compliance

1.     Reviewing and Investigation of TM alerts/cases

Investigating TM alerts and cases, both manual and FCCM timely with consideration of overall qualities as per MIU SOP mostly as level 1 and only on need basis as level 2

2.     Managing timelines

Completing any tasks including reviewing and investigation of alerts and cases within the given timeframe and the age mentioned in MIU SOP

3.     Quality

Ensue those alerts and cases are assessed, investigated and narrated accurately as per MIU SOP and the required and factual information are available in all narratives

4.     Cash deposits

Reviewing supporting documents of huge amounts of cash deposits referred by branches from AML/CFT perspectives in accordance with SOP timely with no delays mostly as L1 and on need basis as L2 and keep enough documentation

5.     Quality control reports

Reviewing QCU reports every quarter deeply and bringing improvements as required to ensure that deficiencies and errors are largely minimized

6.     Audit reports

Reviewing internal and external reports timely and bringing improvements as required to ensure that deficiencies and errors are largely minimized

7.     Results/output

Ensure satisfactory audit result from any internal and external auditors and as well as bringing the required reforms and improvements as per QCU and auditors’ observations

8.     Communication

Communicating properly with all levels staff and timely resolving the relevant issues

9.     Record keeping/Documentation

Keeping proper records of any supporting documents and emails belonging to alerts, cases, meetings and etc. and ensure to properly report the completed tasks such as, cash deposit, cases assigned newly, progress of cases and etc. to the relevant person

10.   Confidentiality & tipping off

Maintaining the overall confidentiality in terms of cases documents, customers’ records, emails exchanged and etc. and strictly avoid any direct/indirect tipping off

11.   Others

Any other relevant tasks assigned by the supervisor/s

KYC-Compliance

1- Document checking

 2- Responsible to accurately review / process / approve and/or reject the customer related documents reaching KYC Unit through the centralize banking database “DMS System interface”, from branches, such as: All types account opening forms + required documents, all kind of official letters, adding/removing signatories, identifying source of fund / source of wealth, proper customer identification etc. daily routine according to the bank policy / procedures.

    3- Make sure that every single customer document(s) along with the account opening form(s) is/are in Compliance with the Bank policies / procedures and if anything is not in line the document(s) should be revised by related branches before processing.

4- Responsible for accurately reviewing, processing, and either approving or rejecting customer-related documents received by the KYC unit for various activities including "KYC update," "Periodic review," and "Trigger review." Through the centralized banking database, DMS System interface, to access information from Business units across all account types such as Payroll, Private, and Corporate customers. The primary objective is to ensure that the risk rating level aligns with that of the "FCCM-KYC Module."

5-  Screening

6- Make sure that all Natural / Legal persons’ names including but not   limited to president / vice president / Directors / UBOs /connected parties / and Signatories of accounts are accurately screened against lists in FACTIVA Interface / Compliance link during customer on-boarding / KYC Update process/Triggered review process to avoid opening or maintaining accounts for persons / entities which are black listed or are under different types of sanctions.

7-  Communication (Verbal and in writing)

8- Make sure to properly communicate with branches and Static Data Department to solve the customer account’s issues / problems on priority basis according to the bank AML policy, Branches and Compliance Department SOPs.

9- Is responsible to respond to each call and reply related emails on time without delay in proper manner.

10- Record Keeping

 Make sure to properly keeping records of all necessary documents, both in hard and soft files incase it’s required for any purposes.

11- Reporting and MIS

12- Make sure all the reports related to KYC unit including but not limited to dashboard and board data are provided/maintained correctly.

13- Passport check

14- Make sure to properly review the accuracy of the passports check performed by SSU

15- Cautions and responsibilities

16- Ensure to have close eyes / monitoring on all cases of AML / CFT & Sanctions within the Compliance Department / KYC Unit.

17- Make sure to support Assistant Manager - KYC in developing and/or implementing of process for Anti-Money Laundering, Terrorist Financing rules, Laws, Regulations & Sanctions in KYC Unit.

18- Ensure to detect any types of fraud cases by and through the KYC team and report to Head of Compliance / MIU Team for further necessary actions according to the bank policy and procedures.

19- Be vigilant to identify and urgently report any Suspicious Activities/ Documents Transactions of customers to supervisor and or Monitoring & Investigation Unit for their further review.

20- Ensure, Customer Risk Rating is properly and accurately performed.

21- Ensure, PEP list is properly maintained in Excel MIS

23- Ensure to properly and accurately apply standards for CDD / EDD measures, obtain PEP approval from Senior Manager or Delegate and have maintain proper approvals for by defaults high risk customers from bank management before customer on-boarding / KYC update process.

24-Make sure to control all documents in file system (DMS) database on daily basis for accuracy and on time processing of requests.

25-  FCCM

26- Make sure all the cases related to default review and periodic review are timely reviewed as Level One user and escalate it to Level Two user for further action

27- Make sure all the case related to default review and periodic review are timely reviewed and closed.

28- Make sure the pending cases related to technical issues are raised to the IT department and CCO is informed accordingly.

29- Others

30- Any additional task which assigned by supervisor.

SSU-Compliance

1.    Batch Screening L1

-Receiving alerts in Compliance link

-Reviewing alerts generated by the automated Sanction Screening software (Firco Compliance Link)

-Making decision whether the alerts are false positive, true match or need to L2 opinion.

-Putting a proper comment in Clink with their final recommendation (False Positive, True Match).

-Proper record Keeping

2.     Follow Up the Alerts

-Receiving alerts from L2 through automatic screening software Firco Compliance Link

-Reviewing the alert’s comment with the required documents needed by L2

-Collecting/instructing the related branches/units for the requested documents or information.

-Putting the documents with proper comment in automatic screening software Clink

-Proper record Keeping

3.     Performance of audit period

-Have performance in external and internal audit period

-have a team work in the performance

-Avoiding from errors and mistakes

-Collecting/providing documents as per request of audit

-Try to have the best result and performance

4.     Preparation of MIS

-Making Daily report

-Documents saving

5.     Others

-Any other tasks assigned by Supervisor

-Each and every tasks should be performed as per compliance procedures, SOP, Sanction Policy and practices.

Job Requirements

   MIU-Compliance

EDUCATIONAL QUALIFICATIONS       

• Bachelor Degree in Economics / Business Administration / LLB
•  Familiarized with general polices and AML/CFT law and regulation

RELEVANT EXPERIENCE

• At least 1 year of experience in General Banking and Compliance Department

SKILLS & COMPETENCIES:

•  Having proper knowledge of office package and FCCM
•  Properly communicating in Dari, Pashto and English Languages
• Ability to work in tough and under pressure environment
•  Excellent communication skills

     KYC-Compliance

EDUCATIONAL QUALIFICATIONS     

• Bachelor degree in Law / Economics
• Familiarized with Bank software, General Polices, Banking Laws
• Holder of banking certificates. (Preferred)
• AML/CFT certified. (Preferred)

RELEVANT EXPERIENCE

• At least 2 years of experience bank compliance or 2 year experience in Branch Banking.

SKILLS & COMPETENCIES:

• Having proper knowledge of Office Packages.
• Ability to work under pressure.
• To properly communicate in DARI, PUSHTO and English Languages.
• Team worker and good behavior.

SSU-Compliance

EDUCATIONAL QUALIFICATIONS:            

• Bachelor or higher degree on Law studies or BBA

RELEVANT EXPERIENCE    

• At least 1 years in Banking or Compliance.

SKILLS & COMPETENCIES: 

• Computer Knowledge                                              
• Communication & Team working                                               
• Sanction Screening – software’s 

Submission Guideline

AIB is committed to a diverse workforce and encourage all eligible local applicants, irrespective of gender, disability, culture, religious and ethnic backgrounds to apply.

Interested individuals can apply using the below link:.

https://aib.zohorecruit.com/recruit/ViewJob.na?digest=t5jvgUndbTT0kJQ8z0hxAvKTc69QjYVJU@6serHUGOM-&embedsource=CareerSite

Short-listed candidates whose applications respond to the above criteria will be contacted for written test and interview. If you did not receive a response within two-four weeks after closing date, it means you are not shortlisted 

We are highly encouraging qualified and eligible disable candidates to apply.

Functional Area

Banking

Countries

Afghanistan

Provinces

Kabul

Apply Now