Job Title: Associate – KYC Subject Matter Expert

Department: ISPL CEFS KYC Operations

About Business line/Function: 

The KYC Due Diligence team in ISPL is responsible for the Preparation of files due for periodic reviews (Recertification) for existing customers and (Onboarding) for new clients of BNP Paribas across multiple countries across APAC, EMEA and America. It is extended team working with onshore counterpart to support completion of KYC on all existing and new clients of BNP Paribas.

Position Purpose: 

 The KYC Due Diligence team in ISPL is responsible for the Preparation of files due for periodic reviews (Recertification) for existing customers and (Onboarding) for new clients of BNP Paribas across multiple countries across APAC, EMEA and America. It is extended team working with onshore counterpart to support completion of KYC on all existing and new clients of BNP Paribas.

Responsibilities

Direct Responsibilities

The KYC SME serves as the technical anchor for the KYC function. The primary objective is to bridge the gap between high-level Policy/Compliance requirements and daily Operational execution. The SME ensures the bank’s KYC standards are applied consistently across all client segments.

1. Technical Competencies

Deep understanding of Global AML/KYC standards and local regulatory frameworks. Ability to interpret policy documents and translate them into actionable operational steps.

Proficiency in decoding intricate ownership structures, including Trusts, Funds, SPVs & Expert-level knowledge of Enhanced Due Diligence (EDD) triggers and the application of risk-rating methodologies

Super-User proficiency in KYC Onboarding and Recertifications tools, ability to navigate system workflows, provide input for User Acceptance Testing (UAT) for new feature releases.

2. Operational Management Competencies

Ability to manage a technical query queue, providing timely and accurate resolutions to the operations team while documenting "Frequently Asked Questions" (FAQs) to prevent repeat queries.

Perform end‑to‑end KYC analysis for 5 files each month, covering a mix of business lines & all risk rating — including 2S, Cross‑Pole, CIB (corporates, banks fund/ME), and GM.

Review & maintaining Standard Operating Procedures (SOPs) and "Quick Reference Guides" that simplify complex workflows for the operations team.

Collaborate with KYC Operations, Quality Assurance & Training teams to drive continuous process improvement, knowledge management and build expertise within the operations team.

Ability to analyze operational bottlenecks and suggest tool or procedural enhancements to reduce “Time-to-Onboard" & “Re-certification” without increasing risk.

3. Behavioral Competencies

Analytical Thinking: A meticulous approach to problem-solving; the ability to address complex issues with innovative methods.

Communication & Simplification: Ability to clearly communicate policy/procedure in simple/layman language for better comprehension & application

Influencing & Collaboration: Ability to work cross-functionally with Compliance, IT, and Operations, often persuading different stakeholders to align on a specific interpretation of a rule.

Adaptability & Learning Agility: A proactive drive to stay ahead of the curve regarding new regulations, emerging trends in AML sphere, and evolving technology.

Patience & Mentorship: A supportive approach to coaching others, fostering an environment where operational analysts feel comfortable seeking resolutions and admitting gaps in knowledge.

• Adaptable flexible approach to the working environment
• Ability to work on multiple IT systems
• IT literate and familiar with Microsoft Office (Excel to macro level), PowerPoint

Technical & Behavioral Competencies

1.1 Good communication skills is a pre-requisite
1.2 Accuracy and rigor
1.3 Team player
1.4 Fluent in English; Knowledge of French or a foreign language would be a plus
1.5 Adaptable flexible approach to the working environment
1.6 Ability to work on multiple IT systems
1.7 IT literate and familiar with Microsoft Office (Excel to macro level), PowerPoint

Specific Qualifications:

• Minimum 3-5 years of experience along with Bachelor's Degree - in management, finance, science, economics, related field or equivalent experience.

• Proven experience in AML/KYC operations, specifically focusing on Quality Assurance or Quality Control within a banking or financial services environment.

Strong understanding of regulatory landscapes and international standards (e.g., FATF recommendations).

High attention to detail with the ability to analyze complex corporate structures (Trusts, Funds, SPVs) and identify "red flags."

Skills Referential (Required knowledge, skills and abilities)

Technical Skills:

• Analytical Ability
• Ability to develop and adapt a process  
• Ability to anticipate business / strategic evolution 

Behavioral Skills: 

• Communication
• Analytical Ability
• Team Player

Education Level: Bachelor Degree or equivalent

Location: Bangalore/Mumbai

About BNP Paribas Group:

BNP Paribas is the European Union’s leading bank and key player in international banking. It operates in 65 countries and has nearly 185,000 employees, including more than 145,000 in Europe. The Group has key positions in its three main fields of activity: Commercial, Personal Banking & Services for the Group’s commercial & personal banking and several specialized businesses including BNP Paribas Personal Finance and Arval; Investment & Protection Services for savings, investment, and protection solutions; and Corporate & Institutional Banking, focused on corporate and institutional clients. Based on its strong diversified and integrated model, the Group helps all its clients (individuals, community associations, entrepreneurs, SMEs, corporates and institutional clients) to realize their projects through solutions spanning financing, investment, savings and protection insurance. In Europe, BNP Paribas has four domestic markets: Belgium, France, Italy, and Luxembourg. The Group is rolling out its integrated commercial & personal banking model across several Mediterranean countries, Turkey, and Eastern Europe. As a key player in international banking, the Group has leading platforms and business lines in Europe, a strong presence in the Americas as well as a solid and fast-growing business in Asia-Pacific. BNP Paribas has implemented a Corporate Social Responsibility approach in all its activities, enabling it to contribute to the construction of a sustainable future, while ensuring the Group's performance and stability.

About BNP Paribas India Solutions:

Established in 2005, BNP Paribas India Solutions is a wholly owned subsidiary of BNP Paribas SA, European Union’s leading bank with an international reach. With delivery centers located in Bengaluru, Chennai and Mumbai, we are a 24x7 global delivery center. India Solutions services three business lines: Corporate and Institutional Banking, Investment Solutions and Retail Banking for BNP Paribas across the Group. Driving innovation and growth, we are harnessing the potential of over 10000 employees, to provide support and develop best-in-class solutions.

Commitment to Diversity and Inclusion

At BNP Paribas, we passionately embrace diversity and are committed to fostering an inclusive workplace where all employees are valued, respected and can bring their authentic selves to work. We prohibit Discrimination and Harassment of any kind and our policies promote equal employment opportunity for all employees and applicants, irrespective of, but not limited to their gender, gender identity, sex, sexual orientation, ethnicity, race, colour, national origin, age, religion, social status, mental or physical disabilities, veteran status etc. As a global Bank, we truly believe that inclusion and diversity of our teams is key to our success in serving our clients and the communities we operate in. As a global Bank, we truly believe that inclusion and diversity of our teams is key to our success in serving our clients and the communities we operate in.