KYC/Due Diligence Officer

About the role

The KYC/Due Diligence Officer will ensure that all customer onboarding and periodic reviews meet regulatory standards, internal policies, and international AML/CFT/CPF requirements. Working as the first line of defence against financial crime, the officer validates identities, verifies documentation, and balances regulatory compliance with business enablement.

Key responsibilities

• Perform KYC checks for new and existing customers in line with regulatory and internal guidelines.
• Conduct due‑diligence reviews using internal systems, public databases, and third‑party screening tools such as PEP, sanctions and adverse‑media checks.
• Assess customer risk based on ownership structure, transaction behaviour, and geographic exposure.
• Escalate high‑risk or complex cases for Enhanced Due Diligence (EDD) according to AML/CFT policy.
• Maintain accurate, up‑to‑date customer records for audits and regulatory inspections.
• Collaborate with Onboarding, Compliance and Business Relationship teams to close KYC gaps.
• Track deferrals and ensure timely collection of outstanding documents.
• Contribute to policy reviews, process improvements and system upgrades to strengthen KYC operations.

Required profile

• Bachelor’s degree in Finance, Business Administration, Law or a related field.
• 2–3 years of experience in KYC, AML or related compliance functions.
• Professional certification in AML/KYC (e.g., DCP, CAMS, ICA) is highly desirable.
• Strong knowledge of CBN guidelines, NFIU/EFCC directives and FATF standards.

Required skills

• PEP screening
• Sanctions screening
• Adverse‑media screening
• Analytical assessment of complex ownership structures