Overview

AML/CTF Officer Jobs in Abu Dhabi Emirate, United Arab Emirates at Confidential Careers

Title: AML/CTF Officer

Company: Confidential Careers

Location: Abu Dhabi Emirate, United Arab Emirates

AML/CTF Officer

Location: ADGM, Abu Dhabi

Function: Compliance / Financial Crime Compliance

Reports to: Deputy MLRO and Head of AML/CTF

ROLE PURPOSE

The AML/CTF Officer will support the Deputy MLRO and Head of AML/CTF in implementing the Bank's anti-money laundering, counter-terrorist financing, sanctions, and financial crime control framework.

The role holder will be responsible for the first-level review of transaction monitoring alerts, supporting customer onboarding and KYC/EDD reviews, preparing well-evidenced escalation packs, maintaining accurate records, and helping ensure that the Bank's AML/CTF controls operate effectively.

This is a hands-on operational AML role suited to a developing financial crime professional who can combine analytical judgement, diligence, regulatory awareness and effective stakeholder management.

KEY RESPONSIBILITIES

A. Transaction Monitoring Alert Review

  • Conduct first-level review of transaction monitoring alerts generated by the Bank's transaction monitoring system.
  • Analyse customer activity against customer profile, expected account activity, source of funds, customer risk rating and known business/personal background.
  • Identify red flags including unusual transaction patterns, rapid movement of funds, third-party payments, structuring, activity inconsistent with profile, high-risk jurisdiction exposure, and unexplained payment behaviour.
  • Request additional information from relevant internal teams where required to complete alert review.
  • Escalate potentially suspicious activity promptly to the Deputy MLRO/MLRO in accordance with internal procedures.
  • Support preparation of internal suspicious activity reports, investigation summaries and supporting documentation.
  • Maintain alert review records in accordance with internal standards and regulatory record-keeping requirements.
  • Undertake, under the direction of the Deputy MLRO, the half yearly review of the effectiveness of the Bank's Transaction Monitoring System.

B. Customer Onboarding and CDD Support

  • Support the Business and Onboarding teams with AML/KYC requirements for new customer applications.
  • Review customer identification information, KYC documents and onboarding data for completeness and consistency.
  • Support customer risk assessment, including customer type, geography, product usage, expected account activity, source of funds/source of wealth and PEP/sanctions/adverse media considerations.
  • Identify and escalate onboarding concerns, missing information, inconsistent customer explanations or enhanced due diligence triggers.
  • Assist with enhanced due diligence reviews for higher-risk customers, including PEPs, high-risk jurisdictions, complex ownership structures and unusual source of wealth/source of funds profiles.
  • Liaise with Relationship Managers/Business teams to obtain additional customer information where required.
  • Support periodic and event-driven customer reviews.
  • Undertake the half yearly review of the effectiveness of the Bank's E-KYC Onboarding System.

C. Screening, Sanctions, PEP and Adverse Media Support

  • Review sanctions, PEP and adverse media screening alerts relating to customers, beneficial owners, connected parties and transaction counterparties.
  • Distinguish likely false positives from potential true or unresolved matches.
  • Escalate potential sanctions, PEP or material adverse media issues promptly.
  • Support documentation of screening decisions and rationale.
  • Monitor and apply internal procedures relating to restricted/high-risk jurisdictions.

D. Suspicious Activity Escalation Support

  • Identify activity that may give rise to knowledge, suspicion or reasonable grounds for suspicion of money laundering, terrorist financing, proliferation financing or sanctions evasion.
  • Prepare internal escalation reports for Deputy MLRO/MLRO review.
  • Support the MLRO/Deputy MLRO with information gathering for potential SAR/STR decisions.
  • Maintain confidentiality and avoid tipping-off risks.
  • Assist with post-escalation actions, including account monitoring, information preservation and internal follow-up.

E. Management Information, Controls and Reporting

  • Support preparation of AML/CTF MI for the Deputy MLRO and Head of AML/CTF.
  • Track alert volumes, ageing, closure rates, escalation rates, false-positive trends and thematic issues.
  • Identify recurring data quality, system, process or training issues arising from alerts and onboarding reviews.
  • Support transaction monitoring tuning, typology review and scenario effectiveness assessment.
  • Assist in preparing materials for internal committees, regulatory reviews, audits and inspections.

F. Policies, Procedures and Training

  • Follow the Bank's AML/CTF, sanctions, transaction monitoring, onboarding and suspicious activity reporting procedures.
  • Support updates to AML procedures, checklists and operating guides where required.
  • Participate in AML/CTF training and typology awareness sessions.
  • Support targeted training for Business and Operations teams based on common onboarding or alert issues.

G. AML/CTF Monitoring and Testing

  • Contribute to the development of the Bank's AML/CTF Annual Monitoring and Testing Programme.
  • Assist the DMLRO in implementing the AML Monitoring Programme.
  • Produce the first draft of AML Monitoring and Testing reports.
  • Support targeted training for Business and Operations teams based on common onboarding or alert issues.

CANDIDATE PROFILE

Essential Experience

  • 3-5 years' AML/compliance experience in retail and HNWI banking, fintech, payments, brokerage, or wealth management.
  • Experience reviewing transaction monitoring alerts and documenting investigation outcomes.
  • Practical knowledge of customer onboarding, CDD, EDD, PEPs, beneficial ownership, and source of funds/source of wealth.
  • Exposure to sanctions, PEP and adverse media screening tools.
  • Ability to produce clear, concise and audit-ready case notes.
  • Comfortable dealing with Business, Operations and Compliance teams.
  • Basic understanding of UAE/ADGM AML expectations, or ability to learn quickly.

QUALIFICATIONS

Minimum

  • Bachelor's degree or equivalent professional experience.
  • 3-5 years' AML, compliance, financial crime or KYC experience.
  • Strong written English and case documentation skills.

Preferred

  • ICA Certificate/Diploma in AML, ACAMS, International Compliance Association qualification, or willingness to commence a recognised AML qualification within 6-12 months.
  • Familiarity with UAE AML framework, FATF standards, sanctions screening and risk-based CDD.

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