Do you want your voice heard and your actions to count?
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. Across the globe, we’re 150,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.
With a vision to be the world’s most trusted financial group, it’s part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.
Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.
Key Responsibilities
Strategic Responsibilities
- Support the Head of KYC AML Unit (India) in reinforcing First Line of Defense ownership by ensuring KYC activities are executed in compliance with applicable local and global regulatory requirements, MUFG KYC Policy, internal procedures, and standards.
- Perform independent second‑level reviews within the First Line of Defense as part of the formal maker–checker control framework, supporting day‑to‑day oversight and control assurance for the KAU Head.
- Provide policy interpretation and procedural guidance to Business and KYC Operations teams in alignment with MUFG KYC standards, regulatory expectations, and internal governance requirements.
- Ensure end‑to‑end transparency, data integrity, and consistency across KYC reviews while adhering to agreed turnaround times without compromising risk and control thresholds.
- Execute ongoing Quality Assurance (QA) reviews to identify control gaps, documentation deficiencies, and process deviations, and support remediation actions.
- Assist the KAU Head in conducting periodic thematic reviews, control effectiveness assessments, and procedural reviews of KYC onboarding and periodic review processes.
- Monitor evolving regulatory guidance, supervisory communications, and MUFG Group directives, supporting timely and consistent implementation within the KYC operating framework.
Control
- Ensure KYC cases are prioritised, tracked, and closed in line with defined SLAs, control checkpoints, and escalation protocols.
- Escalate high‑risk clients, material control deficiencies, and urgent business issues in accordance with established governance and issue‑management frameworks.
- Support the delivery of Key Risk Indicators (KRIs), Key Performance Indicators (KPIs), and management dashboards to senior management.
- Prepare and maintain recurring MIS, exception reporting, and control monitoring metrics for KYC Operations.
- Maintain oversight of Health Check metrics, including KYC overdue population, extensions and exceptions, account closures and exits, and hold‑code monitored relationships, ensuring timely remediation and appropriate documentation.
Operational
- Apply strong knowledge of Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), documentation standards, and periodic review requirements to validate the completeness and accuracy of KYC records.
- Review and assess complex ownership and control structures, including trusts, charities, foundations, and branch, liaison, or project offices, in line with MUFG KYC policy.
- Review screening outputs to identify PEPs, sanctions exposure, and adverse media, and assess the adequacy of corresponding risk mitigation measures.
- Validate customer risk categorisation and EDD triggers, ensuring alignment with regulatory requirements and MUFG’s risk appetite for high‑risk clients.
Stakeholder Management
- Act as a point of escalation and subject‑matter reference for Business and KYC Operations teams on issues arising from KYC reviews and QA findings.
- Take ownership of issue resolution, remediation tracking, and follow‑ups to achieve acceptable business outcomes within defined risk tolerance levels.
- Coordinate with Business stakeholders to manage onboarding and periodic review pipelines, including prioritisation of high‑risk and time‑sensitive cases.
- Engage with internal stakeholders, including FC Compliance, QA, Global KYC (Policy and Process), Audit, and other control functions, to ensure KYC cases progress in line with agreed processes and SLAs.
- Support delivery of exception management reporting and MIS to internal stakeholders and senior management.
Mitsubishi UFJ Financial Group (MUFG) is an equal opportunity employer. We view our employees as our key assets as they are fundamental to our long-term growth and success. MUFG is committed to hiring based on merit and organsational fit, regardless of race, religion or gender.