Lead complex, high‑risk, and enhanced due diligence (EDD) ongoing reviews, including customers with intricate ownership structures, cross‑border exposure, PEPs, and high‑risk industries.
Conduct and approve risk‑based reassessments of customer risk ratings, including justification and documentation for changes.
Assess adequacy of source of wealth (SOW), source of funds (SOF), and transactional rationale for ongoing customer relationships.
Ensure ongoing reviews are completed in line with regulatory timelines and internal service level agreements (SLAs).
Escalation & Decision‑Making
Act as a key escalation point for complex AML/KYC issues, unusual findings, and potential financial crime risks.
Provide recommendations on customer retention, exit, or restriction where material AML/CTF risks are identified.