Senior Client Onboarding, KYC & KYT Officer

About the role

BBVA is seeking an experienced professional to lead client onboarding, KYC and KYT processes for individuals and legal entities in its Swiss private banking division. The role involves ensuring compliance with Swiss regulations and internal standards while supporting the bank’s digital transformation.

Key responsibilities

• Review and approve onboarding files, including high‑risk structures, ensuring compliance with FINMA, CDB, FATCA and internal guidelines.
• Conduct KYC due diligence, periodic reviews and enhanced due diligence for complex private‑banking clients such as trusts, foundations and cross‑border structures.
• Assess source of wealth and source of funds, challenge documentation quality and provide expert guidance to Front Office.
• Apply KYT knowledge to evaluate transactional behaviour, flag unusual activity and support AML monitoring.
• Lead initiatives with Legal, Compliance and Risk to improve onboarding, KYC, KYT controls and operational efficiency.

Required profile

• Degree in law, business, finance or related field; master’s degree or ACAMS certification highly desired.
• 7‑10 years of experience in client onboarding, KYC, KYT and AML within private banking or wealth management.
• Strong knowledge of Swiss banking regulations (FINMA, AMLA/AMLO‑FINMA, CDB, FATCA, CRS/AEI, QI).
• Proven ability to assess complex ownership structures, PEPs and high‑risk clients.

Required skills

• FINMA regulatory compliance
• FATCA and CRS/AEI reporting
• KYC and KYT processes
• AML risk assessment
• Source of wealth/funds analysis