Senior Client Onboarding, KYC & KYT Officer

About the role

BBVA is seeking a Senior Client Onboarding, KYC & KYT Officer to lead the onboarding and ongoing due‑diligence processes for individuals and legal entities. You will ensure that all client information meets regulatory expectations and internal standards while supporting the Front Office with expert guidance.

Key responsibilities

• Review and approve onboarding files for individuals and entities, including complex high‑risk structures, ensuring completeness, accuracy and compliance with FINMA, CDB 20 and internal directives.
• Validate FATCA, QI and CDB formalities against CRS/AEI requirements, flagging inconsistencies and escalating material issues.
• Control, validate and approve captured customer data and documentation, maintaining data quality, traceability and audit trails.
• Capture, assess and follow up on deficiencies identified during onboarding, periodic reviews and client lifecycle management.
• Challenge Front Office on documentation quality, risk assessments, economic and transactional rationales for complex client structures.
• Oversee KYC due‑diligence, enhanced due‑diligence, AML clarifications, PEP assessments and other high‑risk factors.
• Perform and review periodic KYC reviews, ensuring up‑to‑date source of wealth/funds, expected activity and transactional profiles.
• Apply KYT knowledge to assess transactional behaviour, escalating unusual or unexplained activity.
• Provide expert advice on onboarding, KYC, KYT, AML, FATCA, CRS/AEI and related topics; act as subject‑matter expert for the first line of defence.
• Review work of junior onboarding team members and deliver coaching and training on documentation standards and risk‑based judgement.

Required profile

• Extensive experience in client onboarding, KYC, KYT and AML within a banking or financial‑services environment.
• Deep knowledge of Swiss regulatory frameworks (FINMA, CDB), FATCA, CRS/AEI and related compliance requirements.
• Proven ability to assess high‑risk clients, complex ownership structures and to challenge front‑office documentation.
• Strong analytical mindset with the capacity to evaluate source of wealth/funds and transactional rationale.
• Excellent communication skills to provide guidance and training to internal stakeholders.

Required skills

What we offer

• Opportunity to work in a global bank with a diverse, multidisciplinary team.
• Exposure to complex, high‑value client structures and advanced compliance challenges.
• Professional development and coaching responsibilities.