DIB Bank Kenya Limited (DIBBKE), is a fully owned subsidiary of Dubai Islamic Bank PJSC (AE) - a pioneering institution that has combined the best of traditional, Shariah values with technology and innovation that characterize the best of modern banking.

Job Purpose

Evaluate the client profile by conducting enhanced due diligence during client acceptance stage, trigger events and periodic reviews, to protect the Bank from any financial and regulatory implications. The role will primarily involve ensuring thorough customer acceptance checks and due diligence before onboarding increased risk clients in alignment with the Bank’s policies and POCAML regulations. This role includes conducting risk assessments to comply with Anti-Money Laundering (AML) and Know Your Customer (KYC) requirements, resolving client business inquiries during onboarding, and coordinating with internal teams for smooth client onboarding by addressing any client-related issues proactively.

Responsibilities or duties

Key Responsibilities

• Assist team members in analyzing critical high-risk cases and support in liaising with internal stakeholders to ensure closure of transactions from enhanced due diligence perspective.
• Performing customer acceptance checks to ensure all client documentation and due diligence meet the bank’s standards before account opening or onboarding of increased risk clients
• Reviewing and advising on escalated cases by Unit Head / Business Head. Ensuring the timely blacklisting of rejected cases from Due Diligence perspective.
• Maintaining MIS and registers of EDD cases and PEP portfolio of the Bank. Performing case management by ensuring all submitted requests to Compliance are timely addressed.
• Filtering cases and instances raised by Business which do not fall under Compliance remit and provide due guidance to Business.
• Providing Compliance advisory in conjunction with the Bank’s CDD Policy and Procedure to Business and Operations.
• Assisting in creating management reports periodically. Assisting in timely and duly complying with CBK reporting requirements.
• Conducting Compliance training sessions as per the annual training program as well as need basis.
• Participating in periodic system reviews, implementation of new systems or redefining the controls in the existing ones.
• Participating in Policy and Procedures review from Due Diligence perspective.
• Conducting quality assurance checks on quarterly basis to ensure compliance operations are in line with approved internal policies, processes and guidelines.
• Ensuring compliance with relevant regulatory requirements such as AML and KYC policies and following up on any incomplete documentation with clear timelines for resolution.
• Escalating suspicious activities or potential compliance breaches to appropriate authorities within the bank Maintaining accurate records of client acceptance activities and reporting to senior management on compliance and operational efficiency. Serving as a back-up to other staff assigned with equivalent roles.

Qualifications or requirements 

Job Specification

• Education Bachelor’s degree and professional qualification in Financial Crime Compliance field such as CAMS, ICA etc.
• Competencies Technical Analytical Ability Compliance Policy design and development Governance and Risk Management Sanctions Compliance Management Anti Money Laundering Risk Management
• Behavioral Think & Act Customer Business & Strategic Acumen Ownership & Accountability Change & Innovation Agility Plan & Execute to Excel Digital Mindset

Experience needed

• Work Experience Minimum of 3-4 years’ experience in Client due diligence Possess overall banking experience in financial products & processes such as General Operations, Branch Management.

• Assist team members in analyzing critical high-risk cases and support in liaising with internal stakeholders to ensure closure of transactions from enhanced due diligence perspective.
• Performing customer acceptance checks to ensure all client documentation and due diligence meet the bank’s standards before account opening or onboarding of increased risk clients
• Reviewing and advising on escalated cases by Unit Head / Business Head. Ensuring the timely blacklisting of rejected cases from Due Diligence perspective.
• Maintaining MIS and registers of EDD cases and PEP portfolio of the Bank. Performing case management by ensuring all submitted requests to Compliance are timely addressed.
• Filtering cases and instances raised by Business which do not fall under Compliance remit and provide due guidance to Business.
• Providing Compliance advisory in conjunction with the Bank’s CDD Policy and Procedure to Business and Operations.
• Assisting in creating management reports periodically. Assisting in timely and duly complying with CBK reporting requirements.
• Conducting Compliance training sessions as per the annual training program as well as need basis.
• Participating in periodic system reviews, implementation of new systems or redefining the controls in the existing ones.
• Participating in Policy and Procedures review from Due Diligence perspective.
• Conducting quality assurance checks on quarterly basis to ensure compliance operations are in line with approved internal policies, processes and guidelines.
• Ensuring compliance with relevant regulatory requirements such as AML and KYC policies and following up on any incomplete documentation with clear timelines for resolution.
• Escalating suspicious activities or potential compliance breaches to appropriate authorities within the bank Maintaining accurate records of client acceptance activities and reporting to senior management on compliance and operational efficiency. Serving as a back-up to other staff assigned with equivalent roles.

• Analytical Ability
• Compliance Policy design and development
• Governance and Risk Management
• Sanctions Compliance Management
• Anti Money Laundering Risk Management
• Think & Act Customer
• Business & Strategic Acumen
• Ownership & Accountability
• Change & Innovation Agility
• Plan & Execute to Excel
• Digital Mindset

• Bachelor’s degree and professional qualification in Financial Crime Compliance field such as CAMS, ICA etc.
• Minimum of 3-4 years’ experience in Client due diligence
• Possess overall banking experience in financial products & processes such as General Operations, Branch Management.