AML/KYC Senior Analyst – Investor Lifecycle

The Apex Group was established in Bermuda in 2003 and is now one of the world’s largest fund administration and middle office solutions providers.

Our business is unique in its ability to reach globally, service locally and provide cross-jurisdictional services. With our clients at the heart of everything we do, our hard-working team has successfully delivered on an unprecedented growth and transformation journey, and we are now represented by over circa 13,000 employees across 112 offices worldwide.Your career with us should reflect your energy and passion.

That’s why, at Apex Group, we will do more than simply ‘empower’ you. We will work to supercharge your unique skills and experience.

Take the lead and we’ll give you the support you need to be at the top of your game. And we offer you the freedom to be a positive disrupter and turn big ideas into bold, industry-changing realities.

For our business, for clients, and for you

As an AML/KYC Senior Analyst, you will play a key role in the execution of investor due diligence activities across the investor lifecycle.

The successful candidate will primarily focus on investor onboarding activities, ensuring investors are onboarded in accordance with applicable AML/CTF regulations, client requirements and Apex policies. In addition to onboarding responsibilities, the role will support periodic reviews, remediation programmes, ongoing monitoring activities and other AML/KYC initiatives as required.

Working closely with clients, investors and internal stakeholders, you will contribute to the delivery of a high-quality service while maintaining strong regulatory compliance, effective risk management and exceptional client experience.

As Apex continues to evolve towards a more integrated investor lifecycle model, the successful candidate will have the opportunity to broaden their expertise across all AML/KYC activities and develop into a highly versatile AML/KYC subject matter expert.

Key Responsibilities

Investor Onboarding

• Conduct investor onboarding reviews in accordance with applicable AML/KYC regulations, internal policies and client-specific requirements.
• Perform SDD, CDD and EDD assessments for a wide range of investor types.
• Review legal documentation, ownership structures, beneficial ownership information and supporting due diligence records.
• Analyse source of wealth and source of funds information where applicable.
• Ensure onboarding files are completed accurately and within agreed service level timelines.
• Liaise directly with investors, intermediaries, distributors and clients to obtain outstanding information and documentation.
• Identify and escalate high-risk investors, unusual structures and complex AML/KYC matters.
• Support investor account opening activities and the maintenance of investor records.

Portfolio Management

• Manage a portfolio of assigned fund clients and investor relationships.
• Develop a strong understanding of client-specific AML/KYC requirements, procedures and risk profiles.
• Monitor delivery against agreed service levels and deadlines.
• Coordinate with internal stakeholders to ensure timely completion of AML/KYC obligations.
• Escalate service, quality or risk concerns where appropriate.
• Support client governance meetings and operational reviews when required.

Periodic Reviews and Ongoing Monitoring

• Perform investor periodic reviews in line with risk-based review schedules and internal procedures.
• Support trigger-event reviews and investor remediation exercises.
• Conduct ongoing monitoring activities and risk reassessments.
• Review investor changes including ownership updates, control changes and material risk events.
• Ensure investor profiles remain accurate and up to date throughout the investor lifecycle.
• Escalate identified AML/KYC concerns in a timely manner.

Screening and Risk Assessment

• Perform sanctions, politically exposed persons (PEP) and adverse media screenings using approved tools and systems.
• Analyse screening results and determine appropriate follow-up actions.
• Contribute to investor risk assessments and risk classifications.
• Ensure AML/KYC conclusions are appropriately documented and supported.

Client and Stakeholder Management

• Act as a key contact for AML/KYC queries relating to assigned portfolios.
• Build strong working relationships with clients, relationship managers, compliance teams and operational stakeholders.
• Participate in client calls, due diligence meetings and internal governance forums where appropriate.
• Provide clear, professional and timely communication regarding AML/KYC matters.

Operational Excellence

• Contribute to the achievement of departmental KPIs and service delivery objectives.
• Maintain accurate records within relevant systems and workflow tools.
• Support process improvement, automation and operational efficiency initiatives.
• Assist with internal audits, external audits and client due diligence reviews.
• Contribute to the development of procedures, guidance notes and best practices.
• Support knowledge sharing and cross-training initiatives across the AML/KYC function.

Wider AML/KYC Lifecycle Support

• Provide support across onboarding, periodic reviews, remediation and ongoing monitoring activities based on business priorities.
• Collaborate with colleagues across Luxembourg and offshore teams to ensure consistent application of AML/KYC standards.
• Develop expertise across the full investor lifecycle.
• Promote a client-centric and risk-based approach to investor due diligence.

Skills and Experience Required

Technical Competencies

• Bachelor's or Master's degree in Finance, Law, Business Administration, Economics or a related discipline.
• Minimum 4-6 years of experience within AML/KYC, Transfer Agency, Investor Services, Fund Administration or Financial Services.
• Strong practical experience in investor onboarding within the Luxembourg funds industry.
• Experience performing investor due diligence across various investor types and structures.
• Exposure to periodic reviews, remediation programmes and ongoing monitoring activities.
• Strong understanding of Luxembourg and European AML/CTF regulatory requirements.
• Sound knowledge of SDD, CDD, EDD, beneficial ownership, source of wealth and source of funds principles.
• Experience with sanctions screening, PEP screening and adverse media reviews.
• Knowledge of Transfer Agency operations and investor lifecycle processes.
• Experience using AML/KYC workflow platforms, screening tools and investor servicing systems.
• Knowledge of FATCA and CRS requirements would be considered an advantage.

Personal Attributes

• Strong analytical and investigative skills.
• Excellent attention to detail.
• Strong organisational and planning abilities.
• Ability to manage multiple priorities and deadlines.
• Excellent written and verbal communication skills.
• Strong client service orientation.
• Proactive and solution-driven mindset.
• Ability to work independently and collaboratively.
• Sound judgement and risk awareness.
• Strong team player with a continuous improvement mindset.

Language Requirements

• Excellent command of English, both written and verbal.
• Knowledge of French, German, Italian or any additional European language would be considered an asset.

What You Will Get in Return

• The opportunity to develop expertise across the entire investor AML/KYC lifecycle.
• Exposure to a diverse and international client portfolio.
• Direct interaction with investors, clients and senior stakeholders.
• Participation in remediation, regulatory and transformation initiatives.
• A collaborative and international working environment.
• Structured professional development and career progression opportunities.
• Exposure to a broad range of investment structures across traditional and alternative funds.
• Competitive remuneration and benefits package aligned with experience and expertise.

Please note that a background check will be conducted as part of the hiring process once a job offer has been made. In accordance with the provisions of the Luxembourg law of 23 July 2016 amending the law of 29 March 2013, candidates may be required to provide an extract from their criminal record. This document, issued by the authorities, must not be older than three months. Such a document will be requested with the aim of carrying out a character check on candidates, bearing in mind the area of activity of our establishment and, more particularly, the tasks described in the job description.

Disclaimer: Unsolicited CVs sent to Apex (Talent Acquisition Team or Hiring Managers) by recruitment agencies will not be accepted for this position. Apex operates a direct sourcing model and where agency assistance is required, the Talent Acquisition team will engage directly with our exclusive recruitment partners.