Do you want your voice heard and your actions to count?

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. Across the globe, we’re 120,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.

With a vision to be the world’s most trusted financial group, it’s part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.

Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.

Purpose of the Job

The Associate will lead complex due diligence efforts and serve as a subject matter expert (SME) on KYC/AML processes within the financial institution. This role involves analyzing high-risk client portfolios, mentoring junior analysts, and ensuring the FI’s adherence to global and local regulatory standards. The Associate will also contribute to process improvements and policy updates to enhance compliance efficiency.

Primary Responsibilities

• Perform enhanced due diligence (EDD) on high-risk clients, including PEPs, complex corporate structures, and clients in high-risk jurisdictions, ensuring compliance with AML/CTF regulations.

• Analyze client ownership structures, beneficial ownership, and source of funds/wealth to assess risk levels and recommend mitigation measures.

• Lead periodic reviews of existing client portfolios, identifying gaps in documentation and ensuring alignment with evolving regulatory requirements.

• Investigate and escalate suspicious activities or red flags (e.g., unusual transaction patterns, adverse media findings) to the Financial Crime Compliance team.

• Assist in developing and updating KYC policies, procedures, and risk assessment frameworks to reflect regulatory changes and industry best practices.

• Prepare detailed reports and metrics on KYC activities for senior management and regulatory audits

• Facilitate Client contact and collection of appropriate documentation in line with requirements of KYC policy providing best in class customer service, Limit the amount customer requests by utilizing public sources and Bankers Almanac

• Mentor and train junior KYC analysts on best practices, regulatory updates, and internal procedures.

• Collaborate with cross-functional teams (e.g., legal, operations, front office) to streamline onboarding and KYC refresh processes while maintaining compliance standards. Team player who can step in for BAU Periodic review team lead

• Ensure effective oversight of the end to end KYC Processes for Financial Institutions utilizing centralized trackers. Proactive experienced problem solver able to quickly identify road blocks and come up with solutions to close out KYC Profiles. Ability to be able to influence internal and external partners including clients.

Qualification & Experience

• 3-5 years of experience in KYC/AML compliance within a financial institution, with a focus on high-risk client analysis

• In-depth knowledge of global AML/CTF regulations (e.g., FATF, FinCEN, EU AML Directives) and local banking laws.

• Proficiency in KYC tools, transaction monitoring systems, and data analysis software; experience with blockchain analytics is a plus.

• Strong problem-solving and decision-making skills with the ability to handle complex cases independently.

• Excellent interpersonal skills to manage relationships with stakeholders and guide junior team members.

• Ability to adapt to changing regulatory environments and implement process improvements.

Mitsubishi UFJ Financial Group (MUFG) is an equal opportunity employer. We view our employees as our key assets as they are fundamental to our long-term growth and success. MUFG is committed to hiring based on merit and organsational fit, regardless of race, religion or gender.