UOB
Financial Services
AMLReviewer,AffluentClientGroup
Neural analysis suggests this role is
optimal for Mid candidates.
“AML Reviewer, Affluent Client Group at UOB. Skills: AML, CFT, KYC/CDD, financial crime control, risk-based AML frameworks, client due diligence, source of wealth/source of funds assessments. conducting independent and risk‑based Anti‑Money Laundering (AML) and Counter‑Financing of Terrorism (CFT) reviews on Affluent Client Group (ACG) customers. Perform periodic, event‑driven, and trigger‑based reviews on ACG customer accounts”
What You'll Achieve.
ensure that AML risks are appropriately identified, assessed, mitigated, and escalated; Ensure AML risk ratings are accurate, risk‑sensitive, and supported by documented justification; Maintain productivity rate based on cases of completion as per ACG preset standards; Ensure AML concerns are escalated timely and transparently, without commercial influence; Ensure reviews are conducted in line with UOB internal policies, operating standards, and MAS expectations; Track and follow up on remediation actions arising from review findings
Industry & Context.
analytical judgement; Ability to exercise independent judgement and effective challenge; Assess plausibility of large, unusual, or complex transactions; Identify red flags; Identify inconsistencies between customer profile, wealth accumulation, and observed account activity
What They're Looking For.
Must Have
3–6 years’ experience in AML, KYC/CDD, or financial crime control within banking or financial services, MAS AML/CFT Notices (e. g. Notices 626 / 641 / 643 or prevailing equivalents), AML risk typologies relevant to affluent clients, UOB-style risk-based AML frameworks, Ability to assess SOW/SOF credibility and transactional reasonableness, analytical judgement and attention to detail, Ability to exercise independent judgement and effective challenge, Clear written documentation and articulation of AML rationale, Professional stakeholder management skills, High integrity, objectivity, and risk awareness, Uphold UOB’s risk culture and conduct standards, ensuring AML obligations take precedence over commercial considerations, Actively support the Bank’s three lines of defence model, Perform all duties in accordance with internal policies, regulatory requirements, and ethical standards
Nice to Have
Prior exposure to affluent, priority banking, or private banking clients is strongly preferred, Experience handling higher‑risk customers, complex wealth profiles, or EDD cases is an advantage
What You'll Do.
conducting independent and risk‑based Anti‑Money Laundering (AML) and Counter‑Financing of Terrorism (CFT) reviews on Affluent Client Group (ACG) customers
and trigger‑based reviews on ACG customer accounts
Independently assess the adequacy
and reasonableness of: Client identification and profile information
Source of Wealth (SOW) and Source of Funds (SOF)
and investment rationale
Ensure AML risk ratings are accurate
and supported by documented justification
Identify inconsistencies between customer profile
and observed account activity
Track and monitor that the Client Advisor return the responses to customer outreach effort within prescribed turnaround time given and ensure that the overall length of review are kept within the agreed timelines
Maintain productivity rate based on cases of completion as per ACG preset standards
Provide BU approvers with account strategy recommendation and justification for any mitigating controls
Review transactional patterns and account activity against customer risk profile
Assess plausibility of large
or complex transactions common in affluent banking
Identify red flags relating to: Cross‑border activity
High‑risk jurisdictions or products
Escalate suspicious or unexplained activity to Group Compliance / Business Risk & Control Management team for further assessment where required
Provide objective and professional challenge to Client Advisors (CAs) and business units where AML risk explanations are insufficient
Ensure AML concerns are escalated timely and transparently
without commercial influence
Support the preparation of STR‑related information where applicable
while maintaining proper segregation of duties
and audit‑defensible review documentation
including reviewer rationale and conclusions
Ensure reviews are conducted in line with UOB internal policies
Support internal audit
and MAS inspections by providing accurate case records and explanations
Track and follow up on remediation actions arising from review findings
Identify recurring gaps
or RM training needs observed during reviews
Provide feedback to uplift overall AML review quality within ACG
Contribute to process enhancement initiatives
and control strengthening measures
Participate in Group Compliance / Business Risk & Control Management projects
contribute to business requirements for any KYC system enhancement and conduct user acceptance testing as ACG business representative
How You'll Work.
Team & Collaboration
Provide BU approvers with account strategy recommendation and justification for any mitigating controls; Provide objective and professional challenge to Client Advisors (CAs) and business units; Support internal audit, compliance reviews, and MAS inspections; Participate in Group Compliance / Business Risk & Control Management projects; Actively support the Bank’s three lines of defence model
Communication Scope
Clear written documentation and articulation of AML rationale; Professional stakeholder management skills
Process & Methodology
Contribute to process enhancement initiatives, Contribute to business requirements for any KYC system enhancement, conduct user acceptance testing
Full Job Description
**About UOB** United Overseas Bank Limited (UOB) is a leading bank in Asia with a global network of more than 500 branches and offices in 19 countries and territories in Asia Pacific, Europe and North America. In Asia, we operate through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia and Thailand, as well as branches and offices. Our history spans more than 80 years. Over this time, we have been guided by our values – Honorable, Enterprising, United and Committed. This means we always strive to do what is right, build for the future, work as one team and pursue long-term success. It is how we work, consistently, be it towards the company, our colleagues or our customers. **Job Description** The AML Reviewer is responsible for conducting independent and risk‑based Anti‑Money Laundering (AML) and Counter‑Financing of Terrorism (CFT) reviews on Affluent Client Group (ACG) customers, in accordance with MAS AML/CFT Notices, UOB Group policies, and internal governance standards. The role serves as a key control function within the ACG Middle Office, providing effective challenge over client due diligence, source of wealth/source of funds assessments, and transactional behaviour to ensure that AML risks are appropriately identified, assessed, mitigated, and escalated. **_Key Responsibilities_** 1\. Onboarding and Enhanced Client Due Diligence (ECDD) Reviews * Perform periodic, event‑driven, and trigger‑based reviews on ACG customer accounts. * Independently assess the adequacy, completeness, and reasonableness of: * Client identification and profile information * Source of Wealth (SOW) and Source of Funds (SOF) * Declared occupation, business activities, and investment rationale * Ensure AML risk ratings are accurate, risk‑sensitive, and supported by documented justification. * Identify inconsistencies between customer profile, wealth accumulation, and observed account activity. * Track and monitor that the Client Advisor return the res
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