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Ongoing Due Diligence (ODD) Analyst – Business Clients
Lisbon
Job No. r00312183
Full-time - On-Site
Description Du Poste
Role Overview
The Ongoing Due Diligence (ODD) Analyst plays a critical role in ensuring ongoing AML and compliance standards for business customers through periodic and event‑driven reviews.
The role focuses on reassessing the risk profile of existing business clients, validating the legitimacy of their operations, detecting emerging financial‑crime risks, and ensuring ongoing compliance with internal policies and regulatory frameworks.
This position does not involve onboarding activities. Candidates must demonstrate hands‑on experience performing ODD, EDD, or KYB reviews for corporate clients within European financial institutions.
Key Responsibilities
- Conduct periodic and trigger‑based Ongoing Due Diligence reviews for business clients, ensuring KYB data, ownership structures, and activity profiles are continuously up to date.
- Analyze business operations, beneficial ownership, corporate structures, and risk indicators to detect potential money‑laundering, fraud, sanctions risk, or reputational concerns.
- Perform PEP and Sanctions screening for all relevant corporate entities, UBOs, directors, and associated parties using internal screening tools and external databases.
- Identify, review, and escalate potential sanctions matches, PEP hits, and adverse media in alignment with internal escalation procedures.
- Conduct comprehensive research using public information sources, commercial databases, and internal systems to detect adverse media, regulatory actions, fraud exposure, or other red flags.
- Update and validate all KYB documentation, ensuring it meets regulatory and internal risk‑management requirements.
- Produce clear, concise, and well‑structured ODD reports summarizing findings, risk assessments, and recommendations for approval or further investigation.
- Maintain complete and accurate audit trails of investigative steps, documentation updates, and decision‑making rationale.
- Work closely with Compliance, Sanctions, QA, and Risk teams to ensure reviews align with regulatory expectations and internal policies.
- Contribute to process improvements and control enhancements that strengthen continuous monitoring and customer‑risk management.
- Support thematic reviews to identify evolving typologies, emerging risks, or patterns across the business client portfolio.
Qualifications
Education:
Bachelor’s degree in Finance, Business, Law, Economics, or related field.
Language:
- Minimum English level C1.
Experience
- Minimum 1 year of experience in Ongoing Due Diligence (ODD), Enhanced Due Diligence (EDD), or KYB reviews within financial services.
- Strong exposure to AML frameworks, sanctions compliance, PEP identification, and corporate‑risk assessment processes.
Skills
- Excellent communication skills, able to discuss complex assessments clearly in English with internal stakeholders.
- Strong analytical and investigative mindset, capable of assessing business activity, ownership structures, and risk exposure.
- Advanced writing skills, with emphasis on clear, factual, and structured case documentation.
- Solid understanding of AML regulations, sanctions regimes, PEP frameworks, adverse media methodologies, and business‑related red flags.
- High attention to detail and strong organizational discipline and consistent documentation discipline.
- Risk‑based approach to decision‑making, with an understanding that ODD is a continuous, dynamic assessment rather than a check‑the‑box exercise.
Certifications:
At least one of the following is required or strongly preferred:
- ICA certifications in AML, Financial Crime, or Compliance
- CAMS (Certified Anti‑Money Laundering Specialist)
You must possess a valid work permit for Portugal and/or European Union/Schengen Space citizenship
You must submit your CV in English
What We Offer
- Health insurance
- Life Insurance and Pension Plan Programs
- Free medical services at the office (Physician, Nutritionist, Psychologist)
- Wellness programs
- Flexben Program (Support for Education, Kindergarden, Training, Technology, Health)
- Employee Share Purchase Plan
- Personalized training paths and access to Udemy and Plurisight Plataforms
- Flex-ability program (financial and flexible support for people with disabilities)
- Special banking conditions
