Senior Business Analyst KYC/AML

Overview

Would you like to help banks translate regulatory requirements into effective, efficient and future-proof solutions? As a (Senior) Business Analyst KYC/AML at adesso, you will shape the further development of KYC, AML and AFC processes at the intersection of business, regulation, products, data and IT.

Your focus goes beyond interpreting individual requirements. You will analyse how new requirements affect operational business, product areas, customer processes, role models, application systems, interfaces and data landscapes — and derive implementable target operating models and robust decision-making foundations from them.

You will work on diverse client projects across the entire customer lifecycle: from onboarding and identification through the ongoing business relationship, screening and transaction monitoring to suspicious activity reports, offboarding and audit-proof archiving. In doing so, you will combine regulatory expertise with structured business-analysis skills and a strong implementation focus.

Job Description

YOUR ROLE

• Regulation with impact: You will monitor and assess requirements arising from EU AML/AMLR, AMLD6, AMLA, the German Anti-Money Laundering Act (GwG), as well as relevant BaFin, FATF and sanctions requirements, and derive specific impacts on the business model, products, processes, controls and organisation.
• End-to-end processes: You will analyse, model and optimise KYC/AML processes across the customer lifecycle — particularly onboarding, CDD/EDD, UBO identification, PEP and sanctions screening, transaction monitoring, suspicious activity reports, reviews and offboarding.
• Business requirements: You will translate regulatory and business requirements into business concepts, epics, user stories, acceptance criteria, rule sets, data requirements and business test cases — clearly, transparently and in a way that IT teams can implement.
• Impact on products and systems: You will examine which adjustments are required in core banking systems, KYC/onboarding solutions, CRM and process platforms, screening and monitoring systems, case management, regulatory reporting, DWH/data lake environments, and archive and document-management-system solutions.
• Data and interfaces: You will perform data-point mappings and quality analyses, identify gaps and silos, describe data flows and interfaces, and develop requirements for data models, master data, entity resolution, audit trails and reporting.
• Process and control framework: You will design roles, responsibilities and handovers across the first, second and third lines of defense, as well as quality gates, deadline management, the four-eyes principle and evidence documentation.
• Project delivery: You will facilitate workshops, structure work packages, coordinate stakeholders from business units, compliance, legal, operations, data and IT, and support implementation through testing, business sign-off, rollout and stabilization.
• Communication and consulting: You will prepare complex topics in a way that is tailored to the audience, develop decision papers and present recommendations for action to business and management stakeholders as well as in project and governance committees.
• Innovation with sound judgement: You will assess the appropriate use of automation and AI — for example for document processing, classification, matching, UBO/relationship analysis or RAG — while considering data quality, traceability, explainability, data protection and human-in-the-loop approaches.
• Senior responsibility: As a Senior, you will also lead sub-projects or workstreams, steer the team’s business work and actively advance our topics, methods and client relationships.

YOUR PROFILE

• Education: You have completed a degree in business informatics, business administration, business law, law or a comparable discipline — ideally with a focus on banking, compliance or financial services.
• Professional experience: You have several years of experience as a Business Analyst, Requirements Engineer, Product Owner, Consultant or in a comparable role in banking or financial services.
• KYC/AML/AFC expertise: You have sound knowledge of CDD/KYC, EDD, beneficial owners and control structures, risk-based approaches, PEP/sanctions screening, transaction monitoring and suspicious activity reporting processes.
• Regulatory understanding: You are familiar with the key requirements of the EU AML package, particularly AMLR, AMLD6 and AMLA, and can clearly explain their implications for German banks, processes and systems.
• Comprehensive banking expertise: You understand how regulatory requirements affect customer and product areas such as accounts, payments, lending, securities, trade finance and, where applicable, crypto — and how they are translated into the operational organization.
• Business and technical competence: You can communicate confidently with IT architects and developers and have a sound understanding of application systems, data models, APIs, interfaces, integration patterns, DWH/data lake environments, testing and business sign-off.
• Methods: You are proficient in common business and requirements analysis methods as well as process modelling, for example BPMN, user stories, use cases, workshops and Jira/Confluence. Knowledge of SQL or comparable analytical tools is an advantage.
• Working style: You work analytically, in a structured, precise and solution-oriented manner. Even in complex situations where interests differ, you keep sight of the key impacts and next steps.
• Communication: You stand out through a confident manner, excellent German and good English skills, and the ability to communicate clearly between business, regulation and IT.
• Consulting mindset: You take responsibility, facilitate confidently, enjoy interdisciplinary collaboration and sharing knowledge, and support clients through sustainable change.

Skills & Requirements

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