Manager – AML & KYC Advisory

Equity Bank (Kenya) Limited is a leading Financial Services Institution operating in Kenya. Our diversified business spans banking, insurance, technology and social enterprise, enabling us to deliver integrated solutions that drive inclusive growth at scale. Our business model is anchored on a distinctive Tri-Engine framework — Social, Economic and Sustainability, which systematically strengthens value-chains, empowers communities and delivers long-term social and economic impact.

Our purpose, “Transforming lives, giving dignity, and expanding opportunities for wealth creation,” guides every our strategic decision. We are driven by a bold vision “to be the champion of the socio-economic prosperity of the people of Africa,” and this ambition is embedded in our culture through our core values of professionalism, integrity, creativity and innovation, teamwork, unity of purpose, respect and effective corporate governance (PICTURE).

Our growth and impact agenda is clearly defined and operationalized through the Africa Recovery and Resilience Plan (ARRP), which serves as the strategic blueprint for sustainable expansion and long-term value creation across the continent.

JOB PURPOSE

The Manager – AML & KYC Advisory is responsible for providing risk-based AML/CFT/CPF and KYC advisory opinions, independent review and challenge on customer onboarding, retention and high-risk relationships across the Bank.

The role ensures that CDD, EDD and beneficial ownership assessments meet regulatory and policy requirements, that advisory decisions are documented and consistent, and that material customer financial crime risks are escalated in a timely manner.

KEY RESPONSIBILITIES

· Provide risk-based opinions on onboarding, customer retention, CDD, EDD and complex KYC exceptions.

· Review and challenge PEP assessments, adverse media, source of funds and wealth, high-risk sectors and proposed acceptance decisions.

· Analyse complex ownership and control arrangements, documentation sufficiency, trusts, nominees and layered entities.

· Advise on customer risk-rating overrides, event-driven reviews, periodic reviews and mitigation measures.

· Contribute to KYC policy development, digital onboarding and risk-rating system changes.

· Document advisory decisions, escalate material risks and support regulatory inspections.

• Review specialist opinions, supervise workload and coach analysts.

KEY ACCOUNTABILITIES

· Deliver timely, documented and consistent advisory opinions within agreed service levels.

· Assess the adequacy of CDD and EDD performed by First Line and challenge gaps in information, verification or risk mitigation.

· Review PEP, adverse media, high-risk jurisdiction and high-risk sector cases and recommend acceptance, conditions or decline.

· Assess source of funds and source of wealth explanations and supporting evidence for plausibility and sufficiency.

· Analyse beneficial ownership and control structures and confirm documentation sufficiency in line with regulatory requirements.

· Review customer risk-rating overrides and recommend appropriate risk classification and mitigation measures.

· Advise on event-driven reviews triggered by monitoring, screening, adverse media or law enforcement requests.

· Maintain an advisory log and quality-assured case files to support audit and regulatory review.

· Identify recurring KYC deficiencies and control themes and report them for remediation by accountable owners.

· Provide technical input into KYC procedures, digital onboarding journeys, risk-rating tools and new product reviews.

· Escalate material customer financial crime risks to the Senior Manager – KYC Advisory and the MLRO.

· Support regulatory inspections, audits and correspondent bank due diligence requests.

• Supervise, review and coach analysts and maintain quality standards for advisory outputs.

Equity Bank (Kenya) Limited is a leading Financial Services Institution operating in Kenya. Our diversified business spans banking, insurance, technology and social enterprise, enabling us to deliver integrated solutions that drive inclusive growth at scale. Our business model is anchored on a distinctive Tri-Engine framework — Social, Economic and Sustainability, which systematically strengthens value-chains, empowers communities and delivers long-term social and economic impact.

Our purpose, “Transforming lives, giving dignity, and expanding opportunities for wealth creation,” guides every our strategic decision. We are driven by a bold vision “to be the champion of the socio-economic prosperity of the people of Africa,” and this ambition is embedded in our culture through our core values of professionalism, integrity, creativity and innovation, teamwork, unity of purpose, respect and effective corporate governance (PICTURE).

Our growth and impact agenda is clearly defined and operationalized through the Africa Recovery and Resilience Plan (ARRP), which serves as the strategic blueprint for sustainable expansion and long-term value creation across the continent.

JOB PURPOSE

The Manager – AML & KYC Advisory is responsible for providing risk-based AML/CFT/CPF and KYC advisory opinions, independent review and challenge on customer onboarding, retention and high-risk relationships across the Bank.

The role ensures that CDD, EDD and beneficial ownership assessments meet regulatory and policy requirements, that advisory decisions are documented and consistent, and that material customer financial crime risks are escalated in a timely manner.

KEY RESPONSIBILITIES

· Provide risk-based opinions on onboarding, customer retention, CDD, EDD and complex KYC exceptions.

· Review and challenge PEP assessments, adverse media, source of funds and wealth, high-risk sectors and proposed acceptance decisions.

· Analyse complex ownership and control arrangements, documentation sufficiency, trusts, nominees and layered entities.

·