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KYC Officer



Reporting to: Operations Manager

Location: Dun Laoghaire


Job Purpose:

Know Your Customer support within the Operations team is responsible for the preparation, development, due diligence and approval of the KYC Record and supporting appendices in partnership with Operations and Compliance teams. The Know Your Customer role will accelerate Sales On boarding. The KYC officer will manage exceptions processes and approvals by exception and remote sales validations across our Irish, UK, E-Commerce and Integrated partners markets.


Job Background/Context:

Every new and existing client of Merchant is required to have a KYC Record before an account can be opened. The KYC Record outlines important information about the customer.

There is a requirement to conduct research for company information from both internal and external sources, documenting specifics required to satisfy regulations. There are differing requirements depending on where the account is being opened. There is a constant need for KYC Record review as there are periodic renewals of the required due diligence carried out based on the risk of the client.

The role holder owns the end to end KYC process from creation/renewal to approval of the KYC Record.


Key Responsibilities:

  • Create the KYC Record in the KYC system sourcing information from internal & external sources by the agreed deadline (SLA)
  • Proactively interact with relationship management teams and compliance to update system with information until final approval of KYC Record
  • Accountable for improvements in lead to live times, acting as the main KYC contact for approvals, managing changes to KYC processes and ensuring training for all sales channels and co-ordinating remote sales KYC validations.
  • Validate the information within the KYC Record and document to ensure completeness and accurate (Company/Entity Formation documents, Ownership, Management, etc.)
  • Complete KYC Record incorporating local regulatory requirements / Global Standards and policies KYC officer will manage the end to end process across all stakeholders.
  • Manage changes to KYC processes and ensure training for all sales channels
  • Drive KYC contacts down
  • Be the main KYC contact for approvals, advice and exceptions
  • Co-ordinate remote sales KYC validations across all channels
  • Improve application quality and reduce cost of declines
  • Implement optimisation and quality control programmes to remove inefficiencies/improve quality of current process
  • Escalate any negative news and high risk cases to Compliance department



  • Knowledge of KYC regulations and financial services exposure are prerequisites
  • Experience in control/risk or Compliance (AML/KYC) function (an advantage



  • University degree in a relevant area



  • Customer Services orientated.
  •  Excellent oral and written communication skills
  • Ability to develop strong professional relationships
  • Strong research skills
  • Accuracy and strong attention to detail
  • Ability to work well under pressure and tight time frames
  • Metrics and efficiency analysis skills
  • Pro-active, flexible, have good organizational skills and must be team player.




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