kyc - aml

Job Specification - KYC Analyst (Mid-Level / Senior / Junior Considered)

Location: Madrid, Spain - Las Rozas (Onsite, 5 days per week) Project: Triodos Bank - KYC Remediation Programme Contract Duration: Until end of 2027 (with potential extension) Day Rate: €200 - €400 per day (depending on experience and seniority)

Overview

Triodos Bank is launching a multi-year KYC Remediation Programme based onsite at its Las Rozas offices in Madrid. We are building a dedicated team of 22 KYC professionals, including a Team Lead, to support the onboarding and remediation of 1,000+ new customer cases, predominantly mid-risk profiles.

We are seeking experienced Mid-Level and Senior KYC Analysts, with the possibility of considering a highly capable Junior Analyst. Candidates with CDD and QA exposure are highly desirable, though not mandatory for all positions. Senior Analysts must have prior signatory experience to approve completed files and make final KYC decisions.

Role Summary

The KYC Analyst will be responsible for performing due diligence, onboarding reviews, and remediation activities aligned with Triodos Bank's regulatory standards and internal risk appetite. The role requires strong analytical skills, attention to detail, and the ability to operate effectively within a high-volume, quality-driven environment.

Key Responsibilities

· Conduct KYC and CDD checks on new and existing customers in line with regulatory and internal policy requirements.

· Analyse customer documentation, ownership structures, and risk indicators to determine risk profiles.

· Complete onboarding reviews for mid-risk customer segments.

· Support the remediation of legacy and newly onboarded customer files to ensure full compliance.

· Identify missing information, inconsistencies, or red flags and escalate appropriately.

· Collaborate with internal teams to gather required documentation and ensure timely case progression.

· Maintain accurate documentation and audit-ready records.

· (For Senior Analysts) Review and sign off KYC files as a designated signatory, taking responsibility for final approval decisions.

· (For more experienced profiles) Provide guidance to junior team members and contribute to quality control initiatives.

· (Optional but desirable) Perform QA checks or peer reviews on completed KYC cases.

Required Skills & Experience

Essential

· Proven experience working as a KYC / CDD Analyst (mid-level or senior).

· Strong understanding of AML, KYC, CDD, and regulatory requirements across EU/ES frameworks.

· Experience handling mid-risk customer cases.

· Excellent analytical and decision-making skills.

· Ability to work efficiently in high-volume onboarding/remediation environments.

· Strong communication skills, both written and verbal.

· Ability to work onsite in Las Rozas, Madrid, five days per week.

Additional Requirement for Senior Analysts

· Demonstrable signatory experience, including authority to approve KYC cases and make final file decisions.

Desirable

· Experience in QA or quality control for KYC files.

· Exposure to end-to-end remediation programmes.

· Previous experience within banking environments.

· Spanish and English language fluency.

Junior Consideration

A talented Junior with foundational KYC/AML knowledge, strong learning agility, and relevant internship or early-career experience may be considered.

Team Structure

· 1 Team Lead overseeing programme delivery, quality, and workflow management.

· Mixture of Senior and Mid-Level KYC Analysts, with potential for one Junior Analyst.

· Fully onsite operations within the Triodos Bank offices at Las Rozas.

Contract Details

· Location: Las Rozas, Madrid

· Working Pattern: 5 days per week onsite

· Rate Range: €200 - €400 per day (experience-based)

· Contract Length: Until end of 2027 (extension possible)