Associate, Kyc Onboarding

**Job Summary**

Ensure that an organization's operations and procedures meet government and industry compliance standards. Applies experience and seasoned knowledge, skills, and practices to perform a variety of assignments.

**What is the opportunity?**

As a specialist, you will complete client due diligence (CDD) assessments for prospective and existing clients, working closely with other KYC team members to deliver first-line-of-defense support. This role offers a high level of engagement with internal stakeholders, opportunities to deepen your knowledge of capital markets products, and the chance to work collaboratively with two regional KYC teams.

**What will you do?**

**Client Onboarding & Due Diligence**:

- Manage the pipeline of onboarding requests for the Corporate Banking business group, optimizing assignments for greater efficiency.
- Perform client due diligence (CDD) assessments, collect updated KYC information, and escalate concerns to the Financial Crimes Compliance team to meet the anti-money laundering (AML) regulatory requirements of both Canada and the USA, ensuring full compliance with RBC’s internal standards.
- Identify and escalate high-risk factors, such as industries or client types, for enhanced due diligence (EDD) assessments in accordance with Canada’s _Proceeds of Crime (Money Laundering) and Terrorist Financing Regulations (PCMLTFR)_ and the USA’s _USA PATRIOT Act_ and other applicable AML frameworks.
- Complete onboarding requests within deadlines, managing the broader pipeline while ensuring compliance with Canadian and U.S. AML requirements.
- Maintain data integrity throughout onboarding and maintenance activities to support regulatory compliance.

**Collaboration & Reporting**:

- Provide timely resolution support within 24 - 48 hours to ensure client satisfaction and seamless operations.
- Collaborate with cross-regional KYC Onboarding teams to ensure continuous time zone coverage and operational efficiency.
- Prioritize and manage requests to meet business deadlines, demonstrating flexibility in handling urgent tasks.
- Prepare and distribute weekly onboarding updates, summarizing key metrics for KYC Management and Corporate Banking teams.
- Work closely with management to identify control issues and develop proactive solutions to mitigate risks associated with AML compliance.

**Technology & Process Improvement**:

- Participate in system testing for technology enhancements, including intra-day and after-hours testing as needed.
- Contribute to ad-hoc projects, maintaining high productivity and delivering quality outcomes.

**What do you need to succeed?**

**Must-have**:

- A bachelor’s degree in Business, Finance, Accounting, or a related field.
- A minimum of 2 years of experience in KYC/AML, client due diligence, or operational roles within the banking sector.
- Strong knowledge of regional regulatory requirements, including _CIRO, OSFI, PCMLTFR, FINTRAC, USA PATRIOT Act, FINRA, CFTC, SEC,_ and _NFA,_ with experience working in regulatory or rule-based environments.
- Proven ability to thrive in a fast-paced, high-volume environment while maintaining accuracy and attention to detail.
- An operational mindset with the ability to prioritize and manage pipeline tasks in a queue-based environment, pivoting priorities as needed to meet deadlines and business needs.
- Proficiency in data analysis, including the ability to summarize and interpret large datasets effectively.
- Strong critical thinking and problem-solving skills to address challenges proactively.
- Exceptional organizational and time-management skills, ensuring transparency and accountability in all tasks.
- Advanced proficiency in MS Excel, MS Outlook, and other collaborative communication tools.
- Outstanding verbal and written communication skills, with a client-first attitude and the ability to build strong relationships.

**Nice-to-Have**:

- Certified Anti-Money Laundering Specialist (CAMS) designation or equivalent certification.
- Previous experience in Capital Markets or a strong understanding of investment banking or corporate banking products.
- Educational background or professional experience in Operations or Technology.
- Experience with KYC lifecycle tools (e.g., Fenergo, Encompass, ISDA Amend) to streamline onboarding and ensure regulatory compliance.
- Proficiency in a secondary language, particularly French (written and oral).

**What’s in it for you?**

At RBC Capital Markets, we thrive on challenges, embrace progressive thinking, and work together to deliver trusted advice that helps our clients succeed and our communities prosper. We are committed to fostering a supportive environment where we care for one another, strive to reach our full potential, and create a lasting impact in the communities we serve.

We offer a comprehensive Total Rewards Program, which includes bonuses, flexible benefits, competitive compensation, and stock options (where applicable). As part of our dynamic,