Client Lifecycle Executive

Permanent contract|Jersey|Banking operations processing

Client Lifecycle Executive

Kleinwort Hambros
  • Jersey, Channel Islands
  • Permanent contract
  • Banking operations processing


Description of the Business Line or Department

The Commercial Department is responsible for the profitable management and the strategic direction of the Private Banking Teams in the UK, CI and GIB. Our Commercial strategy focuses on four main areas:

·       Domestic

·       KCIS Key Client & International

·       French Nexus

·       B2B clients

…all supported by our Business Development, Client Services and Onboarding Teams.

The wider Commercial team strive for the best in class service to our clients to ensure good client outcomes, in addition to building new networks with a strong focus on new client acquisition, ensuring a strong risk management culture in partnership with wider business areas.

Summary of the key purposes of the role

  Provide support to your Commercial business line on all matters related to KYC

  SME for new client on-boarding, liaising with Clients and Commercial Business Lines accordingly

  SME for all KYC matters related to existing clients, including PCRs and trigger events

  MiCA SME – the client management system

  Contribute to the management and governance of the RRAC Committee

  Work constructively with other stakeholders such as Compliance & Middle Office in the performance of their tasks

  Perform all duties in accordance with the principles outlined in the KH Code of Conduct, as well as the policies and procedures relevant to your responsibilities, to ensure that you adhere to a culture that treats clients fairly and focuses on the long-term sustainability of client relationships

Summary of responsibilities 

1.        Client on-boarding
Provide support to Private Bankers by taking responsibility for the onboarding of new clients, or new accounts for existing clients, including:

o    Swift, on-boarding of new client(s), ensuring that information provided is aligned to KH’s commercial ambitions, as well as internal policies and regulatory requirements (including the Brexit Policy and cross border guidelines)

o    Undertake due diligence as required on the prospect

o    Complete KYC Memos on MiCA

o    Liaise with the client and relevant CRM as required providing high quality relationship management throughout the client lifecycle, checking client understanding to ensure good client outcomes

o    Key account opening information on to the system and ensure documents are saved to the central repository
Identify any potential issues and requirements that may be required as part of the on boarding process and liaise with relevant parties to address them promptly
Engage various functions as required to ensure swift completion of the on-boarding process (including RRAC, FOCUS exceptions, Brexit approvals, etc).

o    Issue welcome letters to newly onboarded clients

2.        Periodic Client Reviews (PCRs) and Trigger Event reviews

Preparation of the KYC Memo for all clients at the required run rates throughout the year

Refresh of due diligence and EDD reports as required

Liaison with the Front and Middle Office on any queries (e.g. transaction activity over the period, any change in circumstances), and documentation requirements

Ensure that PCRs are completed to the required standard, so that Compliance sign off can be obtained at the first attempt

Prepare and submit to RRAC any PCRs/Trigger Events, which remain incomplete 90 days after the due date


3.        Data Quality

·       Remediate KYC data quality issues for existing clients

·       Ensure that any RRAC monitoring conditions are followed up within deadlines

4.        Process Improvements

·       Proactively identify opportunities to streamline internal processes, and ultimately improve the client experience to contribute towards Commercial objectives

·       Liaise with PRIV colleagues on the onboarding and PCR processes

·       Support the implementation of Optima IT program from a client lifecycle perspective


5.        Governance and Reporting

·       As required contribute to management information reports

·       Prepare files as required for submission to the RRAC

·       Maintain a high standard of RRAC related governance and documentation

·       Ensure that APBs/CRMs/Team Leaders are engaged ahead of the RRAC and have their questions answered

·       Ad hoc tasks as required by the Head of Client Lifecycle

·       Ensuring appropriate CPD and mandatory training are completed on time

6.        Relationship building

·       Support the commercial priorities of the business line that you are aligned to

·       Build positive working relationships with Clients and the Private Banking teams

·       Build positive working relationships with Client Lifecycle and BMO colleagues

·       Build collaborative relationships with Middle Office and Compliance colleagues

·       This role is not mandated to give client advice or recommendations which is the responsibility of the Private Banker

·       Perform all duties in accordance with the principles outlined in the KH Code of Conduct, and the SG Code, as well as the policies and procedures relevant to your responsibilities, to ensure that you adhere to a culture that focuses on the long-term sustainability of client relationships and delivers good outcomes to retail clients

Profile required


  Individual contributor competencies as defined in the SGKH Leadership Model

  Excellent knowledge of AML/KYC

  Experience in performing Customer Due Diligence

  Able to communicate effectively through different backgrounds and cultures

  Effective written and spoken communication skills

  Strong risk awareness and able to identify and confidently raise issues

  Ability to assess and analyse information

  Attention to detail and focus

  Team Spirit & Collaboration

  Business oriented and solution provider “able to think out of the box”

  Comfortable to have contacts with clients through good communication and relationship management skills


Work Experience

  Experience in similar roles

  Excellent knowledge of AML/KYC

  Experience of working on Compliance related projects/Customer Due Diligence

  Wealth management and private banking experience is desirable


  Level 4 diploma qualified (or working towards) an AML compliance qualification

Why join us

People join for the impact they can have on us. They stay for the impact we have on them. A flatter structure offers visibility and exposure beyond that of our competitors, so you know our names, and we know yours. It's personable, human, and inspires success through passion. By encouraging open mindedness and a willingness to share ideas, we have adapted to market changes and thrived through innovation. Bringing words like “hard work” and “dedication” together with “community” and “respect” has enabled us to work collaboratively and build our future together. We call this Team Spirit and it's what makes us different. It's what makes you different.

Business insight

If you feel you have the required experience and qualifications, then please apply to the SG Resourcing Team, and we will manage your application. At Société Générale, we believe our people are our strength and are core to the success of our business. As such, we search for, recruit and appoint the best available person on the basis of aptitude and ability, regardless of sex, marital or civil partnership status, race, colour, nationality, ethnic or national origins, pregnancy, disability, age, sexual orientation, religion, belief or gender identity.

We are an equal opportunities employer and we are proud to make diversity a strength for our company. Societe Generale is committed to recognizing and promoting all talents, regardless of their beliefs, age, disability, parental status, ethnic origin, nationality, gender identity, sexual orientation, membership of a political, religious, trade union or minority organisation, or any other characteristic that could be subject to discrimination.

Reference: 240002TN
Entity: Kleinwort Hambros
Starting date: 2024/03/31
Publication date: 2024/02/01