We are seeking a detail-oriented and proactive Associate to join the KYC CIB Riyadh Branch Middle Office, supporting client onboarding and lifecycle management for Saudi Arabia-domiciled clients.

This role is responsible for the execution and coordination of end-to-end KYC activities for branch-managed clients, ensuring compliance with local regulatory requirements (including SAMA) and internal policies. The Associate will work closely with Client, Front Office, Compliance, and Operations teams to deliver timely onboarding, high-quality KYC files, and a strong client experience.

Job responsibilities

• Execute end-to-end KYC processes for Saudi clients, including onboarding, periodic reviews, trigger events, and remediation.
• Ensure KYC documentation and data are accurate, complete, and compliant with internal standards and local regulatory requirements.
• Manage case progression within agreed SLAs, proactively following up on outstanding information.
• Identify and escalate KYC risks, data gaps, or complex structures to senior management and Compliance where required.
• Support KYC processes in line with SAMA regulations and local KYC/AML requirements.
• Maintain strong awareness of Saudi market practices, legal entity types, and ownership structures.
• Assist with responses to internal audits, compliance testing, and regulatory reviews relating to the Riyadh branch.
• Support initiatives to enhance KYC efficiency through process improvements, standardisation, and digitalisation.
• Participate in testing and implementation of KYC systems, workflow tools, and automation initiatives.
• Act as a day-to-day point of contact for Front Office, Compliance, Operations, and Technology teams within the Riyadh branch.
• Provide clear and timely updates on KYC status, risks, and outstanding requirements.
• Support preparation of management information (MI) and reporting for branch governance forums.
• Work collaboratively within the KYC team, sharing best practices and supporting team objectives.
• Demonstrate ownership and accountability for assigned client portfolios and deliverables.
• Support a culture of quality, control, and continuous improvement.

Required qualifications, capabilities, and skills

• Bachelor's degree required (Finance, Business, Economics, Law, or related field preferred).
• Experience in KYC, client onboarding, middle office, or AML-related roles within financial services.
• Solid understanding of KYC/AML regulations and client due diligence requirements.
• Familiarity with KYC systems, document management tools, and workflow platforms.
• Ability to work effectively with Front Office and Compliance in a regulated environment.
• Strong written and verbal communication skills in Arabic and English is a must.
• Strong organisational skills with high attention to detail.
• Confidence in escalating issues and managing deadlines.
• Proactive, disciplined, and able to perform under time pressure.
• Strong risk awareness with a client-focused mindset.
• Willingness to learn and grow within the KYC and CIB environment.

Preferred qualifications, capabilities, and skills

• Experience supporting Saudi clients or working within a KSA-regulated environment is highly desirable.
• Exposure to CIB, wholesale banking, or branch-based client coverage is a plus.
• Experience with process improvement or digital initiatives is an advantage.

ABOUT US

J.P. Morgan is a global leader in financial services, providing strategic advice and products to the world's most prominent corporations, governments, wealthy individuals and institutional investors. Our first-class business in a first-class way approach to serving clients drives everything we do. We strive to build trusted, long-term partnerships to help our clients achieve their business objectives.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

ABOUT THE TEAM

J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.