CORDS KYC Refresh Production Associate

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Client Onboarding & Regulatory Data Services (CORDS) is an Operations function within Morgan Stanley and is responsible for regulatory client onboarding, refresh and screening of the firm’s clients.

KYC Refresh supports a number of regulatory compliance requirements specified by our local/global regulators and provides a rigorous and robust process of investigation that seeks, with reasonable assurance, to verify and validate the customer's identity and their business.

The Glasgow High Risk KYC Refresh team is responsible for managing the refresh program across global jurisdictions and ensuring timely and accurate completion of periodic refresh reviews of the firm’s clients. The team partners closely with Global Financial Crimes, Legal and Compliance, internal and external stakeholders to contribute to the success of the refresh program.

Morgan Stanley is seeking an Associate for the High Risk KYC Refresh team in Glasgow.

• Performing timely and accurate completion of periodic KYC Refresh reviews for the firm’s clients
• Directly engage with clients to collect required documents and associated information to meet all regulatory and internal policies
• Serve as point of contact for KYC and/or designated clients
• Stay current with all regulatory changes and requirements around client KYC, Suitability and Documentation
• Escalate appropriately any risks identified during the documentation review process
• Engage in continuous process improvement and innovation
• Act as a subject matter expert on required AML/ KYC documents and process
• Discuss and escalate with Financial Crime stakeholders issues surrounding client types and structures, financial products and services, and other AML risk-related issues
• Lead ongoing change initiatives and build/maintain a strong understanding of the relevant MS policies and regulatory environment

• Previous experience working in an AML/KYC role, preferred either in case management or QC type roles
• Strong attention to detail and dedication to meeting and maintaining high quality standards
• Strong written and oral communication skills, able to confidently engage with clients and to influence internal stakeholders
• Strong analytical, prioritization and organizational skills
• Strong risk and controls awareness

• Good client focus and ability to partner with various internal groups and directly with clients
• Capacity to think laterally and convey an understanding of the bigger picture
• Maintains a sense of urgency and ability to prioritize/multi-task
• Share information, ideas, and suggestions by working collaboratively in a team
• Ability to work under pressure and to fixed deadlines
• Ability to elevate effectively and in a timely manner when required
• Proficient user of Excel and other MS Office tools
• Certification in AML/KYC (e.g., CAMS) is desirable but not essential

We are committed to maintaining the first‑class service and high standard of excellence that have defined Morgan Stanley for over 89 years. Our values – putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back – aren’t just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries.

At Morgan Stanley, you’ll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work‑life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry.

There’s also ample opportunity to move about the business for those who show passion and grit in their work.

If this role is deemed a Certified role and may require the role holder to hold…