Onboarding - New Business & Risk Officer (14240) - Guernsey

The role:
To support the effective onboarding and ongoing maintenance of client relationships, ensuring that appropriate customer due diligence, regulatory and internal requirements are met. The role contributes to protecting the organisation, its clients and stakeholders by identifying, assessing and escalating financial crime, regulatory and operational risks, while supporting a high-quality and efficient client experience.

The role holder is expected to maintain a strong understanding of the regulatory framework relevant to their responsibilities and apply this knowledge appropriately in their day-to-day work. This includes adhering to applicable laws, regulations, regulatory guidance and internal policies, procedures and controls.

Key responsibilities:
New client and account onboarding workflows, including subsequent account openings, ensuring applications and internal documentation are complete and accurate. This includes completion and/or review of risk assessments, checklists, screening and other required searches.

Liaise with Intermediaries and Relationship Managers to obtain clarification or additional information required for new client onboarding and existing client reviews.

Careful review of trigger events ensuring client information and risk assessments are updated appropriately, data discrepancies or omissions are identified and addressed, escalation requirements are followed and reviews are progressed to completion in a timely manner.

Carrying out enhanced CDD for higher-risk and PEP relationships, working collaboratively with Relationship Managers and reviewers to ensure the appropriate information, due diligence and supporting rationale are obtained and documented, with matters escalated where required.

Support FATCA and CRS requirements for new and existing client relationships, including undertaking classification reasonableness checks and referring matters for further review where appropriate.

Undertake daily monitoring of overnight screening results as required.

Careful process of static data changes and account amendments.

Support Approved Introducer risk reviews, providing constructive feedback, identifying potential knowledge or training requirements and liaising with Relationship Managers where appropriate.

Actively support change and development within the team and look for areas/ideas for improvement. 

Identify and recommend improvements to processes, controls and documentation, helping to enhance efficiency, consistency, client experience and risk management across onboarding and client maintenance activities.

Essential criteria:

• Core skills
  Some exposure to management of regulatory risk in a large financial institution.
  •    Strong attention to detail delivering high-quality work always.
  •    Strong influencing skills that result in winning the co-operation of RMs and colleagues and maintaining the appropriate priority for regulatory matters.
  •    Excellent communications and presentation skills, to be able to inform and persuade both orally and in writing.
  •    Persistence, an eye for detail and ability to complete projects within specified deadlines.
  •    Able to operate independently and escalate appropriately with confidence. 
  •    Personal organisation and planning skills, proven time management skills with ability to meet deadlines.
  •    An inquisitive and enquiring mind.
  •    Challenging yet non-confrontational.
  •    Proficiency in using AI-enabled productivity tools, such as Copilot, to improve efficiency, generate insight and support decision-making. Applies critical thinking and sound judgement when interpreting outputs, remains accountable for the quality and accuracy of their work.

Knowledge
•    A detailed knowledge of the general tools and techniques of account opening, KYC/CDD processes and•    In depth knowledge required of corporate client structures to facilitate the collection of Customer Due Diligence and compliance with local regulatory requirements.
•    Detailed knowledge of FATCA and CRS requirements.
•    Knowledge of our organisation and the environment (e.g. regulatory, physical) in which it operates.
•    Actively considers the wider picture identifying patterns and connections between issues and situations that are not obviously related.
•    Logically breaks down problems and situations into their essential parts and draws reasonable conclusions based on their analysis. 
 all risk review processes.

Onboarding - Senior New Business & Risk Officer (14239)

To support and manage the effective onboarding and ongoing maintenance of client relationships, ensuring that appropriate customer due diligence, regulatory and internal requirements are met. The role contributes to protecting the organisation, its clients and stakeholders by identifying, assessing and escalating financial crime, regulatory and operational risks, while supporting a high-quality and efficient client experience.

The role holder is expected to maintain a strong understanding of the regulatory framework relevant to their responsibilities and apply this knowledge appropriately in their day-to-day work. This includes adhering to applicable laws, regulations, regulatory guidance and internal policies, procedures and controls.

Key responsibilities:
Manage and support the team with new client and account onboarding workflows, including subsequent account openings, ensuring applications and internal documentation are complete and accurate. This includes completion and/or review of risk assessments, checklists, screening and other required searches. 

Liaise with Intermediaries and Relationship Managers to obtain clarification or additional information required for new client onboarding and existing client reviews.

Provide Senior Onboarder sign off for both onboarding and trigger reviews ensuring client information and risk assessments are updated appropriately, data discrepancies or omissions are identified and addressed, escalation requirements are followed and reviews are progressed to completion in a timely manner.

Oversee and/or undertake enhanced CDD for higher-risk and PEP relationships, working collaboratively with Relationship Managers and reviewers to ensure the appropriate information, due diligence and supporting rationale are obtained and documented, with matters escalated where required.

Support the production and delivery of management information, including reporting to Business Heads, Compliance and Operational Risk on volumes, outstanding and ageing items, review activity and other relevant operational or risk indicators.

Support FATCA and CRS requirements for new and existing client relationships, including undertaking classification reasonableness checks and referring matters for further review where appropriate.

Support Approved Introducer risk reviews, providing constructive feedback, identifying potential knowledge or training requirements and liaising with Relationship Managers where appropriate.

Act as a subject matter expert providing guidance to colleagues and stakeholders and supporting business and change initiatives where relevant.

Support the development and cross-skilling of colleagues, sharing knowledge and providing practical guidance and training across relevant onboarding, CDD and review activities.

Identify and recommend improvements to processes, controls and documentation, helping to enhance efficiency, consistency, client experience and risk management across onboarding and client maintenance activities.

Essential criteria

Core Skills:

•    Exposure to management of regulatory risk in a large financial institution.
•    Strong attention to detail delivering high-quality work always.
•    Strong influencing skills that result in winning the co-operation of RMs and colleagues and maintaining the appropriate priority for regulatory matters.
•    Excellent people skills with experience of people management or deputising for team manager 
•    Excellent communications and presentation skills, to be able to inform and persuade both orally and in writing.
•    Persistence, an eye for detail and ability to complete projects within specified deadlines.
•    Personal organisation and planning skills, proven time management skills with ability to meet deadlines.
•    An inquisitive and enquiring mind.
•    Challenging yet non-confrontational.
•    Able to operate independently and escalate appropriately with confidence.
•    Proficiency in using AI-enabled productivity tools, such as Copilot, to improve efficiency, generate insight and support decision-making. 

Knowledge:

•    A detailed knowledge of the general tools and techniques of account opening, KYC/CDD processes and all risk review processes.
•    In depth knowledge required of corporate client structures to facilitate the collection of Customer Due Diligence and compliance with local regulatory requirements.
•    Detailed knowledge of FATCA and CRS requirements.
•    Knowledge of our organisation and the environment (e.g. regulatory, physical) in which it operates.
•    Actively considers the wider picture identifying patterns and connections between issues and situations that are not obviously related.
•    Logically breaks down problems and situations into their essential parts and draws reasonable conclusions based on their analysis.

Embedded in our culture is a sense of belonging and inclusion. At Investec we want everyone to find it easy to be themselves, and to feel they belong. It's a responsibility we all share and is integral to our purpose and values as an organisation. We believe that innovation thrives when everyone feels respected, included, and empowered to contribute.

We actively seek out diverse talent and foster an inclusive environment, encouraging applications from people of all backgrounds and experiences. Here, you'll find networks, benefits, and development opportunities designed to support your career journey, wherever it may lead.

Data Protection and Operational Tax Analyst – Guernsey (13993)

This role provides dedicated support to the Head of Data Protection & Operational Tax across each of the distinct areas of the function. The role holder assists with the day-to-day administration, monitoring, documentation and reporting activities that underpin data protection compliance, and operational tax obligations for Investec Bank (Channel Islands) Limited, operating under the direction and supervision of the line manager and escalating matters appropriately.

Data Protection Support

The role holder supports the Head of Data Protection & Operational Tax in the day-to-day administration of data protection compliance activities, helping to ensure that statutory obligations are met and that records and processes are kept up to date.

Key responsibilities – Data Protection Support

• Support the maintenance of the Bank's Register of Processing Activities, liaising with business units to gather and update information.
• Assist with the logging, triage and progression of Data Subject Rights Requests, helping to ensure responses are provided within legal timelines.
• Support the administration of Data Protection Impact Assessments, including gathering information from stakeholders and maintaining assessment records.
• Support the onboarding of third parties in line with Investec policy.
• Help maintain data protection policies, procedures, guidelines and training materials, escalating proposed changes to the line manager.
• Support the delivery and coordination of data protection training and awareness activities across the Bank.
• Assist with the logging and initial triage of reported data incidents, escalating potential breaches to the line manager promptly.
• Maintain accurate records of data protection matters to support reporting to Senior Management and the Board.
• Undertake any other supporting duties relating to data protection as required by the Head of Data Protection & Operational Tax.

Operational Tax Support

The role holder supports the Head of Data Protection & Operational Tax with administrative and coordination activities relating to the Bank's FATCA, CRS and QI reporting obligations, and with new client take-on and existing client maintenance from an operational tax perspective.

Key responsibilities – Operational Tax Support

• Support the timely collection of Trust and Corporate tax information and self-certification forms and help coordinate updates to the Bank's client static data.
• Assist with FATCA and CRS classification checks and supporting documentation for the Operational Tax team and other areas of the Bank.
• Support the preparation of FATCA and CRS returns for the Guernsey and Jersey businesses in advance of annual deadlines.
• Assist in monitoring tax policy and regulatory developments and flag potential operational tax implications to the line manager.
• Support the review of W-8 documentation in the TCSP space for trading in US source assets, under the guidance of the line manager.
• Help create and maintain operational tax process and procedure documentation, supporting periodic review as required.
• Assist with client communication regarding annual tax reporting.
• Support the Head of Data Protection & Operational tax and key business stakeholders in the preparation of annual 1042 and 1042-S Qualified Intermediary returns.
• Undertake any other supporting duties relating to operational tax as required by the Head of Data Protection & Operational Tax.

Key responsibilities – Operational Risk Support

• Provide any support and assistance to the wider operational risk function as required by the Head of Operational Tax.

Core Skills & Knowledge:

Education

• Working towards, or holding, relevant qualifications in data protection, tax, compliance, risk or financial services is advantageous, but not necessary.

Experience

• Prior exposure to data protection, compliance, legal, operational tax or risk administration, preferably within financial services.
• Exposure to supporting regulatory, risk management or tax reporting processes is advantageous.
• Experience working with structured processes, checklists or controls in a regulated environment is beneficial.

Technical Skills

• Basic understanding of data protection legislation and compliance requirements.
• Basic understanding of QI, FATCA and CRS tax regimes and their reporting requirements.
• Familiarity with client structures and Customer Due Diligence requirements is useful.
• Good IT skills, including MS Office.
• Proficiency in using AI-enabled productivity tools, such as Copilot, to improve efficiency, generate insight and support decision-making. Applies critical thinking and sound judgement when interpreting outputs, remains accountable for the quality and accuracy of their work.

Analytical Skills

• Good attention to detail with the ability to follow processes accurately and identify anomalies or gaps.
• Ability to organise and interpret information clearly to support the line manager's decision-making.

Communication and Stakeholder Management

• Good written and verbal communication skills, with the ability to convey information clearly and accurately.
• Ability to build effective working relationships with colleagues across Relationship Teams, Operations, Compliance and Operational Risk.
• Comfortable escalating issues and queries to the line manager in a timely and appropriate manner.

Personal Attributes

• High ethical standards and integrity when handling sensitive information.
• Proactive and willing to learn, with the ability to work well under supervision while building towards greater independence.
• Strong personal organisation, planning and time management skills, with the ability to manage competing priorities and meet deadlines.
• Team player with strong collaboration skills, able to support distinct areas of responsibility within a single role.

Technical Business Analyst (13805)

Location

Guernsey

Department

IBCI Digital and Technology

Division

Guernsey

Employment Type

Full time

Salary

Competitive

Investec – Where Out of the Ordinary Happens

Who we are?
At Investec, we do things differently. We're a leading international bank and wealth manager built on a culture of curiosity, entrepreneurial spirit and human connection. Ideas are heard, ambition is celebrated, and impact is encouraged. As part of a team that challenges convention and strives for outperformance, you'll help shape bold solutions for clients who expect something more than the ordinary.

Role Profile

Description of role and key responsibilities:

Investec Bank Channel Islands – Digital and Technology
We are the Digital and Technology team at Investec Bank (Channel Islands) Limited—a dynamic and diverse group of analysts and engineers who thrive on variety and close collaboration with our business partners. We work as an integrated team, combining deep technical expertise with a strong understanding of the business to deliver meaningful outcomes.
We are responsible for the development and support of the core technology platforms that underpin the bank and enable our clients' day-to-day interactions with Investec. As part of a significant modernisation and re-platforming programme, we are transforming our technology landscape to be more resilient, scalable, and fit for the future.

This transformation presents a genuine opportunity to simplify how our clients do business with us, improve user experiences, and design innovative solutions to complex problems. For those joining the team, this is a chance to have real influence—helping to shape our platforms, ways of working, and the future direction of technology at Investec Bank Channel Islands, and to be part of something we can collectively be proud of.

The role:
The Technical Business Analyst acts as a critical bridge between business stakeholders, product owners, and engineering teams in the delivery of core banking platforms and surrounding banking services. The role combines deep banking domain knowledge with strong technical analysis skills to ensure that functional requirements are translated into scalable, secure, and compliant technical solutions.

This role will support core banking transformation, new product launches, regulatory change, and integration with payments, digital channels, and downstream systems.

Key responsibilities:

Business & Domain Analysis
•    Elicit, analyse, and document business requirements related to core banking domains.
•    Translate regulatory, operational, and product requirements into clear functional specifications.
•    Act as a subject matter expert on banking processes, product behaviour, and lifecycle events.

Technical Analysis & Solution Design
•    Convert business requirements into detailed technical requirements, including:
      o    API contracts (REST/JSON, event schemas)
      o    Data models and mappings
      o    Integration flows and sequencing
•    Work closely with solution architects to:
      o    Validate architectural decisions
      o    Ensure alignment with target-state core banking architecture
•    Support design of integrations between:
      o    Core banking systems
      o    Payment engines 
      o    Digital channels and middleware
      o    Data platforms and regulatory reporting systems

Delivery & Agile Collaboration
•    Collaborate with Product Owners to refine epics, features, and user stories.
•    Write clear, testable user stories with acceptance criteria that reflect both business and technical needs.
•    Support sprint ceremonies (backlog refinement, sprint planning, demos).
•    Clarify requirements for development teams during implementation and testing phases.

Data & Migration Support
•    Support data migration and data quality activities, including:
      o    Legacy-to-target data mapping
      o    Validation rules
      o    Reconciliation logic
•    Assist with defining cutover and transition requirements during core banking migrations. 

Testing & Validation
•    Define functional and integration test scenarios.
•    Support SIT, UAT, and operational readiness testing.
     o    Validate that delivered solutions meet:
     o    Business requirements
     o    Regulatory obligations
     o    Non-functional requirements (performance, resilience, auditability)

Stakeholder & Vendor Engagement
•    Act as a key interface between:
     o    Business users
     o    IT and engineering teams
     o    External vendors (core banking providers, payment processors, system integrators)
•    Challenge vendor solutions constructively to ensure fit-for-purpose outcomes. 

Documentation, Knowledge Transfer & Operational Handover

•    Ensure concise, accurate documentation describing system behaviour, integrations, data impacts, and key business rules.
•    Conduct clear walkthroughs and knowledge transfer sessions with Technical Operations and Application Support teams.
•    Support effective handover to BAU, ensuring support teams understand processing flows, dependencies, and common exception scenarios.

Essential Criteria

Qualifications & Certifications

•    Bachelor's degree in:
      o    Computer Science, Information Systems, Engineering, Finance, or a related discipline
      o    or equivalent professional experience in financial services technology

•    Business Analysis Certification, such as:
     o    IIBA CBAP® or CCBA®
     o    Diploma in Business Analysis

•    Agile Certifications such as:
     o    Certified Scrum Product Owner (CSPO)

Core Skills and Knowledge:

•    Banking & Financial Services Experience
     o    5+ years' experience as a Business Analyst or Technical Business Analyst in financial services.
     o    Strong hands-on experience with core banking platforms (e.g., Temenos, Mambu, Thought Machine, Finacle, TCS BaNCS, Flexcube, or equivalent).
     o    Solid understanding of banking products and accounting principles.
     o    Experience supporting regulatory change and compliance-driven initiatives.

•    Technical Skills

       •    Strong understanding of:
             o    API-driven architectures
             o    Microservices and event-based integration
             o    Data models and relational databases
       •    Ability to read and interpret:
             o    API specifications (Swagger/OpenAPI)
             o    Sequence diagrams
             o    Data schemas
       •    Familiarity with cloud-based architectures (AWS, Azure, GCP) is highly desirable.

•    Delivery & Methodology
     o    Experience working in Agile / Scrum environments.
     o    Comfortable working in large-scale transformation or multi-year core banking programs.
     o    Strong documentation and communication skills.

•    Personal Attributes
     o    Strong analytical and problem-solving mindset.
     o    Able to challenge assumptions while remaining collaborative.
     o    Comfortable operating in complex, regulated environments.
     o    Able to balance detail with big-picture thinking.
     o    Proactive, resilient and delivery focused.

Embedded in our culture is a sense of belonging and inclusion. At Investec we want everyone to find it easy to be themselves, and to feel they belong. It's a responsibility we all share and is integral to our purpose and values as an organisation. We believe that innovation thrives when everyone feels respected, included, and empowered to contribute.

We actively seek out diverse talent and foster an inclusive environment, encouraging applications from people of all backgrounds and experiences. Here, you'll find networks, benefits, and development opportunities designed to support your career journey, wherever it may lead.

If this role excites you but you don't meet every requirement, we'd still love to hear from you. Your unique perspective and experience could be exactly what we are looking for.  Get in touch!

At Investec, we're deeply invested in our clients, our colleagues, and our communities. It's more than a mindset; it's how we show up every day.

Be part of something Out of the Ordinary.

Corporate Product Associate

Hours: Full Time

Contract type: Permanent

Location: Guernsey or Jersey

Overview

We're looking for a Corporate Product Associate to join our Commercial team in either Guernsey or Jersey.

This varied role combines product management, commercial analysis and corporate banking support. You'll help develop and manage savings, mortgage and corporate banking products, coordinate product and pricing changes, support commercial decision-making and deliver excellent service to corporate banking clients.

Working closely with teams across the business, you'll play an important role in ensuring products remain competitive, compliant and aligned to customer needs while supporting the delivery of business growth objectives.

Key Accountabilities

• Support the development, implementation and ongoing management of savings, mortgage and corporate banking products.

• Assist with pricing, forecasting, liquidity management and performance analysis.

• Coordinate product launches, pricing changes and customer communications across relevant systems and channels.

• Support product governance activities, including approvals, reviews and documentation.

• Gather customer, market and competitor insights to help shape future propositions.

• Deliver exceptional support to corporate banking clients, ensuring instructions and requests are completed accurately and efficiently.

• Maintain a strong focus on risk, regulatory compliance and customer outcomes.

• Identify opportunities to improve processes, customer journeys and operational efficiency.

Requirements

Essential

• Experience in a banking, financial services or client support environment.

• Excellent communication and relationship-building skills.

• Strong numerical, analytical and problem-solving abilities.

• High attention to detail and good IT skills.

• Customer-focused approach with a commitment to delivering excellent service.

• Understanding of risk, compliance and regulatory responsibilities.

• Knowledge of savings and mortgage markets.

Desirable

• Experience in product development, product management or proposition support.

• Knowledge of pricing, forecasting or commercial analysis.

• Strong Microsoft Excel and data analysis skills.

• Experience within banking, trust or wider financial services sectors.

• Knowledge of savings and/or mortgage products.

Manager - Financial Planning & Analysis (13799) – Guernsey / Jersey

Description of role and key responsibilities:

The role:

The Financial Planning & Analysis (FP&A) Manager is responsible for leading the Bank's financial planning, forecasting and performance management activities, providing insightful analysis and commercial support to enable informed decision-making across the business.

The role is also responsible for the preparation and submission of financial and regulatory reporting to the South African Reserve Bank (SARB), ensuring submissions are accurate, timely and compliant with Group reporting requirements.

Working closely with senior stakeholders across the Bank, the role will develop high-quality management information and business insights to support the delivery of the Bank's strategic objectives.

Key responsibilities:

Financial Planning & Forecasting
•    Lead the annual budgeting process across the Bank. 
•    Lead the Bank's monthly forecasting process and longer-term financial planning.
•    Develop and maintain robust financial models to support planning and decision-making. 
•    Challenge assumptions and provide independent analysis of business forecasts. 
•    Monitor forecast accuracy and identify opportunities to improve the planning process. 
•    Support development of the Bank's strategic and financial plans.

Performance Reporting & Analysis
•    Produce monthly Team and Executive & Board financial performance reporting. 
•    Analyse performance against budget, forecast and prior year, identifying key financial drivers and emerging trends.
•    Provide commentary on key business drivers, emerging trends and financial risks. 
•    Develop and enhance management information, KPIs and performance metrics. 
•    Deliver forward-looking insight to support commercial decision-making. 
•    Identify opportunities to improve profitability, efficiency and returns. 

Business Partnering
•    Act as a trusted finance partner to business leaders.  
•    Provide financial analysis to support pricing, product development and business growth. 
•    Challenge financial assumptions and promote sound commercial decision-making. 
•    Build strong relationships across business functions. 

South African Reserve Bank (SARB) Reporting
•    Prepare and submit all financial and regulatory returns required by the South African Reserve Bank. 
•    Ensure submissions are accurate, complete and delivered within regulatory deadlines. 
•    Perform reconciliations between SARB returns, management information and financial records. 
•    Liaise with Group Finance and other stakeholders regarding SARB reporting requirements. 
•    Maintain appropriate documentation, controls and governance over SARB reporting processes. 
•    Monitor regulatory reporting developments and implement changes where required. 
•    Support internal and external audit reviews relating to SARB reporting. 

Continuous Improvement
•    Identify opportunities to simplify and improve Finance processes. 
•    Drive efficiencies through automation and standardisation. 
•    Contribute to Finance transformation initiatives.
•    Support development of best practice financial planning and reporting.

Essential Criteria 

Core Skills and Knowledge:

Essential
•    Qualified Accountant (ACA, ACCA, CIMA or equivalent). 
•    Experience in Financial Planning & Analysis. 
•    Strong financial modelling and analytical capability. 
•    Advanced Microsoft Excel skills. 
•    Experience of producing Board & Executive level reporting. 
•    Excellent written and verbal communication skills. 
•    Strong stakeholder management and business partnering capability. 
•    High attention to detail and commitment to data quality. 

Desirable
•    Banking or financial services experience. 
•    Knowledge of South African Reserve Bank (SARB) reporting. 
•    Experience using Power BI or similar business intelligence tools. 
•    Understanding of banking profitability, capital and liquidity metrics. 
•    Experience of financial planning systems and ERP solutions.