Ruya Bank Careers in UAE offer exciting opportunities for professionals looking to grow in the banking and finance sector. With competitive salaries and a strong focus on employee development, Ruya Bank is a leading employer in the UAE. Explore the latest job openings at Ruya Bank UAE and take the next step in your career in banking.
Ruya Bank Careers Uae
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1- Customer Experience & Operations Specialist (Emiratization)
The Customer Experience & Operations Specialist’s primary responsibility is to provide an outstanding experience to ruya customers, by supporting Customer Service and Operations teams. They will interact with customers across a variety of channels (primarily digital, but also in the Community Centre), handle back-end processes, and take end-to-end ownership for helping our customers.
Key responsibilities:
Drive customer satisfaction through exceptional service. Deliver resolution to requests and issues through a variety of channels, by actively listening to understand the customer’s needs.
Take full ownership of providing resolution to customers
De-escalate situations involving dissatisfied customers, offering assistance and support with service recovery to clients if needed.
Ensure strong accuracy and efficiency while handling back-office processes
Develop a strong, value-added relationship with current and prospective customers by engaging in conversations that uncover their current and future financial needs.
Increase customer satisfaction scores by consistently providing top-notch service that anticipates, and resolves needs seamlessly.
Achieve customer loyalty as a key driver of sustainable growth, through client retention policy and tools.
Striving for continuous learning and development to enhance skills and knowledge and attend assigned trainings.
Supporting the bank’s growth and scaling by participating in customer journey and process development, product and feature launches and systems enhancements
Handling customers from all segments (including VVIP) for support on all products and offerings.
Support a secure and ethical culture at Ruya, actively participate in all dual-control functions and uphold the code of conduct, ensuring transparency and risk mitigation.
Job Requirements:
Graduate with Bachelors degree
Internship / work experience is strongly preferred
Possesses excellent oral and written communication skills, sales and customer service skills.
Demonstrates meticulous attention to detail and troubleshooting abilities.
Exhibits strong interpersonal skills and exceptional organizational skills.
Demonstrates effective problem-solving abilities and ownership capabilities
2- Data Specialist (Emiratization)
Data Specialist will be responsible for overseeing data monitoring, reporting, and delivering actionable analytics solutions across all business lines to drive measurable value for Ruya. This role requires close collaboration with Business and IT stakeholders to ensure that all reporting activities are accurate, consistent, and aligned with ruya’s strategic roadmap.
Key responsibilities:
Analyse complex data sets using statistical techniques, delivering ongoing business reports and identifying emerging trends and patterns.
Monitor performance metrics and quality assurance plans to pinpoint areas for operational improvement.
Proactively explore business challenges, identifying and defining new opportunities for process enhancement.
Partner with management to align and prioritize business and information needs based on strategic goals.
Collaborate with business units to shape comprehensive data use cases for analytical initiatives.
Engage with IT teams and data custodians to understand data structures and sources across multiple databases.
Job Requirements:
University degree, professional certification, or similar qualification
Bilingual (Arabic/English) a strong advantage
At least 3 years of experience in Banking and Financial Services Industry.
Excellent communication, interpersonal, and Design Thinking / Analytic / Statical skills are required.
Microsoft Office (Word, Excel, and PowerPoint).
Familiar with BI / Tableau, Data Visualization Tools.
Exposure to banking transactions.
Understanding of local/International and UAE Central Bank rules and regulatory requirements.
Understanding of banking systems, reports, and workflows.
Ability to work under pressure and targeted deadlines.
3- KYC Specialist
The KYC Specialist is responsible for ensuring robust compliance with Know Your Customer (KYC), Customer Due Diligence (CDD), and Anti-Money Laundering (AML) regulations for UAE Central Bank . The role focuses on conducting thorough due diligence for onboarding new clients, particularly high-risk customers, monitoring existing relationships, and mitigating risks related to money laundering, terrorist financing, and sanctions. The specialist will leverage digital tools and technologies to streamline onboarding processes while ensuring adherence to UAE Central Bank regulations and best international practices.
Main Duties and Responsibilities:
Customer Onboarding and KYC Compliance:
Perform KYC reviews for new-to-bank clients, including individuals, corporates, and high-risk entities such as Politically Exposed Persons (PEPs) or clients from high-risk jurisdictions.
Verify customer identities, beneficial ownership, and source of funds/wealth using reliable documentation and digital verification tools.
Ensure all KYC documentation complies with UAE Central Bank guidelines, Financial Action Task Force (FATF) standards, and internal policies.
Review & approve account opening requests, ensuring completeness of KYC forms and adherence to AML/Counter-Terrorist Financing (CFT) requirements.
Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD):
Conduct CDD and EDD for high-risk clients, including those in industries prone to financial crime (e.g., cryptocurrency, international trade) or with complex ownership structures.
Analyze customer risk profiles, assess sanctions/PEP screening results, and escalate high-risk cases to senior management or the Money Laundering Reporting Officer (MLRO).
Perform ongoing monitoring of client accounts to detect suspicious activities or changes in risk profiles, ensuring compliance with perpetual KYC frameworks.
High-Risk Onboarding:
Act as the point of escalation for high-risk client onboarding, providing advisory support to relationship managers and the onboarding team.
Conduct in-depth investigations using advanced research tools, public records, and global sanctions lists to assess risks associated with high-risk clients.
Develop and implement risk-based strategies for onboarding high-risk clients, including determining acceptable risk levels and mitigation measures.
Regulatory Reporting and Risk Mitigation:
Investigate and document suspicious transactions, preparing Suspicious Transaction Reports (STRs) for submission to the UAE Central Bank via the MLRO.
Respond to Requests for Information (RFIs) from correspondent banks and address queries related to AML, KYC, and sanctions.
Recommend and execute de-risking strategies, including account closures or fund freezes, for clients flagged for AML/KYC violations.
Process Optimization and Digital Integration:
Leverage digital banking platforms and KYC/AML technologies (e.g., AI-driven screening tools, blockchain analytics) to streamline onboarding and monitoring processes.
Collaborate with IT and operations teams to perform system testing and maintenance for KYC/AML systems, ensuring seamless integration with digital banking workflows.
Contribute to the development and enhancement of CDD frameworks, policies, and risk assessment models tailored to a digital banking environment.
Stakeholder Collaboration and Advisory:
Provide strategic guidance on KYC/AML policies, account opening procedures, and regulatory requirements to internal stakeholders.
Participate in compliance forums and training sessions to stay updated on regulatory changes and emerging AML/CDD risks in the UAE and globally.
Record Keeping and Reporting:
Maintain accurate and up-to-date records of KYC/CDD processes, risk assessments, and onboarding decisions in compliance with regulatory and internal standards.
Update Management Information Systems (MIS) and dashboards for tracking onboarding statuses, risk ratings, and compliance metrics.
Support audits and regulatory inspections by providing comprehensive documentation and reports
Job Requirements
5-8 years of experience in KYC, AML, or compliance roles within banking or financial services, preferably in a digital banking or fintech environment.
Bachelor’s degree in finance, Business, Law, or a related field. Professional certifications such as CAMS (Certified Anti-Money Laundering Specialist) or ICA Diploma in AML/KYC are highly desirable.
Strong background in onboarding high-risk clients, including PEPs, correspondent banking, MSBs, crypto, and complex corporate structures.
Experience dealing with regulatory bodies such as CBUAE, SCA & other UAE regulatory bodies.
Strong knowledge of UAE AML/CFT laws, FATF recommendations, and international compliance standards.
Proficiency in using KYC/CDD software, screening tools (e.g., World-Check, Refinitiv, LexisNexis), and transaction monitoring systems.
Ability to analyze complex ownership structures and beneficial ownership details.
Strong analytical and problem-solving skills.
Excellent communication and stakeholder management abilities.
Detail-oriented, proactive, and capable of handling high-pressure situations.
Ability to work independently while ensuring collaboration across teams.
Proficiency in English. Arabic as a strong advantage
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