Alain Hecq Email & Phone Number

Région De Bruxelles , Belgique

1- Analyze the agent's productions applying Macros and reading unusual patrons in order to prepare and plan the audits.2- Perform the compliance audits to agents in order to ensure they have performed every duty with the purpose of remain in accordance with the local regulator bank of Belgium, the FIU (finance intelligence unit), the Ria Payment Institution compliance manual and the internal procedures/standards applied within the Company. Actively observes and questions during audit activities and, when necessary, provides training to agents in those areas where he/she is not aware of his/her obligations.3- Document all positive and negative information discovered and, in the event that an agent is not compliant, makes the recommendations as to what must be done to become compliant. 4- Additionally, schedules a future audit to monitor the agent's progress. If it is still non-compliant, the auditor will escalate the issue to senior management (local compliance officer, country manager, sales manager).5- Drafts the appropriate reports in order to document the begin analysis supporting applicable SARS and agents closures.6- Maintains the compliance database of observations for quality analysis and assessment and identifies compliance risks7- Keeps abreast of regulatory requirements and develops AML training programs to reinforce the knowledge and ensures the good practice of the agents8- Visit the Ria agencies in order to trained the tellers in customers identifications, limits and compliance procedures

Brussels

COMPLIANCE:- Regular second-level controls to identify violations of the rules by:- Monitoring of compliance with procedures by the operational departments and the implementation of primary controls- Verification of compliance by staff, transaction rules for its own account, and more generally the Code of Ethics- Reporting to management and the supervisory authority- Advice to the direction for the development of new products and ensure that all measures to prevent the risk of non-compliance have been identified- Advice to management of the company on the implementation of regulations- Staff training on all relevant topics. Formation of any new entrant in society and explain the ethical rules. Repeat this information to all staff at every regulatory changes- AML Responsible and ensure that procedures in this area and their compliance with those- Sole Correspondent of the supervisory authorities, and as such provide them periodic activity reports - Establishing sufficient resources related to the scope of tasks, including ad-hoc computer tools- Identification of information sharing with the legal department and internal control and implementation mechanisms for cooperation- Audit of Delegation of powers chains, analysis of conflicts of interest, establishment of risk mapping and traceability information. Identify areas and people exposed, mechanisms and issues, checkpoints and the required reporting- Audit officers to assess compliance with the regulations put in place: assessing the quality of work, identification of gaps, agent evaluation report, implementation of corrective measures, or even exclusion- Transversely Interaction with different functions and directions- IT consultancy: fine-tuning the AML information-gathering process

Brussels

MLRO- Sole contact of the Belgian Banking, Finance and Insurance Commission/F.S.M.A. (regular BFIC approval and preparation for inspections; monitoring and improvements based on its recommendations)- Sole contact of the Belgian Financial Intelligence Processing Unit (FIPU) and judicial authorities (police and public prosecution service) for client searches in the database (+/- 200 a month) and close collaboration with a view to resolving suspect cases- Investigation of suspected cases of money laundering and sending of reports to the FIPU (1st and 2nd line) - Monitoring of future transactions by suspect customers and provision of additional information- Cooperation with the judicial authorities in the event of confirmation of suspicious cases- Sending of monthly reports to the BFIC and centralisation at the European level (SIGUE UK)- Training of 50 agents in international money laundering issuesMAIN ACHIEVEMENTS:- 10-fold increase in turnover between 2004 and 2010- Building and management of the network of agents (from 7 to 55)- Maintaining the profitability of the Belgian subsidiary, which has remained one of the most profitable of the 140 countries over the past 2 years- Improving fraud prevention and control through IT reform and the adoption by the global network of certain Belgian standards- Updating and reporting of 2 major cases: drug trafficking via the internet (Morocco) and car smuggling between Ivory Coast and Belgium

Brussels

In charge of money laundering prevention / internal audit / Compliance Officer- Training of employees (40) in fraud identification, prevention and control- Implementation of reporting methods, procedures and IT tools- Close and active collaboration with the FIPU, BFIC and judicial authorities - Preparation of suspicion reports, monitoring of suspicious customers and drafting of additional reports (Law of 11/91.1993)- Ensuring the strict application by all staff of Belgian legislation on international remittances (Compliance)- Sole contact for BFIC audits: Monitoring and improvements based on its recommendationsMAIN ACHIEVEMENTS:- Close collaboration with the federal police with a view to resolving a case of money laundering and human trafficking (involving 200 people: 170 victims and 30 accomplices)- Substantial improvement of the quality of the CBFA audit report (2002 report: 50 pages - 2004 report: 6 pages)- Establishment of a relationship of trust between Europhil and the CBFA inspectors- 3-way negotiation with the CBFA and CTIF concerning different types of identity documents to achieve harmonisation- Negotiations with the CBFA to allow the scanning of identity documents

Brussels

- Insurance: motor - family - fire - pension – investment- Management of the personal insurance market - portfolio of 4,000 customers (senior advisor in dealings)- Training of branch employees in new and existing products- Chairing of review meetings with the insurance managers of other branches (8 to 28 people)- Maintenance and development of a market-specific sales force - Supervision and motivation of the team - development of the insurance sales approach- Monitoring and implementation of compliance rules in preparation for internal inspections