Alice Ge Email & Phone Number

Sydney, Nsw, Au

Sydney, New South Wales, Au

Second line regulatory compliance, supporting QBE's Australia Pacific business.Specialising in regulatory engagements and regulatory change.

London, Gb

Second line compliance advisory for Wealth and Personal Banking (WPB).1) Advising all parts of the retail bank on regulatory compliance matters, especially: - Financial services laws – National Consumer Credit Protection Act; Corporations Act; credit reporting, breach reporting, consumer data right. - ASIC licences and regulatory guides – AFS and credit licensing; advertising financial products; debt collection; DDO. - APRA Prudential Standards – outsourcing; credit risk management. - Industry codes – Banking Code of Practice; ePayments Code. - Internal policies – cross border; conflict of interest. 2) Leadership – Stepped up to be the interim team leader for approx 6 months after the Head of WPB Compliance Advisory left the organisation (4 direct reports). Before that, I supported the Head of WPB Compliance Advisory by: - Developing and mentoring junior team members to build their technical skills; - Reviewing work and providing coaching and feedback to junior team members and Centre of Excellence teams; - Interviewing candidates for vacancies in Compliance. 3) Regulatory change – Compliance lead for the Design and Distribution Obligations (DDO) and financial hardship reporting projects.4) Regulatory inquiries – lead stakeholder management to obtain and consolidate information into a cohesive response.5) Oversee issue management, and risk and control assessments.6) Compliance support for HSBC Asset Management in Australia.

London, Gb

Second line regulatory compliance advisory for Wealth and Personal Banking.1) Compliance advice and challenge to support business activities: - Growth and transformation e.g. new mortgage broker groups, propositions, outsourcing; - Disputes, potential breaches, and customer remediation, - Debt collection process changes during COVID-19.2) Regulatory change – Compliance lead for DDO and RG 209 Responsible Lending projects.3) Credit Licence – prepare the annual compliance certificate; ensure licensing obligations are satisfied.4) ASIC inquiries – engage with stakeholders to obtain information and prepare responses.5) Incident management, obligations register review, risk and control mapping.

Sydney, Nsw, Au

Dedicated product governance specialist for Home Ownership Product and the Mortgage Value Chain.1) Key contact in Consumer Bank for the DDO regulatory change project.2) Product governance and non-financial risk management - work with senior leaders to operationalise the new value chain oversight and governance framework. 3) Driving the implementation of the refreshed Group Product & Service Lifecycle Policy, and championing robust product governance practices across the mortgage business.4) Assess the impact of new laws / regulatory guidance, and advise on potential gaps or actions to ensure compliance e.g. DDO and APRA's report on Culture, Governance and Accountability.5) Advocate and give feedback as part of consultation working groups (for regulatory and policy changes). 6) Deliver the updated Master Product List for Home Ownership and obtain committee endorsement.

Sydney, Nsw, Au

Product governance for Consumer Bank Product (Home Ownership, Deposits & Unsecured Lending).1) People leader for the Product Governance Manager.2) Prepare briefing notes and reports for senior leaders on key risk and compliance matters, including customer remediation.3) Secretary for the Consumer Bank Product Governance Committee.4) BEAR - engage with key stakeholders to create and maintain the Operational Plan for the Consumer Bank division. Coordinate requirements for the Westpac BEAR Accountable Person attestation.

New Zealand, Nz

First line risk and compliance – supported Product, Digital, Marketing and Analytics. 1) Advise and support the business on various matters to ensure compliance with Westpac’s policies and frameworks as well as regulatory obligations. 2) Customer remediation – coordinate with stakeholders to remediate incidents, including facilitating customer communications and refunds.3) Risk and control activities – oversee incident and issue management; coordinate attestations to support compliance with RBNZ Conditions of Registration; facilitate risk and control assessments; compliance plan reviews; business continuity plan reviews. 4) Leadership – provide guidance and coaching to the team’s Analyst.

New Zealand, Nz

Second line regulatory compliance – supported all business units across Westpac NZ. - Manage compliance reporting and maintain key registers.- Manage the RBNZ Conditions of Registration compliance plans and coordinate Conditions of Registration attestations.- Review obligation sets and working with all business units to update and streamline compliance plans.- Monitor customer complaints for breaches of the Financial Advisers Act.- Prepare and lodge NZX disclosures in relation to substantial share holdings. - Assist in the management of compliance frameworks, policies and processes.- Research work for newly enacted laws.

Auckland, Nz

Fortune Manning is a long-standing provider of legal services in Auckland. It is a mid-sized firm and traces its origins back to the 19th Century. In 1971 two practices amalgamated to become Fortune Manning. As a Solicitor in the Private Client team, I advised clients and attended to asset protection matters, including succession planning, trusts and estates, company incorporation, and property sale and purchase. I also assisted the Litigation team with discovery in relation to earthquake insurance litigation.

Gb

External audit for banking and financial services clients (retail banks, KiwiSaver and superannuation funds, fund manager, insurance, personal finance).

Worldwide, Oo

Completed rotations with the National Tax Team and the Corporate Tax Team

[Extracurricular activity at The University of Auckland]Beta Alpha Psi is an international honorary organisation for financial information students and professionals. Working with my executive team, I implemented the Auckland Chapter's vision, organised events and contributed to strategic planning, event planning and member recruitment.

Gb

Gb

AchievementsDuring my internship, my work led to the discovery of employee fraud. I was on the year-end audit of a listed New Zealand company, which operated several branches across the country and, at that time, had a turnover of over $70 million. My tasks included the testing of cash reconciliations. While I was examining my sample of cash reconciliation reports, I noticed that several deposits were taking an unusually long time to be credited into the bank account. I understood that cheques may take three working days to clear, but these deposits have been pending for weeks and months. I discussed this anomaly with my manager. It was agreed that further investigation and discussion with the client was necessary. After I had completed additional testing, it became clear that the long time pending deposits had been an issue for some time. The matter was escalated and it was discovered that a branch manager had been taking deposits for personal use. Because my team were impressed with my attention to detail and work ethic, I was placed on this particular client’s audit again the following year.