Managing and facilitating of high risk customer approval process, providing SME guidance to ECDD and risk mitigation, remediation.

- Responsible for 2LoD global AML/Sanctions policy implementation, HSBC NZ Risk Assessment and AML/CTF Compliance Program update and finalisation;- Secretariat to the country Financial Crime Risk Management Committee governance forum;- Key support for AML regulator site visits and independent audit and achieved positive outcomes. - Provided SME advice and oversight to all business segments and their advisory functions.

Managing the implementation of HSBC's global AML/CFT and FATCA compliance programme in HSBC NZ Corporate Banking as well as supporting local compliance of NZ AML/CFT Act and regulations. - Review and implementation of the enhanced global AML/CFT and FATCA policies and business procedures designed for HSBC global branches and entities, in support of HSBC's extensive range of global client types and products offering channel. - Drive the gap analysis of the organizational design relating to CDD responsibilities allocation to support the implementation of a more efficient operating model to carry out auditable end to end CDD process.- Review, draft and implement department instructions procedures covering the whole lifetime of business relationship including KYC, screening before on-boarding and on-going account servicing. HSBC is committed to enhanced standards introduced globally covering regulators guidance where its business has a touch point on. For Asia Pacific the key group of regulations include Hong Kong Monetary Authority Guidance, NZ regulatory requirements including guidelines issued by Reserve Bank New Zealand. - Supporting the development of AML risk rating model for customers.- Driving the FATCA classification project for all existing Corporate Banking customers. Main Achievements: - Managed the successful delivery of a key CDD remediation program and provided quality assurance to ensure satisfactory outcome. The project was then reviewed by independent auditor and received nil negative finding. - In managing the implementation of the global AML/CFT compliance programme in local operation, all milestones were within the required timelines with high standards.

Identifying key statutory and regulatory obligations under key legislation touching Westpac's banking business, and regulatory obligations under the conditions of registration issued by the RBNZ.Design and implementation of compliance program/compliance policies/compliance training to meet obligations arising under various legislation touching Westpac’s business. Key projects include:• Design and implementation of Open Bank Resolution compliance plan for Westpec;• Implementation, review and monitoring of the compliance program for Financial Advisers Act (came into force July 2011) and its related legislation, regulations and codes. • Drafting and reviewing of the FA Act training module, and supporting guidelines and processes. Educating and assisting various front-line business units of the bank on processes and documents to be put into place as part of the compliance program. • Building Insurance (Prudential Supervision) Act obligation library.• Working with the frontline business units to identify key compliance requirements and put into place compliance plans in response to emerging legislation and/or changes to existing legislation or regulations that touch on the bank’s business.• Involvement in significant compliance projects including AML, FATCA.• Reviewing and drafting bank wide compliance policy structure and individual compliance policies including Product Development Lifecycle Policy review, FA Act compliance policy review, Customer Contact Policy review etc. • Providing on going compliance advice to business units and first line compliance on legislative and regulatory obligations and completing incident assessment and resolution.

Providing compliance monitoring and litigation support to perform the Commission’s enforcement functions under the Credit Contracts and Consumer Finance Act 2003 (fully came into force in April 2005) and the Fair Trading Act 1986:- Project managed investigations into financial institutions ranging from major banks to smaller financiers offering consumer credit and consumer credit insurance products;- Interviewed, engaged and negotiated with business with the short term goal to deal with specific breaches, as well as a long a long term view to build rapport and on-going relationship to promote good compliance culture; - Reviewed, reported and recommended enforcement actions at the conclusion of investigations to the stakeholders in line with the alleged breaches based on the enforcement criteria and other policies within the Commission. - Followed up on the enforcement actions to work with the business to ensure the alleged breaches were rectified effectively through the procedures put in place, monitored and addressed potential issues that could arise to provide assurance of compliance. - Participated in providing input to the Commission’s submissions to Ministry of Economic Development and Ministry of Consumer Affairs in support of their review of consumer protection legislation.

Based in the head office in Auckland, New Zealand with responsibility in servicing the overseas branches in Shanghai, Hong Kong and Malaysia:- Reviewed financial product documentations in line with securities and financial legislation in the relevant overseas jurisdictions, with support and advice from local legal advisers. - Drafted and reviewed financial product documentations and practices to ensure compliance with relevant securities legislation in New Zealand;

General practice with focus on property, contract litigation, estate and trust administration including:- Commercial lease;- Residential and commercial properties conveyancing;- Finance agreements.