Ari Ray Email & Phone Number

London, United Kingdom

London, United Kingdom

Oversight responsibilities based on the Compliance Monitoring Plan-•Completing Buy to Let and Commercial mortgage lending oversight and file reviews in accordance with the compliance monitoring plan•Regulatory oversight and liaising with third party service providers to maintain consistency in approach•Oversight of fraud policy and CIFAS rule application within relevant departments within the bank. •Oversight of low-medium risk accounts on-boarded by the first line to assess for KYC/AML/CDD/EDD checks•Oversight of correspondent banking relationships and transaction monitoring within Vostro accountsAdvisory responsibilities- •Conduct thematic reviews for gap analysis and provide guidance and facilitate changes by liaising with different stakeholders•Horizon scanning and providing regulatory updates to staff•Drafting policy guidance and amendments emanating from changes to regulations and advising stakeholders on suchFinancial Crime prevention responsibilities-•Conducting AML investigations and reporting to NCA from both within retail banking and retail lending divisions.•Main point of contact within Compliance for Fraud Investigations•Review of correspondent banking relationships and transaction monitoring of Vostro accounts to assess for suspicious activities.Ad-hoc responsibilities-•Participate in lending committee decisions to approve mortgage lending business•Approval of intermediary on-boarding•Conducting regular branch audits and making recommendations on improvement strategies.•Actively involved in the completion and presentation of the annual MLRO report to the senior management in conjunction with the MLRO.•Approval of financial promotions relating to lending products.•Drafting policies •Completing the risk categorisation of jurisdictions for both Retail and Wholesale divisions of the bank together with sanction information from HM Treasury, UN, EU and OFAC guidance documents.

Leighton Buzzard

• Responsible for producing a monthly Conduct Risk report for the whole of Mortgage Services• Carrying out root cause analysis to identify trends and implement processes in place where potential risks have been identified to mitigate/minimise them.• Liaise with the Money Laundering Reporting Officer to discuss Suspicious Activity Reports submitted by various departments within the company to analyse them and report them to the National Crime Agency where deemed appropriate.• Approving financial promotions for the company in line with the FCA rules.• Carrying out Financial Sanctions checks for prospective applicants.• Carrying out investigations, root cause analysis and liaising with the field and area directors where a mortgage adviser has been flagged up by a lender or within the business, to ensure appropriate and timely action is taken.• Monitor DPA breaches and ensure remedial action is taken.• Documenting procedure manuals for approval by the Board.• Checking mortgage and insurance sales cases submitted by consultants across several brands of the estate agency to make sure they are compliant and abide by FCA standards• Document all action taken on file• Ensure accurate and appropriate records are kept so that Mortgage Consultants working under a regulated regime are fit and proper to carry out their duties at anytime• Provide written feedback to consultants and managers• Address any initial appeal in accordance with current procedures and escalating to Quality Assurance manager where appropriate• Help in team meetings• Chase remedial action on the cases checked to make sure they have been satisfactorily completed.

Leighton Buzzard

• Making outbound calls to existing customers to identify re-mortgage and protection sales opportunities.• Converting leads to mortgage and insurance sales over the telephone• Working with allocated administrator to complete post sale paperwork and ensuring smooth completion of cases in a compliant manner.• Manage own workload and financial adviser’s diaries with booked appointments.• Call customers to discuss insurance products, produce quotes and sell Life insurance and Home insurance.• Conduct customer reviews over the telephone to identify protection gaps and sell necessary products.• Remind existing clients of mortgage product expiry and book review appointments • Make retention call to clients who have cancelled their cover

St Albans, United Kingdom

• Welcome, help and assist customers to build customer loyalty and maximise sales opportunities • Manage own workload and mortgage adviser and financial advisers’ diary with booked appointments• Produce and package relevant paperwork to head office• Maintain regular correspondence with customers to establish good relationship • Generate and follow through sales opportunities (face to face and by telephone) so that personal and team targets are met. Advise and sell savings products • Support and, as appropriate train team colleagues so that good team spirit is maintained, and branch targets are met. • Suggest and follow through ideas to improve the systems, public image and appearance of the branch.• Assist Branch Manager in ensuring that the branch operates in line with standards and maintain data security and compliance• Keep up to date with the latest products and market developments so that accurate and useful information is given to the customers. • To arrange referrals to Skipton Financial Services Advisors in respect of regulated products. • To arrange referrals to Branch Manager in respect of mortgage and non-investment insurance products. • Perform all cash and banking transactions quickly and accurately and in accordance with the Society’s Security Policy to build customer loyalty and maximise sales.• Carry out team meetings as Financial Services product leader to maximise opportunities and generate proactive sales approach

St Albans, United Kingdom

• Selling advised and non-advised mortgages both over the phone and face to face with customers• Selling associated products- Life and Critical Illness Cover, Mortgage Payment Protection, Building and Contents Insurance• Generating investment leads• Coaching branch staff to generate quality leads.

St Albans, United Kingdom

• Selling unsecured personal loans to customers both over the phone and face to face• Selling associated protection products, namely – Life, Accident, Sickness, Hospitalisation and Unemployment Cover• Cross Sales- Generating mortgage and investment leads through existing customer relationship and follow-ups of customers on file• Campaign product leader for the branch- Keeping track of branch performances and devising incentive plans to motivate staff under the guidance of the branch manager.

Newcastle Upon Tyne, United Kingdom

• Selling non-advised mortgages (New Mortgage, Re-mortgage, Additional Borrowing, Home- Movers and Buy- to- Lets) over the phone.• Making outbound calls to follow-up existing cases• Cross Sales- Building and Contents Insurance, Payment Protection• Generating Life Cover leads for Legal and General staff• Mentoring new starters• Team Product Leader for insurance- devising incentives and training to motivate staff