Jaathursan Senthilkumar Email & Phone Number

• Perform and document FIU / SIU ML/TF investigations, along with maintaining supporting information, in accordance with Enterprise AML and FIU / SIU policies and procedures• Research customer records, customer activities and account information to determine whether unusual activity may indicate RGS• Identify and investigate High-Risk customers including but not limited to potential PEPs / PEFPs, Sanctions and refers as appropriate to internal partners (e.g., EDDU, Global Sanctions, etc.)• Prepare and deliver investigative results to the appropriate staff, including identification of trends and areas of improvement• Identify and report RGS within the regulatory reporting requirements and timelines• Recommend risk mitigation actions and next steps at the conclusion of FIU / SIU investigations• Communicate regularly with leadership to identify challenges and obstacles related to the team’s objectives• Maintain up-to-date knowledge and skill sets relevant for ML, TF, sanctions and other regulatory matters to perform case investigations

• Gathered market intelligence/data to understand the nature of business, ownership and group structure of various organizations• Conducting thorough customer due diligence (CDD) and Know Your Customer (KYC) processes in regards to periodic refresh cases and new to bank client onboarding for a Big 4 Canadian Financial Institution.• Investigating and reporting suspicious transactions to relevant authorities, such as FINTRAC, in compliance with regulatory requirements• Exceptional knowledge utilizing AML software and tools to streamline monitoring and reporting processes such as Fenergo, LiveLink, Lexis Nexis, Worldcheck, Factiva, Orbis, Capital IQ, and Refinitiv• Implementing and maintaining AML compliance programs and policies to ensure adherence to applicable laws and regulations.• Maintained a 100% QC rate while eventually becoming the Lead QC for a remediation project with a Big 4 Canadian Financial Bank, handling quality checks for over 5 analysts

• Exercise strong critical thinking and decision making skills to probe for possible fraud and minimize client impact• Respond to incoming inquiries worldwide regarding unusual or fraudulent transactions• Determine the legitimacy of cardholder and/or authorization request to accurately approve or decline card activity while minimizing fraud losses and client impacts• Utilize sophisticated neural network fraud detection software to identify possible fraud trends as well as assist in the implementation of fraud detection rules criteria to minimize client impacts and increase confirmed fraud contact rate• Create detailed fraud reports to assist investigators• Identify, refer and/or escalate different types of fraud to relevant areas outside of AAF• Excellent knowledge of PRM, COINS, ECIF, ICBS, TSYS, ECRM, FMCA, FMCL, CertaPay, AAF Wizard

• Employ dynamic interpersonal skills, cultural competency/sensitivity, tactful language, and empathetic interviewing to build rapport with contacts of varied backgrounds • Provide approved information and guidance on self-isolation, procedures and what to do if symptoms develop • Provide critical information for testing, healthcare, and other supportive services, as needed, per local protocols • Conduct daily check-ins to assess signs/symptoms via locally designated method and record data in provincial case and contact management IT system

• Able to verify mortgage, land registry, and legal documents prior to initiating funding for a new mortgage or a switch in from competitors • Work alongside a third-party company to ensure all fees and penalties are paid for before releasing the funds to the client’s account • Ensure bank wire payments to different RBC branches or OFI branches are done accurately and in a timely manner • Extraordinary attention to detail as demonstrated through creating financial journal entries for each completed transaction, ensuring all balances are matched with no discrepancies

• Focus on attaining established benchmarks for designated client activities, transactions and/or processes, contributing to achievement of business specific Client Service Commitments (CSC’s) • Successfully pay off and complete business loan closures as directed by account managers • Successfully credit excess amount back to the client’s account after loan closure • Use of RBC Express to debit or credit amounts from various banks as directed by the client • Excellent knowledge of various programs including CART, Service Platform, BCRMS, Credit Monitoring Systems, RBC Express, Sales Platform • Ability to thrive and excel in a fast-paced environment where minimal to no mistakes are required to ensure client satisfaction

• Consistently demonstrate a sense of urgency in a high-pressured deadline driven environment, ability to multitask and ensure that the team and the centre are meeting service commitments on a daily basis • Exercise due diligence in following RBC operational risk policies, procedures, standards and guidelines • Ensure entirety of mortgage is paid out before requesting a discharge statement from a third party • Issue payout statements to be sent to lawyers to notify of the incoming discharge statement• Ensure personal productivity is maintained in keeping with the Enhanced Performance Model (EPM) • Exceptional knowledge of RBC Product and services as well as programs such as: Host, Sales Platform, Cart, DHDI, FCT, FNF, Gateway, PAT Tool, Viewer • Learned and worked in various departments during summer including, discharges, payout statements, and gateway