Financial Intelligence & AnalyticsGlobal AML & Sanctions Compliance Office

• Reports to the Chief Compliance Officer and Head of Financial Crime Risk Division• Primary responsible in the transaction monitoring of alerts surfaced by the Bank’s AML electronic monitoring system. Conduct enhanced due diligence and recommend to the BOD AML Committee unusual transactions report on cases where the results of the EDD conducted is unsatisfactory.• Conduct a periodic review of the systems parameters, system profile database in terms of integrity and effectiveness of profile results based on the Board approved AML Compliance Programs.• Conduct special review on AML/CFT related cases.• Issue Compliance Bulletins relative to new trends/typologies on money laundering and terrorism financing as well as reiterates compliance to AML corporate standards.• Coordinates the submission of suspicious transaction (STR) reports to the AMLC, compliance with AMLC request for KYC documents and monitoring of Compliance with Garnishment/Freeze Orders.• Manages the development and performance of FCR investigators.• Refers investigative findings to FCR Division Head and other relevant business units for immediate consideration of necessary actions.• Summarizes key investigative findings and prepares all relevant reports needed for presentation to both internal and external stakeholders.• Supports the FCR Division Head in maintaining the bank’s network of contacts within the different relevant government agencies (NBI, AMLC, BSP, etc.)• Liaises with law enforcement agencies on the bank’s high profile FCR cases.• To perform and complete Ad hoc tasks that may be assigned/requested by CCO, FCRD Head, Board of Directors, and senior management

*Citi Philippines Retail Business transferred to Unionbank of the Philippines (Aug 2022)Manages a Team of Control Analysts and perform oversight of AML Customer Due Diligence (KYC) for Retail, Cards and Loans customers.-Function as a checker for Periodic KYC Reviews of High Risk Customers of the Bank. This includes customer profiling and transaction analysis.-Assists in AML related projects, adhoc activities, regular productivity and data analysis reporting.-Acts as a consultant to the business regarding process and controls. Implement and develop controls to prevent risk within specialized business.-Acts as SME to Senior stakeholders, cross-function Units and other Team members.

 Performs Business Analysis & anti-money laundering investigations on High Risk Accounts particularly those involving Casino Gaming Industry. Analysis includes mapping of customer’s ownership structure, financial statement analysis, & validation of the information obtained from customer through public database or internet. Performs review on Documents submitted by customer as to its consistency and correctness of the information provided. Performs proper due diligence and watch list checking/ negative list checking on these customers particularly on the corporate, authorized signatories and related individuals. Monitoring of transactions and behavioral analysis to identify, investigate and review potential financial crime activity including fraud and AML alerts. Conducts regular face to face meeting with customers to further assess and understand its business profile. Supports policies and procedures to address operational deficiencies and risks. Observes process control standards to achieve “passing” audit rating. Adheres to various compliance regulations, such as Anti-Money Laundering and Counter Terrorist Financing (AML/CFT).

 Responsible for overall operations of the Branch and sees to it that all policies and procedures are being implemented. Handling client inquiries and complaints specifically those that are elevated/escalated by frontline staff that needs further attention or investigation. Actively gets involved in the cross selling of bank products and services to internal and external clients. Projects the highest degree of customer service to clients while observing internal and external policies and guidelines in the day to day execution of work. Ensures that appropriate risk management/internal control procedures are implemented in line of work. Conducts branch cost analysis and recommends alternative courses of action to achieve cost effectiveness.

 Gives support to all SCB Branches in areas of administration and operational support, service quality improvement as well as system support. Assist the Head of Branch Operations in review of business operational processes on a regular basis to remain efficient and effective. Identify process gaps within business and develop new processes to address. To sustain an optimal level of risk control in balancing operations/efficiency and risk exposure for all SCB Branches.  To ensure that all the Branches are operated in compliance with applicable laws, regulations and SCB group standards. Tracks and monitors all BAU submissions of the Branches to various departments /authorities in a timely manner. Assists in cascading to the Branches new Regulatory directives, updates to Group circulars and/or revisions to Departmental Operating procedures. Ensure compliance with the Group’s standards and regulatory requirements pertaining to Money Laundering and KYC, conducting checks on account opening (High Risk Accounts; PEP Accounts). Daily transactions monitoring and checkCustomer Due Diligence Officer (CDD Officer)Standard Chartered Bank Philippines Conducts due Diligence on Business Clients and related activities including PEP assessment and FATCA Reviews. Reviews and performs KYC on account opening applications prior to on boarding of clients of all SCB Branches especially those that are rated as “High Risk PEP; High Risk Business”- for further evaluation; risk rating and proper documentation. Performs account review on Accounts triggered with Suspicious Transaction Report (STR) and performs callback to banking clients to verify/confirm changes on the accounts/pattern history of the accounts. Close alerts and provide justification for closure. Performs name search and investigate on Norkom/Detica system against the watch list database.

 Handles clients’ inquiries, complaints, and sees to it that they are acknowledged and addressed/resolved immediately. Manages lobby traffic and ensure customer satisfactions are met. Assists over the counter clients on various loan applications like Personal Loan, Auto Loan, Home Loan, and Credit cards. Supervises the daily operations of the Marketing/Sales Section of the branch and provides assistance to the Branch Head in marketing the Bank’s and affiliates’ products and services. Ensures accomplishment of fund generation targets through in-house marketing activities. Cross-sells other bank products and services.  Reviews and approves transactions within authority limit; Prepares, checks and submit periodic reports. Ensures that accounts opened are properly maintained and have complied with KYC & AMLA requirements.  Handles booking of Trust Accounts/Off books account like Investment Management Account, Unit Investment Trust Funds, Long Term Notes Deposit, Treasury Bills, Treasury Notes and Corporate Bonds; Reviews and checks if time deposits maturities are properly maintained and handled according to client’s instructions. Ensures compliance to Service quality standards of the Bank. Ensures adherence to prescribed policies and procedures, internal control, regulatory provisions of government agencies (BSP and AMLC). Acts as alternate signatory/authority in the absence of Branch Head. Views, reads, and replies to e-mail messages to ensure that all instructions/advices/problems are properly handled/acted upon;handles dissemination of important information/policies/procedures to the branch personnel.