Leah Cook Email and Phone Number

Mutual Bank Project – As a Subject Matter Expert, I helped lead an Independent Audit Review of a large Mutual Bank’s Part A AML Program Review. This involved extensive Stakeholder Management while working regularly with their Internal Audit Team, Executives, AMLCO, Financial Crime Team and Member Service Teams. I played a critical role in the execution and completion of planning, research, fieldwork and report writing. Main areas of research performed being AML/CTF Customer Risk Assessment Model, Ongoing Customer Due Diligence and Enhanced Customer Due Diligence activities.Big 4 Bank - Digital Bank Project – I assisted a large regulatory project, pertaining to all aspects of a Financial Crime Program. This included the bank’s enhancement and establishment of AML and Sanction requirements, processes, documentation and controls around Transaction Monitoring, Customer Name Screening, OCDD, ECDD, EDD, Training, UAR and SMR’s. A major aspect of the role was Stakeholder Management and requirement walkthroughs with Financial Crime, Risk, Compliance, including conducting “Playbacks” with accountable Heads and Group Executives for regular updates on the pathway to green. I also played an integral lead role with external vendors to ensure successful set up of the Bank’s new AML Monitoring Tool while also providing AML SME support on technical requirements, planning, Project Management, testing and training.

• Responsible for delivering and managing Money Laundering and Financial Crime Risk, which included advice and oversight across Ebonex’s Digital Currency Business, coupled with detection and decision making within the function.• Oversaw core relationships with Financial Crime colleagues, first and second-line teams, product and customer facing teams, business unit team members including Senior Management and Executives, vendors and suppliers of financial crime solutions.• Supported the implementation, development, enhancement and roll out of standards, AML Programs, guidance documents, training and procedures.• Contributed to the culture of continuous improvement by implementing Quality Assurance across KYC, ECDD, and other Compliance Functions. Reporting any findings and ensuring any learnings are shared across the team and processes/procedures updated appropriately. In addition, initiated companywide Compliance and AML news and learning on a regular basis.• Integral in initiating and raising Continuous Improvement Initiatives and having them implemented and adopted by business. This included the recognition and assistance in the design of a Sanctionrf Wallet Blocking process. This entailed working with the Product and IT teams on a regular basis to ensure correct and timely implementation based on the risk posed to the business.• Responsible for oversight, advice and approval for all KYC Onboarding, ECDD Reviews, Line 1 Team referrals, and SMR submissions to AUSTRAC.• AUSTRAC Administrator responsible for updating Reporting Entity Roll known as DCE Registration for Digital Currency Businesses

• Manager within the Enhanced Customer Due Diligence stream for Compliance/2nd Line of Defence.• MLRO Delegate for approving and offering advice on High Risk Customers including PEP’s, High Net Worth Individuals, Individuals residing in High Risk and Ultra High Risk Countries and Customer who have had pervious SMR’s• MLRO Delegate for reviewing and approving SMR reports to AUSTRAC, and ensuring they are reported in an accurate and timely manner.• Reviewing and approving customers outside of Risk Appetite for off-boarding.• Case Management Tool Expert ensuring training for all staff involved, daily case management and oversight of all ECDD and Advisory.• Daily/weekly and monthly reporting for case management tool which included setting up reporting matrix enabling accurate report to Management and Board.• Liaising and training with 1st line/KYC and other departments around AML Requirements, issues and improvements.• Daily staff training, engagement, stakeholder management, advice requirement, issue identification and reporting

• Responsible for ensuring timely, accurate consolidation and submission of Westpac Group’s AUSTRAC Compliance report. This includes liaising with numerous stakeholders in Line 2 and Line 1 business groups and divisions.• Responsible for Westpac Group’s Designated Business Group review on a yearly basis.• Remediation of issues and incidents around the DBG, including control design, control testing, remediation of current records, and ensuring any changes are reported to AUSTRAC in a timely manner.• Ongoing consultation and involvement in KRI Reporting. This includes being currently designated as Dashboard Producer.• Achieved superior stakeholder management in a short period of time by building and maintaining productive relationships with trust. This all while working collaboratively and being open to the perspectives of others.

• Responsible for ensuring timely, accurate and efficient completion of initial and ongoing KYC/Enhance Customer Due Diligence and maintaining client files in line with the bank’s AML program. • Subject matter expert for advice and guidance to CLC Analyst team to complete KYC activities during the lifecycle of the customer. • Leading a team of 5 CLC Analysts, supporting workflow allocation, supporting escalations and an SME responsible for ongoing performance management, identify continuous improvement opportunities and contribute to ad-hoc project implementations.• Implementation and maintenance of MI reporting in order to evaluate the operational production of the CLC Analysts team, reflecting the number of files completed and the number of files passed/failed on a weekly, monthly and year-to-date basis.• Assisting senior management with ongoing maintenance of relevant policies, Desktop procedures, guidance and checklists. • Superb stakeholder management demonstrating excellent communication and interpersonal skills and ability to forge strong working relationships• Leadership and training of Advisory Analysts including assisting in establishing the Advisory function of the CLC Team.• Quality training of all new CLC Analyst with multiple accolades and praise regarding my role.• Establishing relationships with front line staff and the broader business lines in KYC guidance and education.

• Actioning high volume AML and CTF transaction monitoring alerts within given SLA’s• Enhanced customer due diligence of customer records upon unusual findings• Submission of Suspicious Matter Reporting to AUSTRAC• Training staff, including mandatory training presentations in large groups, and one on one support of analysts.• Leadership and support roles when required, when manager is absent.• Superb record in Quality Assurance • Superb leadership skills and recognition by peers across all streams of the business, including high level management and support

• Management, leadership and training of two direct reports.• Second level reviews of all SMR and STR’s• Enhanced customer due diligence of customer records upon unusual findings• PEP and Sanction reviews of customers across the company• Daily structuring and Transactions Monitoring Reviews• Submission of TTR’s and PTR’s for all modes of the business• Project work and investigation of new streams and processes• Stakeholder Management including liaising with offshore teams and Head Office in London.

• Actioning high volume AML and CTF transaction monitoring alerts within given SLA’s• Enhanced customer due diligence of customer records upon unusual findings• Submission of Suspicious Matter Reporting to AUSTRAC

• Addressed escalations from stakeholders locally and offshore in relation to transaction monitoring and sanction screening tasks.• Assisted internal stake holders with compliance related queries, including but not limited to escalations from Accreditation, Business, Operations and ROCs (Regional Off Shore Centers).• Lead in addressing all OLS (Online Services) escalations for compliance and accreditation related queries for Australia and New Zealand.• Lead in conducting all OLS meetings, reporting and training for the offshore teams.• Lead in conducting AML/CTF Program Reviews of correspondent banking relationships. This included ECDD reviews of all new Financial Institutions and yearly reviews of existing Financial Institutions and MSBs.• Assisted with the completion of compliance monitoring tasks. • Lead in completing QA on Branch Accreditation for Australia and New Zealand. OLS Accreditation for Australia and New Zealand. Re-Accreditation for Australia and New Zealand. Employee Due Diligence and Training for Australia and New Zealand.• Conducted ECDD reviews on High Risk Clients and PEPs for both new and existing clients.• Unusual matter investigations including SMR/STR reporting within given regulatory time lines.• Preparation of policies and procedures in relations compliance frame work, including KYC for Australia and New Zealand.• Successfully supported the business in compliance matters, including being the main support for the Accreditation Team.• Continued level of leadership with all team members in compliance.

Team Leader - Accreditation. Responsible for numerous successful Regulatory Projects. KYC - Reaccreditation of approx. 12,000 online clients across Australia and New Zealand and 3000 Australian based business clients. Management and training of multiple staff including large offshore teams of 40 plus. Organisational skills, reporting, project management, staff retention, tenacious, flexible, enthusiastic.

Senior Fraud and AML Officer. Fraud monitoring of multiple card products from a large base of Credit Unions, Banks, Building Societies and other Financial Institutions. Internet banking, BPay Fraud, Visa 3D Secure, FDI experience, numerous host platforms, PRM experience. Rule monitoring, reviewing and suggestion on a frequent basis to improve accuracy rates amongst team. AML and CTF assessment and monitoring for various clients including known high net worth banks. SMR reporting for clients. Responsible for rule suggestions and monitoring, daily AML operations and procedure reviews, including new procedure writing, planning and implementation. AML training and presentations to all company staff for yearly AML Due Diligence. Cross training of all AML staff including new recruits and supervisors. Attention to detail, and always keeping abreast of all new regulations, rules and policies.

Fraud monitoring of customers credit and debit cards. Suggesting rules for monitoring cards and implementation of correct procedures. Managing large volumes of inbound and outbound calls relating to credit card fraud, internet banking and charge backs. Adhering to privacy and other related legislation.