Suketu Patel Email and Phone Number

● Advising on documentation requirements to external and internal partners.● Review of legal, account opening and tax documentation as to whether it meets regulatory and internal policies to maintain an account.● Reviewing incomplete customer files in line with CDD requirements, AML and Sanctions standards.● Performing CDD reviews whilst applying a risk-based approach to assess financial crime risks.● Documenting clients on due diligence and related systems and updating these profiles periodically.● Taking responsibility for the end-to-end review proess.

● Conducting thorough AML Investigations across all customer types – retail, commercial and business.● Drafting and submitting SARs to NCA● Weekly Quality trend analysis (QA checking)● Delivering coaching sessions in order to address outputs of the Quality trend analysis● Weekly quality huddle delivery & attestation

● Analysing transactional activity against KYC standards using all available tools to verify consumer purpose and legitimacy● documenting the research and analysis conclusion to KYC standards● escalating customers who do not meet required standards● Conducting research and understand consumer transactions● Identifying risk and provide process improvement suggestions

● Investigating Suspicion Activity Reports (SAR) and Unusual Activity Reports (UAR).● Conducting in depth account activity (transactions) reviews of personal and commercial client to identify fraud, money laundering, terrorist financing or any other type of financial crime risk● Disclosing customers to National Crime Authorities (NCA) by submitting detailed report where financial crime risk is identified using appropriate systems and procedures● Ensuring each client is dealt in appropriate manner using banks policies and procedures and all the necessary steps are completed on back of completion of each review● Effectively liaising with stakeholders to ensure bank’s products and services are not being used for any illegal or financial crime activities and appropriate procedures are followed to mitigate such risks.

● Carrying out full KYC/KYB reviews of the existing and new business and commercial clients● Ensuring standard due diligence and enhance due diligence are completed using internal and external sources.● Ensuring KYC principals applied and detailed information is obtained from external systems and sources while carrying out the reviews● Making sure sanctions, PEP, adverse press checks & anti impersonation checks are completed for each review.● Dealt with high risk clients, medium/low risk clients, special interest client groups and onboarding● Dealt with Entity types such as charities, sole traders, limited liability partnerships, trusts, private limited companies, publicly listed companies, guarantor relationships, bearer bonds, entities limited by guarantee, shipping, money service business, online gambling and other high risk entity types as well as personal customers

• Carrying out Investor AML’s review for high and medium risk investor documentation in adherence with Northern Trust’s AML policy and procedures.• Working with management and appropriate colleagues in reviewing such investor documentation and efficiently sourcing outstanding investor due diligence documentation with professional approach and timely escalation of material issues arising.• Ensuring timely and accurate completion of investor AML workload and transaction monitoring in adherence with company’s AML policy and legislation.• Ensuring that all queries from internal and external parties are dealt with efficiently and in professional manner within agreed timeline. • Support management to ensure that required audit, risk and compliance standards are met as determined in accordance with changes in legislation and guidance.• Develop and maintain strong working relationship with internal and external stakeholders.

• Providing informed, practical advice which helps bank to stay compliant with our regulatory responsibilities while maintaining an excellent customer experience.• Handling complex Sanctions queries mostly originating from 2ndLOD Sanctions investigations team, transaction monitoring, high risk reviews, SARs and exit teams as well as providing guidance to customer facing colleagues in branch network.• Coaching and mentoring to wider teams within Personal and Business Banking to identify and deals with the queries representing Sanctions risk• Investigation of complex payment mostly for the customer trying to deliberately evade sanctions controls who are linked to restricted countries and regions• Currency accounts reviews to ensure all regulatory requirements are met• Conducting reviews of high risk customers linked with restricted countries, sanctioned entities, vessels, individuals etc.• Reviewing and updating Internal watch lists to allow the filters to generate the alert for any target matches i.e. for sanctioned individuals, countries, regions, entities, vessels etc.• Working with Sanctions Advisory Team for any reporting requirement to relevant authorities in regards to any sanctions breaches, transactions or complex customer relationships• Conducting reviews of customer relationships which may require to be exited mostly restricted country matches and high risk customers due to nature of activity on their accounts.• Timely review of the frozen accounts for the sanction matches to ensure appropriate control are in place to prevent customer from getting access to their funds without licenses from relevant authorities or from opening any new products with the bank

• Providing of subject matter expertise on Sanctions, AML trends, processes, procedures and associated legislation and industry standards • Providing effective interface between clerical analysts and investigators/stakeholders to ensure only appropriate alerts or cases are escalated • Delivery of regular DOFT sessions on AML policy, legislation, processes and procedures ensuring delivery is consistent with industry and/or regulatory guidance • Raise and handle incidents • Delivery of side by side coaching to the team • Appropriate execution of checking activities to support the team accreditation process and Risk/Quality framework with timely and relevant feedback provided to colleagues or Team Manager • Provision of suitable MI or intelligence to support the identification of emerging trends or to assist with themed reviews or projects • Ownership and timely maintenance of team OPDs ,SOPs and process documentation

• Providing subject matter expertise to help and support improvements in procedures, standards and processes.• Support the Product Management team in ensuring optimizing of all AML Operations systems.• Investigate and Analyze the policy and strategy of AML Operations and Group Regulatory risk within the AML Framework in order to provide useful recommendations on the organization of procedures, standards and processes• Provide support to enable the governance to the execution of change projects as well as daily BAU activities in adherence to Group and Regulatory Policy and Strategy• support and maintain global oversight of the product areas processes, standards and systems• support projects aimed at the development of new systems, system releases, procedures, standards and processes• Work with the product manager to support the translation of the group regulatory risk policies and directives into workable, efficient and effective procedures, standards and processes.• Participates in activities related to system and process and procedures releases e.g. testing, providing training etc. and thereby ensuring these are correctly and successfully implemented. • Administer the Product Management mailbox and other systems used to pro-actively resolve issues reported by stakeholders • Participates in projects and has shared responsibilities to successfully complete and deliver the project objectives on time, within budget and with the highest possible quality.

• Work with the Financial Sanctions Unit (FSU) to ensure that any risks associated with customers on sanctions & terrorist lists / Politically Exposed Persons lists are responded to in a timely manner.• Handling and investigating the system based automated PEP / Financial Sanctions & Payment Filtering (OFAC, EU, HMT and Sanctions) matches. • Respond to Norkom & CLIFF cases for both FS&TF matches & PEP matches within the agreed SLAs• Identification and verification of clients to detect and prevent Anti-money laundering risks to the business.• Assessing of potential list matches to ensure group-banked PEPs & Sanctioned individuals are identified and managed in accordance with Group standards & legislation.• Analyze available data, communicate findings, ensure adequate remedial/follow-up actions, and document resolution of such activities to provide an accurate audit trail for regulators.• Periodically undertake AML tasks from other internal Stakeholders in a timely manner Additional Responsibilities:• Allocating work to the team members, acting as the Question person within the team to clarify doubts.• Supporting team managers and colleagues by providing process subject matter expertise and ensuring that all procedural steps are taken with correct level of risk and due diligence. • Tracking and recording Management Information (MI) required and sending it over.• Providing Level-2 decision making training and feedback to other members of teams as well as people from other areas in AML (national and international)• Identifying process gaps, actively searching and finding the solutions by approaching relevant business areas and sharing these results• Planning and piloting new Sanction screening process (Paragon Sanctions)Key Accomplishment(s): • Received an award for Planning work allocation and successfully completion of PEP and Sanction project within SLA.

• Work with the Financial Sanctions Unit (FSU) to ensure that any risks associated with customers on sanctions & terrorist lists / Politically Exposed Persons lists are responded to in a timely manner.• Handling and investigating the system based automated PEP / Financial Sanctions & Payment Filtering (OFAC, EU, HMT and Sanctions) matches. • Respond to Norkom & CLIFF cases for both FS&TF matches & PEP matches within the agreed SLAs• Identification and verification of clients to detect and prevent Anti-money laundering risks to the business.• Taking risk based decisions regarding the Sanction, Terrorist Financing and PEP alerts• Assessing of potential list matches to ensure group-banked PEPs & Sanctioned individuals are identified and managed in accordance with Group standards & legislation.• Analyze available data, communicate findings, ensure adequate remedial/follow-up actions, and document resolution of such activities to provide an accurate audit trail for regulators.• Support the Anti Money Laundering (AML) Co-ordinator in reviewing and enhancing AML policies available to the business units within Retail Markets.• Review and respond to any potential payments to individuals on the Office of Foreign Asset Controls (OFAC) list in a timely manner to ensure that there is no risk of reputational damage or breach of Group AML policy.• Conduct adhoc investigations on customer accounts in order to identify any risks associated with maintaining the customer relation and present recommendations as and when required.• Periodically undertake AML tasks from other internal Stakeholders in a timely manner Additional Responsibilities:• Allocating the work to the team members.• Act as the Question person within the team to clarify doubts.• Track and record Management Information (MI) required and send them over.Key Accomplishment(s): • Designed and implemented the work process with subsidiary company to maintain up-to-date Work progress in line with SLA.

• Identification and verification of clients to detect and prevent Anti-money laundering risks to the business.• Analyze available data, communicate findings, ensure adequate remedial/follow-up actions, and document resolution of such activities to provide an accurate audit trail for regulators.• Assessing of potential list matches to ensure group-banked PEPs & Sanctioned individuals are identified and managed in accordance with Group standards & legislation.• Handling and investigating the system based automated PEP / Financial Sanctions & Payment Filtering (OFAC, EU, HMT and Sanctions) matches. • Drafting the preparation of reports to be submitted externally to SOCA & other authorities.• Monitor client transactions through Fircosoft system ensuring that the appropriate sanctions policy has been followed.• Taking risk based decisions regarding the Sanction, Terrorist Financing and PEP alerts. Additional Responsibilities:• Assisting the team manager in allocating the work to the team members.• Providing training to new joiners and act as the Question person within the team to clarify doubtsKey Accomplishment(s): • Received the best performer award in the team for the Financial Sanctions project during Q3 2009.• Created a new team record by investigating the maximum number of alerts on a single day.