Mohammad Shafaque

RBG – NTB & KYC Periodic Review

· Ensure the appropriate process is in place for approvals/rejections for NTB & KYC periodic review requests as per respective approved DOA for the segments.

· Conduct customer outreach to collect the updated KYC documents as per the applicable checklist

· Ensure all the required documentation has been collected in line with the CDD measures.

· Review Name screening, due diligence and Adverse Media matches.

· Undertake KYC remediation on a structured and cyclic basis.

· Review AML and Sanctions concerns where applicable.

· Review Enhance Due Diligence (EDD) exercise for KYC periodic review requests as per approved segment DOA and forward the results to Financial Crime Compliance (FCC) for their feedback (recommendation/ approval/ rejection).

· Manage BAU KYC refresh for the assigned business unit/s

· Update the tracker on regular basis by maintain the central MI

· Upload the KYC documents in workflow system in order the maintain the audit trail

· Ensure KYC records are updated in the core banking system and customer KYC documents are moved to bank repository.

People Management

· Support AVP and Senior Analyst – For NTB & KYC periodic review.

· Support with assisting with projects/deliverable to meet deadlines.

· Provide guidance to colleagues and conduct knowledge sharing sessions when applicable.

Policies, Systems, Process & Procedures

· Support the Business functions under RBG in maintaining and KYC periodic reviewing & KYC related procedures and processes.

· Review and oversee local adherence to Group Compliance On-Boarding & KYC Policies, Procedures and Processes.

Continuous improvement

· Support AVP and Senior Analyst – KYC periodic review by identifying opportunities for continuous improvements to RBG KYC related processes and practices based on risks and control deficiencies identified.

· Support AVP and Senior Analyst – KYC periodic review by creating a knowledge and best practice repository to enhance efficiency

Reporting

· Support AVP and Senior Analyst – KYC periodic review by identifying opportunities for continuous improvements to RBG KYC related processes and practices based on risks and control deficiencies identified.

· Support AVP and Senior Analyst – KYC periodic review by implementation of Group Internal Audit, Regulatory and Group PB compliance & GCDD recommendations on findings relating to NTB & KYC periodic review.

· Ensure information is accurate for MI related to RBG NTB & KYC periodic review.

KYC Lifecycle – Periodic Review – Wholesale Banking

· Conducting EDD on Central bank’s request for Customer/Non-customer (for Corporate/

Wholesale Banking) with response/no response required within turnaround time mentioned in the request.

· Analyzing customer accounts to confirm whether they are in line with KYC profile of the customer.

· Investigate potentially suspicious activity, make risk-based SAR recommendation and prepare SARs.

· Conducting public domain search for adverse information also checked internal account opening and payment watchlist and world check on significant counterparties, Related parties, UBO/shareholder and customer also on parties on bill of lading if provided and Vessel involved to find any SDN or sanction country and PEP involved.

· Initiating cases to the concern segment (Corporate/Wholesale Banking) to get more clarification on the transaction done in the account by asking for supporting documents on the significant counterparty transaction.

· Summarizing all findings with holistic view and prepared SAR/STR based on all facts and findings and make decision accordingly

· Decision on case with detailed description about customers background, as for Entity details about shareholder/UBO’s/Related Parties nationality, place of birth and Annual turnover, suppliers and buyers’ line of business and the countries in which that entity customer is having presence with proposed action (whether to raise a (SAR- Suspicious Activity Report and Exit the account and adding into Internal list or just close the case with satisfactory/Unsatisfactory).

· Updating MI as per action taken on the cases whether the case is with business/or for conclusion

Client On-Boarding – Corporate Banking

· Conducting (EDD) Enhanced Due Diligence on the KYCs/profiles of existing high-risk relationships (Corporate and wholesale banking)

· Referred to compliance, in accordance with the rules and regulations advised by GFCC and Bank’s AML/KYC Policy.

· Liaising with Business for High-risk Customers due diligence requirement and assist them in onboardingclients as per the banks risk metrics.

· Reviewing and provide feedback on referrals sent to compliance on account of name/profile matching against the applicable watch lists (Internal Blacklist/Central Banks List/ Sanctions /OFAC/EU Watch list) within turnaround time (TAT).

· Reviewing and provide feedback on referrals sent to compliance on account of name/profile matching against the applicable watch lists (Internal Blacklist/Central Banks List/ Sanctions /OFAC/EU Watch list) within turnaround time (TAT).

· Monitoring the client and other related parties including suppliers and buyers of the corporate entity and all otherinvolved parties to find any adverse information (Sanction’s country /PEP/High Risk Countries)

· E Name and Public domain check for all parties involved in case.

Operations Officer – Account Opening

· Handling customers’ enquiries and instructions, whilst ensuring that the Bank’s delivery standards in achieving total

· customer satisfaction are met e.g., timely checking of account opening documentation, opening of accounts etc.

· Maintaining adherence to process & documentation standards (e.g., forms/checklists, welcome calling, approvals, etc.) Timely follow up with Sales RMs for resolution of any outstanding deferrals.

· Handling all transaction related enquiries and also handle Cash and Cheque and DD/FD/RD inquiries.

· Maintain Record for banks deliverable like Cheque book and Debit Card.

· Day to day operations-data entry for Transfer Cheque, FDs in Finacle (Banking software).

· Cross Selling according to Customer’s behaviors.

· Checking account opening forms (Current/Saving A/c) duly filled by customers details and signatures for further processing and sending to central processing unit for data entry after duly signed by Branch Manager with adherence to banks KYC policy and procedure.