Stacy Joseph

• Regular Renewals of Client data base with appropriate records, reporting any instances of discrepancy in the profiles.

Performing due diligence reviews for clients while adhering to Know Your Customer (KYC) and Anti- Money Laundering (AML) standards.

• Analyzing client data, documentation and negative news in order to determine a Client Risk
• Perform IDDs Under Global Standards and follow up with RM/Client/Management for missing documents.
• Check for any sanctioned countries or individuals in the customers types and report it to the higher authorities for screening purposes.
• Taking complete ownership of alerts that have been assigned until the stage of completion.
• Take individual decisions on the type of document required to avoid the risk and have a barrier towards any money laundering activities or terrorist financing.
• Ensure to complete the new business/Admin/Material trigger clients on priority basis.
• Cascade information across the team on any new uplifts or changes.
• Manage the weekly MI of the team, quality report and work allocation
• Part of new tool implementation testing.
• Reporting weekly and daily volumes and their aging.
• Part of process streamlining
• Training new joiners in the team.

• Initial research using Internet search, Internal search and BIS source such as mint, D & B, bank check,Lexis Nexis etc.
• Regular Renewals of Client data base with appropriate records, reporting any instances of discrepancy in the profiles.
• Identify the risk involved in customer types and classify them appropriately.
• Perform Initial due diligence Under Global Standards(France, Hong Kong, Singapore and UK) and Conducting follow up with CMDD staff and management, suggest and take actions based on the requested information.
• Reporting weekly and daily volumes and their ageing.
• Part of process streamlining
• Part of various User acceptance testing.

• Performing due diligence reviews for individuals while adhering to Know Your Customer (KYC) and Anti- Money Laundering (AML) standards.
• Reviewing Clients on a periodic basis according to risk levels.
• Analyzing client data, documentation and negative news in order to determine a Client Risk.
• Identifying Sources of Wealth and perform Sources of Wealth Corroboration for High Net worth Clients.
• Preparing suspicious activity reports on the unusual account activity and escalating to business partners. ( GFCC & OFAC & Business Operations)
• Prevent further risk by reviewing account activity. (Using few software's like Hejr/Main frame, One view, Cognos, FTMON etc.).
• Conducting follow up with onshore branch staff and management, suggest and take actions based on the requested information.
• Analyzing data to identify patterns and compare transaction history against KYC standards.
• Taking complete ownership of alerts that have been assigned until the stage of completion and providing detailed documentation of the due diligence performed.
• Performed appropriate and confidential handling of sensitive information.
• Cascade information across the team on any new changes.
• Preparing Daily MI reports and work allocation.
• Assisting my colleagues with complex alerts and also helping to clarify all the doubts.

• Scrubbing the documents and tipping the deal depending upon the eligibility criteria.
• Providing the modification to the borrower.
• The main objective in this process providing the guidelines to borrower depending upon the financial condition, payments and avoiding the foreclosure to the borrower.
• Follow up mortgage payments and creating new repayment / instalment schedule for

customer on the basis of their eligibility.

• Verifying the documents like Hardship affidavit, Tax return, Dodd frank, paystub, Hardship affidavit, Proof of income and occupancy and other documents and financial attachment.
• Using multiple tools to collect and verify the customer documents.
• Handling client’s escalations and ensuring quick readdressing of their queries.