Francisco João

– Provide support and advise the business on AML and Compliance matters, responding in a timely manner, ensuring quality of responses, and demonstrating subject matter expertise. – Ongoing due diligence: conducts control over reviews on a periodic basis, assessing existing client documentation, performing quality checks of the first line assessment. – Perform review and analyze KYC files for existing clients, identify any issues, and missing information/documentation required to comply with KYC/AML regulations in Luxembourg. – Prepare onboarding for new clients and submit to CLAC members approval (Low and Medium risk clients) – Attend client acceptance committee (CLAC) and prepare minutes for high-risk clients – Monitor and review/approve client information in the AML client database and support other teams regarding the use of internal client AML database. – Prepare risk assessment of several investors (LPs) and investments made through Alternative investment funds (SCSp) which are doing business in high-risk industries or countries (e.g. defence sector, developing markets, Mining, RE, etc.) – Review and analyze complex cases independently, following internal processes and 2nd line controls. – Prepare the risk based matrix for each KYC file assessing client risk, service risk, industry risk, country risk, distribution risk, transactional risk, tax risk, corruption risk, circumvention risk, terrorism risk, proliferation risk and asset risk. – Prepare and share monthly reports with board members, such as PEP, Transaction Monitoring, Adverse Media and Sanctions reports. – Analyze regularly sanctioned clients through EU, UN, OFAC sanctions lists and escalate to Head of compliance to be report to FIU or Ministry of Finance (when needed). – Regular analysis of EU sanctions packages against our client portfolio and report to the board members (if needed). – Perform daily screenings and escalate to the board members critical cases that bring some risks to our business and to the client (e.g. reputational, TF, corruption risk, fraud, etc). – Remain up-to-date with legislation changes in Luxembourg and abroad, and provide advice of their impact and consequences (e.g. CSSF, FATF, EU, OFAC, etc.) – Perform regular monitoring to classify and declassify PEPS, RCA linked to different structures and update regularly PEP data base. – Perform client analysis, declare conflicts of interests and update Col data base. – Perform AML/KYC assessment of regulated and non-regulated counterparties. – Support senior management to draft and prepare initial SAR/STR for FIU.

– Participation of high performing teams in the AML/ KYC field dedicated to WaM sector performing following tasks: – Perform client due diligence for SuperMancos by doing KYC for distributors and intermediaries (banks and institutional investors) in Europe, US and APAC – Performing assessment, gap analysis and identifying AML and/or Compliance/Regulatory issues compared to the laws and regulations in force as well as internal policies. – Performing Onboarding and On-going due diligence of FI, PE, Funds, Insurance, and Commercial corporates. – Provide internal and external trainings with regards to AML/Compliance/Regulatory requirements (EU Directives and Regulations, EBA guidelines, Bank and FATF). – Perform quality check to several kyc files, such as investment funds, banks, trusts and general partners with SDD, CDD and EDD. – Perform audit of the AML Framework ( KYC testing). – Perform transaction monitoring of individual and corporate client accounts. – Assessment of complex organizational structures including Trusts, GP, etc. – Organization and coodination of intense workload in order to reply queries on time and provide any AML – Regular communication with CRM and / or clients to clarify AML/ Compliance queries. – Perform 4eyes check for Junior team members across different projects.

– Initiation and preparation of onboarding/recertification KYC process (e.g comercial corporates and Aviation sector). – Understands the purpose of each client on-boarding or recertification request and explains BNP Paribas KYC process to the client. – Conducts initial checks against internal data / databases to determine KYC information held within the bank and required documents to constitute "Kick-off pack" to be shared with clients. Additionally, defines the “onboarding/recertification specifications" including multi-site local requirements. – Collect, analyze, verify, and archive legal and Know Your Customer (KYC) documentation, identify Ultimate Beneficial Owners (UBOs) and Politically Exposed Persons (PEPs) and check sanction and embargo information. – Review embargoes, Vigilance to detect PEPs, and utilize other databases according to the local practice. – Propose a classification of the PEPs (High-risk or not). – Comply with and follow up on (international) regulatory requirements, such as the Foreign Account Tax Compliance Act (FATCA), AEOI (CRS) and Markets in Financial Instruments Directive (MiFID). – Trigger the recertification/ review on behalf of the SBO (especially for the scheduled recertifications).

– Analyze and identify the main risks, controls from official processes of the Bank and elaborate risk and control matrix for each process. – Adequate identified risks to Basel Committee risk categories and into the bank's Global Risk Matrix. – Elaborate Operational Risk framework and help the operational risk team in the enhancement of the risk management framework. – Validate new processes from core business and support areas to be implemented at the bank. – Develop and follow-up main KRIS and KCI. – Follow-up of risk appetite levels by monitoring Key risk indicators to make sure they are inside defined profile. – Record operational risk events from diverse source of information (ex. Workflow, Flexcube, Infoview, Outlook, etc.). – Prepare the loss data collection (LDC) from all events of the bank and identifying for each if there is financial lost or not. – Prepare all operational risk information for the Risk Committee presentation for the Board – Prepare the risk committee and risk management commission presentations for the board members. – Prepare reputational risk report quarterly. – Prepare several reports and internal documents (e.g. Risk policy, Operational risk policy and manual, Business continuity plan, Reputational risk manual and Risk profile policy). – Follow-up and update when is needed all risk processes, procedures, policies and share with quality department. – Prepare all presentations request for board members according to banks standards (e.g., Word, PowerPoint, Excel). – Provide formal on-job training to disseminate operational risk culture across the bank, with special focus at commercial and operations department. – Compliance risk – regular follow up of all fines that are imposed by the central bank and other governments institutions.

– Participation in projects in several sectors of activity such as Oil & Gas, TMT and Public sector – Oil & Gas: Administrative Support at an Insurance Training for one of the major Oil and Gas players – Oil & Gas: Big Internal Control project for the major Logistic Support Company in Angola with following activities: – Reengineering of several procedures from the following departments: Operations and safety (HSE) – Identifying the main risks and controls on the procedures and processes activities updating them into the Global Risk Matrix – Reengineering of all controls which were not updated to be tested – Assess the control effectiveness from the following departments: Development (Engineering), Safety (HSE), Human Resources, Marketing, Financial (Treasury & Invoices) – Validate evidence against criteria's / requirement of the test – Providing recommendations for non-effective controls – Oil & Gas: End-to-End Manual of processes to improve Internal Control Environment with following activities: – Interview the client to collect all needed information from Accounts payable and receivable section – Drawing by Visio Flowcharts and describe with high detail all activities – Validate final product with customer and senior staff member of the team