Junaid Shaheen

• Provide training to all new analysts and quality checkers. • Checking all files which have been flagged by DNB (Dutch National Bank) and to present in front of senior management. • Constantly improving working instructions in line with process and procedures. • Give one to one feedback to all from reviewing their files and share knowledge. • Weekly meeting with company lawyers, client team and directors in relation with gaps and risk indicators. • Being the first point of contact for high risk and non-acceptable files. • Applying 4/6 eye checks on medium and high-risk files. • Drilling down of complex structures' ownership for high-risk entities such as Funds, Trusts, SPVs, Funds to identify the UBO for verification of SOW & SOF. • Ensure negative news is appropriately documented and any mitigating factors identified. • Act as a subject matter expert for all queries from analysts.

• Carrying out KYC/AML checks on high risk clients from Belgium, Luxemburg, France and Switzerland and presenting files for approval by compliance panel. • Performing and validating files of high net individuals in line with Tax and regulatory requirements. • Daily meetings with private bankers regarding compliance, regulatory and tax related matters. • Ensuring suspicious activity, sanctions, PEP’s are fully investigated and fully documented. • Provide one on one feedback to analysts regarding transaction monitoring and KYC processes.

• Delivered effective AML/ KYC training to new joiners. • Acting as third line of defence to ensure all KYC reviews, and screening are carried out properly and documentations are up to date. • Perform EDD (Enhanced Due Diligence) and CDD (Customer Due Diligence) on both high risk and medium clients in line with KYC regulations • Write and prepare suspicious activity reports (SARs) • Periodic and event triggered review of medium and high-risk entities and complex structures. • Carrying out end to end remediation on customers and escalating as appropriate. • Drilling down of complex structures' ownership for high risk entities such as Charities, Trusts, SPVs, Funds and Limited Liability Companies and Partnerships to identify the UBO for verification of SOW & SOF. • Performing Identification & Verification of PEPs associated parties and UBOs within entities using different tools such as World Check Dow Jones, Factiva.

• Acting as first point of contact for all KYC analysts for any issues in relation to policy. • Working for their client “RBC” under various booking jurisdictions. • Completing profiles for different entity type. • Provide final approval on the AML risk rating on all clients to ensure that all appropriate due diligence has been done. • Review alert closure codes by analyst and investigate any potential issues. • Identifying all key controllers and beneficial owners. • Formally track and report results of QA to coverage areas. • Applying 4/6 eye checks. • Training KYC analysts and giving them constant feedback. • Performing Sanctions screening and PEPs identification. Reviewing potential negative news hits across Global Client Management divisions.

• Creating free format letters with detailed evidence to support my decision • Generating and typing bespoke letters addressing a wide variety of audiences including customers and their representatives (solicitors, brokers, third parties etc.) • Rapidly adapting to become competent with over seven different systems to ensure a timely response when undertaking complaint investigations • Investigating end to end complaints by reviewing mortgage applications, following up with clients, solicitors, estate agents and insurers • Meeting constant expectations considering productivity, quality, recording complaint details accurately on all relevant systems and databases with strong rationales • Identifying Vulnerable Customers or those experiencing financial hardship

• Calling clients globally and assist them with the migration on the new system. • Working actively via Bloomberg Terminal and entity exchange platform. • Educating clients about the product, assist with implementation process and provide them with user training. • Liaising with clients directly as well as with contracts, sales, compliance and legal divisions within the London office and across Europe. • Generating requisite documents, answering client queries, verifying client information and following up regarding contracts in order to help complete the full onboarding cycle. • Assisting the wider team with any additional administrative requirements to meet clients' needs. • Assisting senior manager with planning, monitoring and controlling the project • Coaching and actively produce project deliverables

• Extensive SME knowledge of various rectification work stream mortgage process for all business areas • Monitoring team performance & offering coaching / training support and signing off • Complying by Treating customer fairly policy and data protection to help achieve a safe and fair outcome for customers. • Providing staff support for team managers, managing complaint escalation handling and analysing problems and counter measures for team members • Motivating staff via promoting great customer service and sharing best practice • Preparing contact progress reports when required by the client

• Responsible for QA reviews of surveillance items flagged as potentially suspicious transactions and items identified as potential matches to adverse media alerts, designated sanctions targets and prohibited persons lists and AML Compliance testing • Work to standardize QA process (e.g., sampling) for all coverage areas • Review alert closure codes by analyst and investigate any potential issues • Formally track and report results of QA to coverage areas • Identify and coordinate training needs, policy/procedure revisions, standardize alert review process and other needs identified during the QA process with the AML Global QA Manager and the Global Policies, Procedures and Training Head • Provide training sessions as needed on training gaps, new technology/process • Perform QA for “below the line” testing of Transaction Monitoring System scenarios, alert scoring engine and any other AML models •  Analyse and provide approval of KYC documentation, information, research and Due Diligence Forms (DDF) for existing clients • Assess client organisational documents, ownership structure and records completion and accuracy and to determine appropriate AML due diligence requirements • Exercise independent evaluation around sufficiency of mitigating factors for any AML related deficiencies or risks • Liaise with internal teams discuss AML/KYC requirements and convey KYC approval status • Effectively communicate and resolve deficiencies contained in records with KYC Officers • Analyse and compare actual and expected high-risk transaction activities, monitoring alerts and conducting investigations into suspicious activities • Ensure negative news is appropriately documented and any mitigating factors identified • Confirm that any escalations are appropriately addressed • Provide final approval on the AML risk rating for each client, ensuring that all appropriate due diligence has been done

• Oversee the project from start to finish, including all build phases. • Perform a key role in project planning, budgeting, and identification of resources needed. • Create the teams, develop the objectives/goals of each and assign individual responsibilities. • Project accounting functions including keeping an eye on the budget, tracking of team expenses and minimizing exposure and risk in the project. • Ensure that activities move according to predetermined schedule. • Devise the project work plans and make revisions as and when need arises. • Communicate effectively with the contractors responsible for completing various phases of the project. • Monitor the progress of activities on a regular basis and hold regular status meetings with all the sub-teams. • Maintain strict adherence to the budgetary guidelines, quality and safety standards. • Ensure project documents are complete. • Identify the elements of project design likely to give rise to disputes and claims. • Serve as a key link with the clients and review the deliverable prepared by the team before passing onto client.

• Provide a robust evaluation service in-line with published specification • Evaluate funding bids from education institutions and employment agencies. • Undertake independent evaluation of allocated bids and required joint self-moderation • Make decisions in a fair and equal manner against set funding criteria. • Utilize online evaluation system to record and produce high-quality, accurate and concise rationales to support your decision-making. • Revise rationales, as required, following self-moderation and qualitative checks. • Ensure compliance with confidentiality regulations and declare any conflict of interests • Meet agreed evaluation targets. • Interpret written and numerical information and summarize findings concisely. • Attend all mandatory training sessions and keep beside of any updates and changes to guidance documents. • Classroom facilitator - provide in-depth training to all new starters, upskilling them on system use, product knowledge and evaluating BIDs