Lywal Akin

Second line of defense review and approval on existing high-risk, Special High Risk and Sanctioned clients. • Identifying and verifying Source of wealth/Journey of wealth • Drill down of corporate ownership structure to ensure onboarding meets regulatory guidelines. • Transaction monitoring using tools like Globus to trace financial transactional history of clients to monitor and report suspicious activity. • Conducting periodic training to CRO’s and other relevant parties to ensure laid down Processes are followed and within regulatory guidelines. • Qualitative analysis of client’s profile, including but not limited to financial breakdown, Educational background and calculation of investment portfolios to determine if it corresponds With Asset under Management (AuM). • Analysis of sanctions related entities and SDN individuals to assess rationale for business Relationship.

• Worked closely on regulatory guidelines of European Fund Administrator to ascertain positions of regulated entities and Closed Funds • Conducted end-to-end KYC on Transfer Agency (regulated entity) by requesting ASL,AML letter, Ownership structure, Trade Register, Proof of Regulation & conducting Screening • Requested additional KYC documents from Manco (Management Company) who act as agent to determine risk appetite • Performed Enhanced Due Diligence (EDD) on complex structures, SPV, Hedge Funds and Trusts etc. Established work practices, policies, and procedures • Dealt with different types of company structures such as Charity, Trusts, Fund’s, regulated entity etc in different Jurisdictions • Investigated high risk clients and reporting where necessary, including Politically Exposed Persons, and obtaining all necessary documentation to complete the client file • Provided guidance around Sanctions and PEPS screening / investigations • Managed alerts due to name screening or incoming cash flows mismatched items • End to end periodic review/remediation and On-boarding of Individual customers and entities including SPV, Trust, Hedge funds, Pension, Limited investors, LLP and charities

• Conducted end-to-end KYC on Guarantor and Borrowers to bring their files up to date • Used the Prospectus to determine if there is General Partner additional Authorised Signatories so as to have a full capture of the client's profile • Performed Sanctions screening and PEPs identification as well as reviewing potential negative news hits across Global Client Management Divisions • Conducted daily Transaction Monitoring Report by reviewing account transaction of high risk customers and PEPs and investigation of any unusual activity on accounts and writing of daily annotation report to the Money Laundering Reporting Officer (MLRO) • Secured, analysed and evaluated documents for KYC profiles remediation and undertook AML assessments for high risk customers • End-to-End periodic review/remediation and On-boarding of IB customers and Entities including SPV,Trust, Hedge funds, Pension, Limited investors, LLP and charities • Reviewed and assessed the AML and reputational risk associated with client review • Performed client due diligence and screening for PEPs, Sanctions, Adverse Media etc., utilised number of trusted industry sources • Dispositioned screening alerts, making a determination on true or false matches and escalated if required • Thoroughly documented investigations and analysis completed on clients and/or matters in a manner suitable for review by internal and external stakeholders e.g. Regulators, Audit, AML Compliance Manager • Performed and reviewed client and matter risk assessments and make risk-based decisions based on the analysis undertaken • Performed investigations where there are ML/CTF suspicions regarding clients and/or matters and escalated findings clearly and concisely for internal review by the AML Compliance Manager,MLRO • Management, New Business Intake, AML Compliance Manager, MLCO, MLRO • Assisted with any other AML Compliance related matters or projects as identified and assigned by the AML compliance Manager

• Ascertained and verified customer's source of wealth and source of funds documents in order to have a clear and robust understanding on how customer had amassed wealth over time. • Identified authorised signatories and delved into complex ownership structures to capture Ultimate Beneficial Owners with percentage threshold so as to conduct full adverse media screening. • Used Zendesk to retrieve background information about client, their legal form, legal existence, proof of registration and to identify additional related parties • Took charge as the point of contact for KYC queries, monitoring the KYC inbox, and coordinated with relevant teams to obtain all required information • Managed new broker onboarding requests from across the group and oversaw the entire process end to end • Performed due diligence checks on all new counterparties as required

• Acted as the contact person for assessing and opining on complex AML/KYC/Sanctions matters/transactions, including the necessity to escalate, when appropriate . • Proactive management of case pipeline throughout the end to end process • Ensured Quality Target is met in line with productivity targets • Maintained personal compliance of operational and regulatory risk • Researched and analysed AML/KYC due diligence information on a range of counterparties with different legal structures and in various jurisdictions.

• Investigated customer's SoW/SoF and traced current financial standings to leverage historical transactions of each account • Performed transaction review analysis to determine debit and credits and looked out for financial transactions that exceed thresholds • Reviewed customer's frequency of transactions and advised if account meets Business expectations • Lead execution of design and operational effectiveness testing of clients' financial crime risk management controls including due diligence, transaction monitoring, screening, and suspicious activity reporting processes. • Planned projects and assignments, including those with multiple work streams. Coordinate and allocate work to junior team members, track, and report on progress internally and to clients • Drafted, revised, and presented client deliverables, including but not limited to reports, policies and procedures, presentations, and correspondence

• Conducted full transaction analysis dated back to 1year in order to capture any potential red flags on customer's account • Initiated customer outreach to request outstanding documentations and seeking clarifications on information pertaining to grey areas/suspicious activity • Thoroughly queried cheque(s) receipt to verify source of funds • Conducted gap analysis on customer account and leveraging off on the discrepancy to determine if event driven review is required, at what frequency and advice either to rather exit or keep a customer • Investigated and rationalized purpose of funds transferred and conduct further search on remitter to establish strong connection as to why transaction was carried out • Filed SAR report to escalate cases to NCA • Conducted KYC on all cases to identify ultimate beneficial owner, related parties of customer in order to leverage off previous years account activities to confirm if customer's current economic profile matches. • Articulately wrote professional and analytical reports after review to identify gap analysis on customer's nature of business, account activity and financial movements in customer's account. • Identified, mitigated and possibly escalated any potential risk found in the process of report drafting • Use of Compass, Atlas , FCCOS applications to store and document review findings and also use FCCOS to outreach to customer for any pending documentations

• Identified, investigated, and documented reports of unusual or suspicious transnational/ cross - national and local activity • Suspicious activity reporting of client life cycle (SAR) and their financial economic profile • Monitored client's spending habits and compares financial life style to meet current economic profile • Used social media, internal system to match client's lifestyle and assess their financial standing • Made use of Equation, RMS, FCCM and Data store to gather suspicious alerts about our client and applying a good rationale to disposition/discount negative alerts • Investigated financial incomings (credits) and outgoings (debits) to ascertain if it meets targeted threshold of our client • Analyzed and conducted investigations of potentially fraudulent activity to ensure minimal loss to the organization • Coordinated cross-functional communication to resolve fraud situations and provide recommendations for resolving same • Took the necessary steps to prevent losses or further compromises by changing or updating the status of vulnerable cards/accounts and placing on holds to avoid losses

• Performed remediation and / or periodic reviews on clients • Worked out NACE codes to leverage off available information from the Business •Used Handel register to confirm all legal existence of clients in DE(German adoption location) • Conducted screening via Fircosoft /Lexis Nexis & RDC to mitigate risk of onboarding PEPs, RCA's and SIP's • Utilized Orbis Report to capture ownership information, nature of business, legal form, Date of Incorporation etc. •Identified and assess ultimate beneficial owners within complex ownership structures • Gathered and analysed KYC documentation in accordance with the Banks AML policy requirements to identify AML risks associated with the client, and assess overall risk for categorization • Investigated Wolfsberg/AML Questionnaire to ensure all needed data points were captured • Outreached to Business to request documentary evidence on nature of business

• Performed end -to-end Case Management & Business/Client Outreach process for CDD/EDD case profiling. •Engaged in day to day communication with high net worth clients/ Business sponsors to request documentations and affirmations on clients in relations to lingering blockers •Filled out KYC/AML client questionnaire to confirm requested information & documentation by ensuring request were mainly for targeted use/purpose •Filled out ownership structure of each clients and determining their Relevant Beneficial Owners (RBO's), authorized signatories, UBOs, Legal Representatives etc. •Ad-hoc priorities of engaging in screening via COSIMA (Compliance Structure Intelligence Management) & RDC (Regulatory Data Corp) with the use of repositories like Smart Client, COT / Fenergo to obtain extra documentations • Liaised with internal and external stakeholders daily to support and educate clients on KYC initiatives of the bank on general KYC/AML requirements