Monisola Owolabi

– In my capacity as senior approver within the fenergo KYC/AML onboarding and remediation framework, I was responsible for the final control and quality assurance of all clients' due diligence files processed via the fenergo platform for onboarding, periodic reviews, and event-driven reviews. I served as the critical compliance gatekeeper ensuring all data and documentation met internal policy standards and were fully aligned with Luxembourg AML/CTF regulations as well as international best practices (FATF, WOLFSBERG). – I held senior-level approval rights within fenergo to review and approve KYC files across various risk levels (standard to high-risk), ensuring accurate configuration of risk scoring, document checklists, and workflow stages as well as conducted thorough validation of client risk profiles, entity types, ownership hierarchies, and regulatory flags using Fenergo's data capture and dynamic rules engine. I assessed FATCA/CRS classifications, PEP/Sanctions hits, and source of wealth information within the platform prior to sign-off. – I exercised final sign-off authority on KYC files processed through the Fenergo platform, ensuring accurate risk rating, full documentation, and regulatory alignment prior to onboarding, maintenance, off boarding or periodic review completion and conducted in-depth assessments of beneficial ownership, control structures, and source of wealth/funds in accordance with Luxembourg AML/CTF laws and the firm's global risk framework. – My role allows me to oversee the end-to-end Fenergo case lifecycle (initiation, screening, documentation, approvals), including resolution of data gaps, rule breaches, and escalations. Worked closely with Compliance to resolve workflow exceptions and ensure files moved to a "ready for onboarding" or "review complete" state. – This role required a deep functional understanding of Fenergo's onboarding platform, workflows, data model, and rules logic, as well as knowledge of migrating client to the platform. My contribution directly supported the institution's ability to onboard clients in a controlled, compliant, and scalable manner.

– As a Sanctions Analyst and AML Consultant at Deutsche Bank, I played a critical role in ensuring compliance with international sanctions and financial crime regulations. I supported due diligence processes across the client lifecycle, conducting KYC reviews, sanctions screening, and financial crime risk assessments to mitigate exposure to illicit activities. – My primary focus was ensuring that client transactions adhered to market abuse regulations, trading manipulation safeguards, and sanctions compliance protocols. I conducted in-depth investigations into financial crime-related alerts, verified potential sanctions matches, and ensured all client relationships met KYC and due diligence standards. – By collaborating closely with the relationship management team, I facilitated seamless compliance with both internal policies and external regulatory requirements. Additionally, I contributed to strengthening the bank's transaction monitoring controls by drafting detailed compliance reports, escalating potential risks, and enhancing overall risk mitigation strategies.

– Conducted due diligence on high-risk corporate clients, including verification of UBO structures and source of funds. – Performed PEP and sanctions screening, assessing potential reputational and regulatory risks. – Identified suspicious activities and escalated cases for further review by the financial crime team. – Ensured compliance records were accurately maintained and updated to reflect ongoing monitoring.

– Reviewed financial crime investigations, ensuring adherence to AML regulations and internal compliance policies. – Conducted transaction monitoring, identifying patterns of potential money laundering or illicit activities. – Assisted in the preparation of SARs for escalation to financial authorities. – Provided compliance guidance to client-facing teams, ensuring consistent application of regulatory controls.

– Managed high-risk client remediation cases, ensuring all KYC documents met compliance requirements. – Conducted detailed transactional analysis and adverse media screening. – Worked closely with internal stakeholders to ensure risk assessments were aligned with company policies. – Escalated red flags and provided recommendations for risk mitigation.

– Reviewed high-risk financial transactions, ensuring compliance with AML policies. – Performed risk assessments on clients using risk factors such as jurisdiction and transaction analysis. – Monitored accounts flagged for potential suspicious activities and escalated concerns to relevant teams. – Trained new joiners on AML compliance best practices and risk-based approaches.

– Conducted AML screening for sanctions compliance and financial crime risk mitigation. – Assessed high-risk clients and conducted detailed due diligence investigations. – Reviewed transaction monitoring alerts, ensuring timely identification of suspicious activities. – Provided recommendations on compliance enhancements and risk control measures.