Rose Lefebvre

Led quality control for KYC/KYB and Sanctions/PEP processes across two teams (40 staff in Romania, 14 in France). Supervised and validated High-Risk KYC files and partner due diligence (KYB). Designed and implemented a comprehensive control plan to present to regulatory authorities. Reviewed, updated, and improved KYC/KYB procedures in accordance with regulatory requirements and audit recommendations. Responded to requests from European regulators: Bank of Italy, Austrian, Latvian, and French authorities. Implemented internal control and external audit recommendations. Monitored compliance indicators, including calculation and analysis of compliance rates. Conducted sectoral risk analysis to identify sensitive activities and emerging risks.

Provide expert support and guidance to business units on KYC compliance processes and procedures. Conduct comprehensive Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) reviews for high-risk clients, including the verification of client identities, risk classification, and financial crime assessments. Perform regular screening of clients and related parties against sanctions lists, PEPs, and watchlists. Assess and update KYC files, ensuring compliance with legal and regulatory requirements. Lead loan renewal processes, ensuring full compliance with KYC/AML regulations. 

Spearheaded the onboarding process for high-risk clients, including conducting full client screenings, risk assessment and preparing files for EDD committee. Liaising with multiple departments (Credit Risk, Onboarding, Compliance, FCC) to ensure all documentation was obtained and verified. Specialised in analysing Statements of Wealth (SOW) and Source of Funds (SOF), ensuring adherence to regulatory standards. Led transaction analysis for clients engaged in high-risk jurisdictions, mitigating financial crime risks. Achieved accreditation from RSM for high-quality analysis and compliance audits.