ARJUN KEEPILAN CAMS

• Transaction monitoring on daily basis both manually and using AI powered Transaction Monitoring System to identify potential illicit activity through 30 different rules and scenarios. • Using TMS to understand customer risk profile, Business Intelligence, Transaction Type, Transaction Trends, Scenario Risks and Rule Violation. • Investigate the Suspicious Transaction Reports (STR) and Suspicious Activity Reports (SAR) raised by the customer-facing personnel and obtain documentary proof of ISTR and ensure effective record keeping of ISTR identified and report to the CCO and further to CBUAE • Sanction screening for daily Remittance, Incoming Transactions, FCY transactions, Prepaid Card Transactions and New Customer Onboarding's to verify the suitability and Sanctions, Reputational, and Adverse Media screening. Up to date with OFAC and EU sanctions and applying Specially Designated National and Block Persons (SDN) checks on blocked transactions with compliance • Performed Batch Screening and Delta Screening using Automated Sanctions Screening Tool quarterly/ periodically for whole customer portfolio and RFI on possible matches. • Performing Periodic Reviews to verify the suitability and Sanctions, Reputational, and Adverse Media screening. Up to date with OFAC and EU sanctions and applying Specially Designated National and Block Persons (SDN) checks on blocked transactions with compliance • Reviewing and Raising of PEP Customer matches identified by the Team members for further Management approval as per the organization policy. • Working on live transactions screening, reviewing supporting documents, verifying transaction purpose, items, customer line of business, end usage, end user details, and final-destination aimed at identifying transaction risk rate effectively to ensure transactions are inline with international & Local AML / CFT Policies and procedures. • Check completeness of trade documentation in Transactions (DRIC, CDF, Bill of Lading, Trade Contract, Goods Declaration, Import/ Export Form etc.) for TBML risk. • Coordinating with correspondent banks for queries or other compliance related issues and assist in preparing responses to the AML questionnaires requested by correspondent banks. • Ensuring that the Mandatory reporting of RRS, ERF and GoAML in CBUAE portals • Specialized in Regulatory Reporting for CBUAE FIU (Financial Intelligence Unit) IEMS Search Notices, Freeze Notices, GoAML Requests and other queries arising from CBUAE and other Law Enforcement authorities and ensuring to update the CBUAE Prohibition Notices in internal Internal Watch listand Internal Block list. • Reviewing KYC of Individual and Corporate and visit the location of Corporate Clients those are requested by the Sales team for registration and approve upon completion of Enhanced Due Diligence • Overseeing the entire customer onboarding process: KYC document verification, conducting risk assessments, identifying Ultimate Beneficial Owners (UBOs), ensuring data quality for customer profiles, and finalizing onboarding approvals post-sanction screening, PEP screening, adverse media searches and customer risk rating • Identification of gaps and mitigation plans, Review and recommend changes in Compliance systems i.e., AML monitoring system or screening system. Also ensuring to conduct periodic testing in UAT level and Live as assigned by MLRO • Coordinate with Internal and External auditors for the independent audit • Providing ongoing support to maintain and uphold the compliance program and Assist with any ad-hoc tasks that may be assigned by Line Manager or MLRO.

• On boarding Individual and Corporate Clients • Coordinating with Compliance Department regarding Compliance and AML/CFT matters. • Ensuring all Customer KYC are accurate and Completing all the Compliance Checklist • Monitoring day-to-day transactions of the branch for any unusual ones and report to the Compliance Department at the Head Office. • Taking instructions /approval from the Compliance Officer, Compliance Department and reporting on all matters regarding AML Compliance. Responsible for the safe keeping of the AML related documents of the branch. • Responsible for the archiving of all related files and when required, retrieving the files from the achievers for proceeding five years.

• On boarding Individual and Corporate Clients • Attending the customers for making DD, Telex Transfers, Electronic Transfers. • Receive/issue cash transaction instruments like Remittance, Foreign Currency Exchange, TT, and Value Added Services transaction payments etc. • Reconcile all end day transactions prior to leaving the branch to ensure that all cash receipts & delivery are in order with business transactions. • Complying to Organization's AML Policy & Procedures.