KOKHILA VANI BALAKISHNAN

• Review and Revision of AML/CFT Policy & ABMB/AIBB's Standard Operating Procedures (SOP), SOP in Handling Possible Mule Accounts.
• Review and Revision of AML/CFT Group AML/CFT Internal Guidance documents for Transaction Monitoring, Suspicious Transaction Report, Cash Threshold Report, Enforcement Orders, Payment Filtering & WLM Management.
• Periodic reporting to Group Chief Compliance Officer, Management Committees etc
• Provide Advisory to stakeholders on the requirements from AMLA Act 2001, BNM Policy Document on AML/CFT, SC Guidelines on AML/CFT, Bank-wide AML/CFT Policy and SOP for AMLCFT
• Provide AML/CFT advisory and support through the completion of the independent Group Compliance Risk Assessment, GCRA prior launch of the following bank's strategic initiatives/Covid-19 initiatives/new digital propositions
• To examine regulatory requirements and conduct gap analysis/ attestation of compliance to ensure AML/CFT gaps are addressed and mitigated.
• Conduct Induction Training on AML/CFT awareness as and when required.
• To provide AML/CFT advisory to FI Services on Correspondent Banking relationship. Review and provide advisory and recommendations on KYC/CDD, Wolfsberg AntiMoney Laundering Questionnaire, AML/CFT Policy statement, PEP screening on Board of Directors, Senior Management and beneficial owners.
• To act as liaison officer for AML/CFT Unit for all AML/CFT audit / review by GIA and regulators

· To supervise and review AML alerts to ensure proper and timely investigation and disposal of Transaction Monitoring Alerts, Sanction Alerts, PEP Alerts, Group Compliance List Alerts, Mobile Foreign Remittance Alerts for identification of suspicious transactions and reporting of suspicious transactions to FIED, BNM as per AML/CFT requirements

· To involve in the UAT, implementation and enhancement of AML System

· To review and make recommendation on transaction monitoring threshold limit under the annual review

· To review and make recommendation on new transaction monitoring parameters for new business / new delivery channel or new AML/CFT risks identified in the course of the transaction monitoring investigation and review

· To liaise with branches, business units, operation units, regulators and law enforcement authorities on AML/CFT related matters

· To review and approve recommendations make by AML Analysts for all AML alerts i.e. transaction monitoring alerts, sanctions alerts, Group Compliance List alerts, Mobile Foreign Remittance alerts and PEP alerts

· Review STRs submission by AML Analyst for submission to Head of AML/CFT – Compliance for concurrence

· Act as a point of referral for new employees within the team in preparing STRs.

· To ensure appropriate conclusions have been made by AML Analysts and when a case is to be routed to the BNM (Bank Negara Malaysia) to proceed with STR (suspicious transaction report).

· To ensure AML Analyst achieve their daily targets as well as fulfilled AML alert TAT

· To review case summaries of AML Analysts and to conduct review on investigations.

· To execute quality assurance (QA) testing of work performed by AML Analysts.

· To assist Head, AML/CFT Unit on any ad-hoc AML/CFT-related matters.

• Assist in referral and cross selling of deposits/investment/bancassurance/ banca takaful products & cross selling activities towards achieving branch target.
• Monitor GL entries e.g sundry, deferred accounts, etc and ensure timely the timely reversal.
• Responsible for identifying, assess and monitor Money Laundering (ML) and Terrorism Financing
• To ensure staff awareness in relation to Anti-Money Laundering (AML) and Counter Financing Terrorism (CFT)
• To conduct transaction monitoring on new business transactions and ongoing transaction reports.
• To review and analyze if there is any name match in the database.
• To recommend reporting to Head if the name fully matched any name in the database.
• Ensure an efficient customer service level to SLA as well as to alleviate any customer's complaint.
• Relief duties - BM.
• Involve and contribute to any special project organized by branch.
• Effectively control and monitor cost as per approved budget.
• Compliance with regulatory requirements on FS/IFSA, PDPA, FEA, FATCA, CSR, PCT, AML Alerts, CDD, ECDD, etc.
• Satisfactory audit rating and issues raised are resolved within specified time frame.
• Branch operation risk coordinator for implementation of Operational Risk Management and Methodologies.
• Handling and managing Risk Control Self-Assessment (RCSA).
• Timely submission of Loss Data, Monthly, Quarterly, Half Yearly reporting of Key Risk Indicator and Risk Control Self-Assessment to Head Office.

• Manage daily banking operations of branch in the absence of Branch Manager.
• Assist Branch Manager in implementing business development strategies for assigned branch.
• Provide warm, friendly and welcoming atmosphere for both employees and customers.
• Provide quality and exceptionally services to customers.
• Assist Branch Manager to achieve sales target and projected profit.
• Select, train, supervise and evaluate the branch staff to enhance individual productivity and enable them to function according to job description.
• Assist Branch Manager to operate the branch in line with company procedures and policies.

• To deliver excellent quality of customer service towards internal and external customers.
• To ensure branch operation runs smoothly and adhere strictly to BSP for all operational procedure.
• Execute operational tasks as assigned by Branch Head.
• To be responsible for fixed assets in the branch, to handle and use with care, and report defects/issues in timely manner.