katlinvijard

I established, led, developed and implemented the Company and Group Compliance´s strategy and risk management framework (policies, procedures, systems and controls). I monitored and investigated HR alerts in the blockchain using Chainalysis KYT Reactor. I dealt with outgoing and incoming RFIs. I performed high risk EDD reviews, risk assessments and provided approvals/rejections for both periodic reviews and onboarding cases. I was responsible for interaction with the Estonian FIU, including SAR submission, licence renewal matters, reporting, notices and equivalent as well as reporting to regulators, stakeholders and management board. I liaised with auditors and legal counsels. I provided good quality and easily understandable ad hoc AML training to Risk Operations when needed as well as help and guidance to the entire firm on various AML matters. I successfully passed the FIU interview where I was assessed by the regulator as an acting AMLCO for VASP. I reported various SARs to the FIU and received excellent feedback regarding the content and thoroughness of the reports.

I reviewed, maintained, updated and developed AML policy framework – including policies, procedures, guidelines, CDD/EDD work instructions and TM scenarios. I was responsible for interaction with the Estonian FIU; including SAR submission, licence renewal matters, reporting. Provided help and guidance to the entire firm on various AML matters.

I ensured that all AML related requirements were met in the establishment and operations of the Swedbank Pay/PayEx AB/Merchant Acquiring business area in Estonia, Latvia and Lithuania. I took on the role as AMLCO/MLRO Estonia for the newly established subsidiary PayEx Estonia and was responsible for the entire setup of the Baltic AML Unit together with the Head of AML in Visby, Gotland. Liaison with the local FIU and FSA in three Baltic countries in regards to the licensing and 3 entities’ setup from AML point of view. I drafted, maintained, and implemented internal regulations and routines, adopted to national regulations (3), developed and improved AML related processes and systems. Provided assistance and guidance to the organisation in various AML matters. Liaised with legal counsels across the Group and provided KYC and AML related input for agreements during various taskforce meetings.

Performed EDD and QC on high risk HNWI/UHNWI customers and SPFs, and QC reviews of EDDs to ensure completeness and accuracy.

I performed TM as part of 1LoD: specifically on current accounts and securities transactions involving various AML scenarios such as round payments, HR jurisdictions, HR customers, non-residents, smurfing, monitoring of LLPs and LPs, sanctioned countries, NGOs, PEPs, cash-in-cash-out, cryptocurrencies, securities DVP/FOP deviation. I investigated internal UARs of various nature and escalated to Compliance, when necessary. Created cases in Nice Actimize for final Compliance review and prepared preliminary SARs for reporting as part of 2LoD.

I drafted an AML Risk Assessment and Risk Appetite for an Estonian VASP based on Estonian FIU recommendations and current AML legislation. I also developed an AML/CFT Policy and participated in the creation of an appropriate compliance framework and various procedures.

I completed all levels of periodic KYC reviews across various jurisdictions globally in line with local regulatory and policy standards. I specialised in Banks, FIs, Funds, MSBs, SPVs. The two main projects were CDD on SPVs/their respective Commercial Paper programmes and compliance with US FinCEN requirements.

across multiple organisations and sectors in the City of London, UK, including Market Research, Legal and Property Management.