Joshua Franklin

• Verified entity details including name, date of birth, address, and identification number for account holders.
• Oversaw acquisition of beneficial owners' identities for entities holding accounts.
• Assessed risk levels of account holders based on geography, business nature, cash reliance, and funding sources.
• Retrieved supplemental customer information in compliance with legal requirements.
• Classified customers as 'Politically Exposed Persons' per regulatory guidelines.
• Conducted periodic research on customer activities through public domain services.
• Identified areas where additional training is needed for staff members on detecting fraud.
• Worked closely with internal teams such as compliance, legal, and operations to ensure adherence to anti-fraud regulations.

• Review system alerts and the impact on name screening processes, research, and document results.
• Investigate and process first-level alerts, PEP alerts, watchlist alerts, and negative media alerts.
• Generate documentation for customer identification and negative news compilation of data.
• Based on the customer information and the Watchlist information a determination needs to be made whether additional information (RFI) is required, or case can be closed or escalated.
• Having 9 years of experience in AML – Transaction Monitoring, conducting quality control 4-eye checks in the assess stage.

• Led multiple AML projects, ensuring regulatory compliance and risk mitigation for financial institutions.
• Developed robust AML frameworks, policies, and procedures to enhance detection of money laundering activities.
• Implemented advanced technologies for AML KYC framework, including identity verification and transaction monitoring.
• Guided clients through regulatory audits, providing strategic advice on anti-money laundering regulations.
• Executed a new business development strategy, achieving significant client acquisition and 20% revenue growth.
• Managed key projects such as AML Compliance Transformation and KYC Optimization and Automation.
• Ensured adherence to KYC and CDD requirements during client onboarding processes.
• Conducted suspicious activity reporting to regulatory authorities in compliance with AML standards.

Conduct AML/KYC reviews for various clients, including TA Investors, Funds, Brokers, and Sub-custodians.

Monitor daily and monthly transactions for compliance with OFAC, EU, CSSF, and CIMA sanctions.

Define the Customer Risk Assessment (CRA) and implement the Compliance Monitoring Program (CMP).

Stay current with local and European regulatory updates, assessing their impact on policies and procedures.

Conduct reviews for high-risk clients and monitor risk events, including market, liquidity, counterparty, and operational risks.

Contribute to risk management reports for AIFs and Manco.

Perform compliance monitoring to ensure regulatory compliance.

Assist the Compliance Officer/MLRO with compliance monitoring, policy updates, and report generation.

Managed fraud investigations and chargeback handling to minimize risk and losses.

Reviewed alerts generated by the system for transactions across retail and corporate segments.

Investigated and resolved AML-related and economic sanction alerts to identify suspicious activities.

Conducted enhanced due diligence on High Net-worth and Ultra High Net-worth clients.

Assisted in KYC/CDD/EDD reviews in compliance with Standard Chartered GBS standards.

Executed projects related to HNW/UHNW remediation and sanction client remediation.