Francis Voiz

· Conduct KYC due diligence searches, reviewing existing client information, obtaining public documents, then initiating outreach for outstanding documents, ensuring they are gathered in a timely manner.

· Strong understanding of KYC and regulatory requirements to address client and internal stakeholder queries.

· Manage client follow -up and responses/acknowledgments, service level agreements and escalate as needed to AML, sanctions, and business partners.

· Act as a subject matter expert on KYC policies for Canada, Europe, US, UK Europe regions.

· Provide advice on KYC information and documentation requirements, addressing client and business questions relating to KYC requirements and applicable regulations.

· Be familiar with the RBC Capital Markets lines of business to identify and coordinate and follow up with relevant internal contacts. Liaise with Business Managers to provide status updates, raising any issues that prevent clients from completing the Refresh exercise.

· Be responsible for completing name screening after outreach and updating client profile on KYC record keeping system.

· Assess issues of potential non-compliance, provide recommendations and, together with the Team Lead and/or KYC Refresh Manager, work with areas involved to resolve.

· Improved operational methods and workflow by identifying, recommending, and implementing process improvement initiatives.

· Established and maintained good working relationships with lines of business throughout the organization by providing advice and counsel.

· Conduct KYC due diligence by reviewing client identifying documentation to ensure accuracy of files and completeness of files to meet regulatory requirements. Verify if there is any adversity on client and take risk-based approach to on-board a client and or to clear alert(s)

· Outsourced Financial Crime services to the Group’s subsidiary Bank in Bermuda & Cayman Island.

· Responsible for ensuring on boarding, periodic reviews, and trigger reviews are completed using the prescribed processes and within the mandated SLAs.

· Primary responsibilities include Acting as a subject matter expert in the application of Banks Regulatory and procedural requirements.

· Monitoring the overall performance of the Team and reporting/disseminating KPIs to relevant business functions and stakeholders.

· Identification, review, management, and escalation of higher risk clients including the risk assessment.

· Working with entities, wealth Management and Capital Market.

· Assist in the development and enhancement of reporting and controls to identify potential incidents of fraud and new fraud patterns.

· work closely with the team on the continuous design and development of our card transaction fraud engines by writing rules.

· Understand the different fraud patterns that CIBC clients face and define actions to stop them, balancing the experience of our good customers.

· Proactively look for ways to improve our systems.

· Analyze and thoroughly conduct investigation of personal/commercial banking accounts, flagging unusual transactions deemed suspicious.

· Educate customers on fraud risk and give solutions to manage/reduce future expected losses.

· Action referrals received from global security investigation and phone channel review transactional information as necessary to make decisions and take appropriate steps to mitigate risk to the bank.

· Review all necessary information to prepare for communication using the Analytics database: current and historical activity.

· Excellent use of proper judgment so as not to place the company or business at risk for potential legal exposure, reputational risk exposure, sales lost exposure.

· Create Data report on fraud patterns using SQL query.

· work closely with the Identify theft team.

· Provide support for clients by helping them to manage their accounts and products.

· Act like an owner by taking accountability for client issues and knowing when to lean on others to find the right solutions.

· Product Knowledge – Deeply understand CIBC’s suit.

· Proactively suggest credit card options that will help clients achieve their financial goals, based client profile

· Check bank guidelines and investigate based on client profile.

· Handles incoming calls in an informed, professional, and efficient manner.

· Addresses the most complex escalated customer requests and transactions.

· Provide support for clients by helping them to manage their accounts and products.

· Act like an owner by taking accountability for client issues and knowing when to lean on others to find the right solutions.

· Product Knowledge – Deeply understand CIBC’s suit.

· Proactively suggest credit card options that will help clients achieve their financial goals, based client profile

· Check bank guidelines and investigate based on client profile.

· Handles incoming calls in an informed, professional, and efficient manner.

· Addresses the most complex escalated customer requests and transactions.

· Processing retail and non-credit customer requests made through Electronic Banking Channel accurately.

· Analyzes lending applications to confirm security valuations and completes and approves credit applications for authorization in compliance with the Bank’s business banking lending policy.

· Integrates information from multiple sources to enable more efficient processes, enhance analysis, and/or streamline reporting.

· Performing wide range of processes including Income Verification, E-Mortgages, Loan/PLC payment payouts and changes using some independent judgment and extensive knowledge.

· Verify documentation (e.g. account opening documents and signing authorities, maintenance, personal loan, retail loans, PLC) received from Branches as required to ensure accuracy of documentation in accordance with established procedures.

· Communicate with internal stakeholders (Branches/telephone bank) regarding discrepancies or missing documentation to follow-up as required and hold documentation pending receipt of missing information such as AML update or income documents.

Used SharePoint to share information with other team members