April Tay

• Oversaw end-to-end AML/KYC due diligence and compliance matters under the CMS license framework. Developed and enhanced compliance frameworks, policies, and the Enterprise-Wide Risk Assessment (EWRA) to strengthen internal controls. Provided regulatory advisory support to business units, including cross-border fund marketing requirements and monitored regulatory developments impacting operations. Delivered compliance training to staff and led ad-hoc projects to ensure alignment with evolving regulatory standards.

• Deputized as Head of Compliance and Deputy AMLCO. Managed CDD for corporate banking and financial institutions, handled MAS inspections and oversaw compliance testing programs. Reviewed new products, outsourcing activities and implemented AML systems and Enterprise Governance, Risk, and Compliance (EGRC) frameworks to monitor compliance risks.

• Led KYC/CDD for corporates, individuals and correspondent banks. Managed transaction monitoring alerts, STR preparation, and regulatory correspondence with MAS, CAD, and IRAS. Enhanced watchlist management processes, introduced risk matrix tools for correspondent bank reviews, and supported audits and inspections.

Reviewed and investigated AML transaction alerts across APAC, escalating significant cases as needed. Supported system calibration, UAT and rollout of a new transaction monitoring system. Provided post-implementation support and optimized monitoring thresholds.

• Managed and mentored a team of 7 analysts performing centralized AML/CFT reviews. Oversaw PEP, sanctions and transaction monitoring investigations using NORKOM. Conducted UAT for system enhancements and delivered compliance training and quality assurance reviews.

• Reviewed client transactions, prepared and filed STRs and coordinated regulatory requests. Maintained bank watchlists, supported MAS inspections and conducted compliance testing for retail businesses. Delivered AML/CFT training and supported audits and internal reviews.

• Conducted 2nd level transaction monitoring reviews and SAR investigations. Drafted and filed STRs to CAD via STROLLS, maintained SAR trackers and handled sanctions exception reviews. Supported global reporting requirements and liaised with regulators.

• Reviewed account opening documentation and conducted KYC/due diligence for new and existing clients. Assisted with periodic reviews, document verification, and data entry for client onboarding.

• Supported client onboarding and periodic KYC reviews using due diligence tools. Conducted screening for new accounts and reviewed compliance documentation for completeness.

• Performed internal control checks across payments, trades and client portfolios. Reviewed banker-client voice logs and prepared compliance control reports.