Ravindran Letchumanan

• Represent Know Your Client (KYC) team in multiple forums, internally and externally, including senior management discussions and key stakeholder meetings across the business, compliance and operations to provide transparency on initiatives
• Work with Global KYC management team to provide strategic direction and develop all aspects of the KYC control environment (e.g., people, process, technology and governance)
• Ensure proper and effective governance of tasks and processes with reference to internal policy and external regulation
• Partner with Compliance, the business and KYC teams globally on interpretation and implementation of new Anti-Money Laundering (AML) policies managing directly the impact to the control environment
• Develop project plans and ongoing KYC training plans related to business, product and AML policies including review and attestation processes
• Assess and manage changes to the KYC control environment delivered though process, policy and technology change
• Drive continuous improvements to quality of data, control reporting and associated metrics to increase global consistency
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards

• Provide senior oversight of KYC Operations teams, senior point of escalation for the team and its stakeholders, represent the KYC function in senior management discussions and key stakeholder meeting across the business, compliance and operations and serve as central point of coordination for vendor strategy and third party interactions
• Serve as key contributor to the Global KYC strategy and partner with the Global Management team to develop a target operating model encompassing people, process and technology
• Ensure effective governance of tasks and processes with reference to internal policy and external regulation
• Partner with global Compliance and KYC teams to interpret and implement new Anti-Money Laundering (AML) policies and work toward developing consistent processes and practices
• Develop the ongoing KYC training plan to develop and enhance staff knowledge of business and product
• Manage KYC Operations project book of work, including strategic program roll out and system enhancements
• Manage and assess impact of operational implementation of technology and policy change and drives continuous improvements to quality of data and client service levels
• Create efficiencies through on-going utilization of low cost centers for data management
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards.

Position Level : C12

Department : Financial Intelligence Unit (FIU)

Specialization : AML Transaction Monitoring, Investigations, Compliance

AML Transaction Monitoring

Ø Managing an unit of 140 AML analysts. Managed segment; Consumer Banking: Indonesia, Vietnam and India

Ø Responsible for SLA management, MIS Reporting & stakeholder engagement/ management

Ø Governance and consistent implementation of Citi’s Anti-Money Laundering policies, procedures and transaction monitoring standards across managed segments

Ø Responsible for Analytics – MIS Reporting to stakeholders on a daily/weekly/monthly basis

Ø Reviewing and escalating cases to AML Compliance Office for STR/ SAR Filings ensuring due diligence

Ø KYC / Due Diligence – ensuring the KYC deficiencies are identified and reported via KYC Feedback Loop

Ø Transaction Monitoring: Reviewing alerts generated by HUB on MANTAS and Actimize systems, enhanced due diligence, conduct sanctions screening checks & name search disambiguation and escalating to AMLCO. Serve as SME, for multiple products, in analysis and investigation of transaction activities to detect any suspicion on money laundering or terrorist financing.

Ø Performing Reviews of NESS (Name Screening), KYC (Know your Customer), eCADD (Customer Due Diligence) and other related documents for case investigation

Ø Preparing monthly capacity/productivity plan for operations

Ø Responsible to lead monthly Governance Call for the stakeholders

Ø Provide training and mentoring analysts on investigation techniques, systems, products and money laundering policy and regulation

Ø Provide training's on identifying red flags, reviewing transactions, enhancing AML knowledge

Ø Accumulating facts from investigations to be utilized in presentations to Senior Management and Compliance.

Ø To implement process efficiencies towards improving and enhancing the current process operating model to elevate service delivery standards, save cost and improve processing turnaround time.

Ø To protect confidential information of the bank and its customers by adhering to agreed code of conducts, confidentiality agreement, ethical standards and Information security policies. Ensure zero Information Security Incidents (SIRT).

Ø To work closely with the Senior Management, to review & address internal audit/compliance testing/OCC comments.

Ø Highlight areas of improvement (additional controls/process changes) and potential issues/control gaps to Ops Managers

Sanction Screening

Ø Analyzing alerts and investigating customers who match with SDN, PEPS and Negative Media list
Ø Conducting searches, gathering data and recording evidence from internal systems, the internet, commercial databases and inquiry with business or Compliance contacts within the organization.

Ø Conducting enhanced due diligence investigations in support of policies and procedures
Ø Reporting unusual client activities which might relate to sanctioned individuals, money laundering or terrorist financing

Ø Conduct alert investigation using global standard policies, procedures and tools, aimed at meeting internal and external regulatory requirements
Ø Applying or adapting knowledge (obtained from training) of any imposed sanctions(s) or other laws/regulation(s) to the task at hand/

KYC

Ø Manage KYC operations, including executing processes in accordance with compliance policies and overseeing the KYC control environment

Ø Perform quality reviews on new client and refresh cases, ensuring a high level of quality before cases are finalized

Ø Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency

Anti Bribery and Corruption (AB& C)

Ø Support and review enhancement of strategic AB&C policies, procedures and systems and ensure that exposure to bribery and corruption risk is managed
Ø Provide support to drive, enhance and implement programs to quantify impacts and implement actions to address, manage and mitigate impacts of AB&C risk associated w/ day-to-day activity.
Ø Establishing AB&C MI requirements, giving advice and guidance, analyzing MI and assessing what AB&C as risk stewards need to do about it
Ø Work closely with internal and external country stakeholders AB&C teams to assist with the implementation of an effective AB&C issues management process, and assist with any required activities including record keeping, themes analysis and reporting.

Ø Support annual AB&C enterprise-wide risk assessment, provide subject matter expert advice, and assist global heat map review and calibration.
Ø Build and maintain stakeholder relationships, act as a point of contact and advise when required.
Ø Support various AB&C project work streams.
Ø Responsible for driving a strong compliance culture and the right behaviors.
Ø Responsible for developing management reporting schedules and updates and for ensuring the accuracy of information provided by other members of the AB&C team.

Position Level : C11

Department : Financial Intelligence Unit (FIU)

Specialization : AML Transaction Monitoring & Investigations

Ø Managing a team of 18 AML analysts. Managed units : Indonesia

Ø Established the Quality Enhancement Program for the GCG Indonesia

Ø Responsible for Case Allocation and SLA Management for Transaction Monitoring Operations

Ø Reviewing and escalating cases to AML Compliance Office for STR / SAR Filings ensuring due diligence

Ø Productivity Work stream Core Member – Analyzing status and suggesting business process improvements for increasing productivity and identifying unproductive alerts

Ø Collaborating with Data Intelligence team to implement / roll out AML Case Assignment tool (macro-enabled)

Ø Involved in coordinating with Data Intelligence team for testing the Case Assignment tool in an UAT environment

Position Level : C10

Department : Financial Intelligence Unit (FIU)

Specialization : AML Transaction Monitoring & Investigations

Ø Subject Matter Expert for Transaction Monitoring / Guiding analyst on thresholds & scenarios

Ø Responsible to conduct Indonesia Compliance trainings for new hires

Ø SPOC for Indonesia for AML/KYC related issues for the KL AML Hub

Ø Responsible to manage QA queries for the GCG Indonesia unit

Ø Analyzing Overall quality & productivity for the unit – Publishing Analyst Scorecards / Performance Metrics

Ø Manage MIS related activities / reporting to Indonesia Compliance (daily status updates)

Ø Translate GCG Indonesia business requirements to KL AML hub team

Ø Ensuring latest typologies and red flags are disseminated across the APAC HUB

Position Level : 7

Department : Payments Center of Excellence

Specialization : Payments

Ø Effectively drive and manage changes to achieve business goals (e.g. Process improvements/changes in procedure)

Ø Lead by example through service excellence and driving quality initiatives for improved customer satisfaction

Ø Drive staff development through soft skill training, personal development plans and performance management review (Reward and Recognize)

Ø Ensure performance management scheme is implemented in line with procedures across sections consistently

Ø Set and example in “Leading to be customer driven” by implementing effective customer feedback mechanisms and monitoring “Service Quality” of the section to ensure high customer service standards

Ø Recognize, reward and set high internal service excellence benchmarks to ensure customer satisfaction

Ø Implement the Group compliance policy locally by containing compliance risk in liaison with the Global Compliance Officer or Local Compliance Officer ensuring adequate compliance resources and training, fostering a compliance culture and optimizing relations with regulators

Ø Maintains HSBC internal control standards, including the timely implementation of internal and external audit points together with any issues raised by external regulators

Ø Establish and maintain effective relationship with customer business areas and identify areas of service improvements

Ø Ensuring that all aspects of an operation or process meet specified regulations

Ø Ensure cross training plans support business continuity plan and facilitate staff movement from low complexity process to higher complexity processes

Ø Ensure all high value payments are processed and released in accordance to the cut off time as stipulated in the Service Level Agreement

Ø Regularly and effectively communicate Group Initiatives, policies and other activities to the teams

Ø Ensure agreed migrations are effectively implemented in liaison with the project managers and business managers.

Position Level : 7

Department : Payment Center of Excellence

Specialization : Payments

Ø Involved in Business Continuity Plan test in preparation of crisis or contingency.

Ø Support payments audits preparations and liaise with payments governance team to conduct audit.

Ø Mentor, coach and support BAU classroom trainers, section coaches to ensure that their contribution is in line with business needs

Ø Work with teams by sharing best practices and experience with colleagues to achieve both individual and Learning and Development’s goals

Ø Designing and developing training material, ad hoc training plans in accordance with the requirements of the business partners

Ø Adherence to HSBC’s internal control, standards and policies

Ø Create or use tools to measure and evaluate the training courses/programs/workshops/ training intervention, to asses and quantify the impact of such training on the Business

Ø Evaluate training needs and develop suitable training interventions, plans or schedules to get new hires trained /staff cross-trained in the department as per the requirement

Ø Supporting the business partners /line managers/AVPOs in resolving specific pain areas via training interventions

Ø To constantly work towards not only meeting our customer’s expectation but exceeding them, thereby ensure that at least emanate 80% satisfaction levels, which is documented through surveys conducted

Ø Identifying various ways of maximizing efficiency, reduce costs and add value to business

Ø Ensure practices and procedures are adhered to and training materials remain compliant with GR L&D, BPs and regulatory standards

Ø To be aware of the Operational Risk scenario associated with their role, and to ensure that all actions during their employment with HSBC take account of the likelihood of operational risk occurring

Ø Headed new team migration

Ø Head the STP (Straight through Processing) Project for GSCMAU payments.

Position Level : Senior Executive

Specialization : Engineering

Industry : Polymer / Plastic

Responsibilities

Ø Pre-Production Supervisor cum QA Supervisor who controlled 1 Assistant Supervisor, 4 workers and 4 online QA.

Ø Reports to the Factory Manager

Ø To manage overall operation of the Production floor

Ø Liaise with central office for smoother production flow and process flow.

Ø Responsible for Monthly Production.

Ø Preparation for weekly report on production movement.

Ø To plan for up coming week production schedule.

Ø To maintain and ensure all machinery are in good condition.

Ø Assist customers or buyers for technical reference, ideas or designs plus modifications.

Ø To ensure cost management of production floor at all time low every month.

Ø Liaise with SIRIM for internal inspection and audit.

Responsibilities

Ø Senior Manager who controlled 2 Managers, 4 Senior and Junior Supervisors, 8 Assistant

Supervisors and 250 co-workers.

Ø Reports to the C.E.O and the C.O.O

Ø To manage overall operation of the Production floor

Ø Responsible for Monthly Production

Ø Monthly report on production movement

Ø To plan for up coming month production schedule

Ø To ensure all machinery are in good condition

Ø Assist customers and buyers for technical reference, ideas or designs plus modification.

Ø To ensure cost management are on track at all time.

Ø Work along with the RnD department for mould and jigs modification or rectification.

Ø To ensure all the Kaizen and Six Sigma system flow is in par.

Ø To ensure all containers are shipped according to production schedule.

Ø To ensure ISO9002 in the Production Floor.

Work Description of a QA Manager cum Processing Manager:-

Responsibilities

Ø Reports to the Marketing Director and the C.E.O

Ø To ensure in house Quality control

Ø Final Inspection with QA buyers or customers

Ø Liaise with Production section for a smooth quality in Production based on Six-Sigma

Ø Prepare monthly damage, product defect and rejection report to the management

Ø To ensure company’s documentation for ISO9002 are within procedures.