Samanta Nair Pagani Gyurec

As part of the first line of defence, I am involved in the review and approval of high and medium risk customers for correspondent banking relationships with financial institutions and non-bank financial institutions (3rd and 4th party payments) as well as other corporate customers (SME, large corporates - 1st party payments).

My tasks consist of:

• Overseeing the onboarding process of prospects.
• Provide feedback and guidance to the KYC team (onboarding analysts) on queries and escalation emails regarding AML issues following the CDD procedure.
• Draft KYC summary reports for high-risk clients for 2LoD and subsequent presentation to the approval committee.
• Participate in compliance calls for client onboarding and reverse KYC processes.
• Perform ‘sanity check’ reports for sales managers in relation to potential customers, identifying potential red flags.
• Participate in the continuous improvement of a strong CDD team.
• Actively work on developing CDD and financial crime policies and systems.
• Tools: PEGA (KYC Tool), Refinitiv (WorldCheck), Dow Jones, BankCheck.

• Performing full KYC/ AML/ CDD checks on new corporate clients (including financial institutions, public bodies, private companies, state - owned companies, listed entities) within low, medium and high-risk cases, applying the appropriate diligence (simplified - standard- enhanced).
• Performing Refresh cases, Products on-boarding and Light Due Diligences to non-customers.
• Working on Complex Projects (SPVs, Joint Ventures, Funds, Trusts).
• Screening searches against sanctions, PEPs, adverse media on clients and related parties.
• 4 eyes check on junior colleague’s cases.
• Escalations to 1lod and 2lod due to any sanctions, adverse media, PEPs, red flags or complex case specific queries.
• Use of Appian tool, Fenergo, Dow Jones, Orbis, BankCheck, Experian

• Santander London Branch: Performing full KYC/ AML/ CDD checks on new corporate clients (new to bank- onboarding) within low, medium and high-risk, applying the appropriate diligence (simplified - standard- enhanced).
• Reviewing documentation of both new and existing corporate customer accounts.
• High, medium and low risk assessments on client’s accounts to apply the relevant processes and procedures.
• Analysis of the ownership structure, related parties, UBOs, screening of entities and individuals, analysis of adverse media, red flags and regulatory checks.
• Contact customer service to request further information from the client and making the initial risk decision.
• Confirming product. Working on confirming cases for various geographies within the bank (Germany, Poland, Italy, France).

• Hotel’s legal representative responsible for the analysis and follow-up of legal matters.
• Drafting legal documents and contractual clauses relating to data protection for the hotel's legal department.
• In charge of the formalities with public bodies and of reviewing and supervising employment documentation.
• Implementation of the Working Time Registration Act for the first time in the Hotel.
• Link between the different departments of the hotel and suggested solutions to the management.

• Junior lawyer. I provided comprehensive legal advice to companies and individuals.
• Areas of specialization: civil and commercial law.
• Legal representation, signatures at notary's offices, drafting and filing pleadings in court, attendance and representation at hearing

• Junior analyst part of the bank's legal department- Prevention of Money Laundering and Terrorist Financing Unit.
• Analysing clients' asset documentation (retail clients), transaction monitoring, reports to the Regulator Authority (UIF), resolving incidents, analysing alerts, and suspicious transactions.
• Daily contact with the Front Office (Bankers).