ERIKA SAMAN YANCOURT

• Assisted with internal and external audits to confirm compliance with applicable laws and regulations, enhancing the second line of defense.
• Developed comprehensive training programs to increase employee awareness of compliance requirements and expectations.
• Managed relationships with regulators, maintaining open lines of communication to ensure transparent operations.
• Evaluated new regulations for potential impact on business operations, taking proactive measures to ensure readiness for implementation.
• Enhanced regulatory compliance by developing and implementing comprehensive policies and procedures.
• Mitigated legal risks by proactively identifying gaps in existing policies and recommending improvements.
• Reduced the risk of financial penalties by conducting thorough internal audits on a regular basis.
• Reduced incident rates by implementing robust compliance monitoring and enforcement mechanism.
• Optimized resource allocation for compliance activities by analyzing data trends and focusing on high-risk areas.
• Advised clients on compliance fraud and investigations, as well as potential remedies and required actions.

During 2022, the merging of RBC IS and CACEIS took place and was completed in 2023. I was promoted from the Due Diligence Department to Compliance and Financial Security.

• Leading a team of analysts to ensure the first line of defense is operating effectively and efficiently to reduce the risk of organizations' products and services being used for money laundering and terrorist-related activities. Provide assurance to relevant stakeholders that the bank is adhering to all relevant legislation and regulations; therefore, mitigating the potential for operational losses, fines, penalties, or reputational damage to the organization. Managing the transaction monitoring alerts and suspicious activities monthly report for all the business units and jurisdictions centralized in Luxembourg.
• Operational Effectiveness:
• Cooperation with leaders from other teams and HR.
• Coordinate with the Transfer Agent, Custodian, and Client Coverage Teams.
• Quality Check Process Management.
• Participating in team development and training initiatives.
• Team management.
• Reviewing and updating procedures, cooperating in setting new rules, and implementing them.
• Supporting 3LOD and 2LOD. Reporting every quarter.

• Performing as the first line of defense, the risk profiling and customer due diligence are in line with TA KYC guidelines and clients’ specific KYC policy for accounts and dealers in the funds. Risk assessment, approvals, MLRO escalations, and validation of onboarding investors. Re-identification and remediation. Handling, analysis, and setting of data in the SHS system (BP module and SARA): account and dealer identification and creation, account and dealer maintenance.
• Supported KYC processes for prospective and existing customers.
• Ensured compliance with regulatory requirements by conducting thorough customer due diligence checks.
• Operational Effectiveness: Analyzing the documentation to ensure coherence with the risk profile, and review of potential sanctions and CTF alerts. PEP alerts, transaction monitoring, and reporting (KPIs). Keep and centralize the identification documents. Take charge of internal and external shareholder and dealer account registration correspondences. Shareholder and dealer account opening and maintenance in the core system (BP module/Sara). Performing classification in line with various regulations, such as FATCA, CRS, RDR, and AIFMD... Team trainer, updating BAU procedures, and improvement in the daily business interaction process.
• Authorities, impact, risk: the first line of defense in terms of AML/KYC for SHS activity. Reputational and financial risk in case of non-compliance with AML/CTF regulations. Follows established departmental standards, policies, and procedures under supervision.
• KEY RELATIONSHIPS: Client relationship: Investors and distributors. Expert in AML/KYC, SHS. Reporting relationship with the manager, Register Shareholder Services, Luxembourg. Transaction Processing Teams. Customer Contact Center.
• Identified potential risks and red flags through comprehensive customer risk assessments, mitigating potential financial losses.
• Reduced the risk of money laundering and terrorist financing by implementing robust KYC policies and procedures.
• Reviewed new prospect KYC documents to meet requirements and determine business model risk.
• Adjusted end-to-end KYC process needs to align with workforce capabilities.

• Achievements/Tasks: Performing AML/KYC due diligence with clients and reviews on transactions, including cross-border. Interacting with partners to drive and facilitate the AML/KYC review process. Coordinating with the Front Office, Credit, Compliance, and global Client Acceptance Teams to understand client/deal structure and agree on requirements/responsibilities. Monitoring client request status, escalating delays and issues to Client Service Managers, and Coverage. Performing quality assurance reviews and approving due diligence reviews completed. Participating in process standardization and improvement discussions with Global Client Onboarding Teams and other process partners.
• Performed periodic reviews of existing client files, ensuring continued adherence to AML/KYC requirements.
• Maintained updated knowledge of relevant regulations and industry best practices to continuously improve AML/KYC processes.

• Achievements/Tasks: Assistance in annual audit, US Tax Department, Securities Admin: interest, dividends, redemptions, FATCA, CRS, KYC, AML. Regulatory compliance.
• Supported the development of a robust internal control system for managing risks associated with taxes, improving overall risk management capabilities within the organization.
• Managed timely filings of all necessary federal and state income tax returns, avoiding penalties or late fees due to missed deadlines.

• Achievements/Tasks: Accounts Receivable and Credit Granting in line with compliance policies. Credit Risk Management in Europe and the Middle East, Risk Monitoring, Letter of Credit, and payment tools handling, AML, KYC, and Banking assistance. Bank cash allocation, customer creation, and order release.
• Collaborated with other departments to resolve billing errors, ensuring timely payment from clients.
• Reached out to customers to check on payments and convey options.
• Obtained payments and entered details into system.
• Reviewed customer accounts for compliance with repayment obligations.
• Performed checks of customer creditworthiness and current situations.
• Responded to disputes calmly and applied logical, knowledgeable approaches to devise solutions.
• Supported sales teams by providing accurate credit information for new and existing customers.
• Increased collection rates through proactive account management and regular follow-ups with clients.
• Reduced overdue debt by closely monitoring customer accounts and taking prompt action on outstanding payments.
• Enhanced company reputation through professional communication with customers, resolving disputes, and negotiating payment plans.

• Events, radio, press, TV, and film production promote products and services to customers, and negotiate contracts to maximize profits. Responsible for the maintenance of the customer portfolio from $1 million in revenue. To support the marketing and advertisement strategy of the company, which is directly involved in the organization of events (Conference Hall of Malaga, Barcelona, Valencia, Zaragoza).
• Achieved sales goals and service targets by cultivating and securing new customer relationships.
• Boosted sales revenue by cultivating strong client relationships and implementing effective sales strategies.
• Delivered exceptional customer service, resulting in a high percentage of repeat business and client referrals.
• Researched sales opportunities and possible leads to exceed sales goals and increase profits.
• Participated in industry trade shows to represent company and generate valuable leads for future business growth.
• Negotiated contract terms with clients, securing favorable conditions for both parties while maximizing profitability.

• Financial advisory and investment solutions for customers. Achievements/Tasks: Residential and luxury real estate commercialization, sales team training, and supervising. Loan, mortgages, and investment products. In charge of the purchasing process and monitoring credit approvals from banks, notary management, registration procedures, and negotiations with banks and creditors. Due diligence on customers and KYC documents collection.
• Handled sensitive information with discretion, maintaining confidentiality of company documents and personnel records.
• Coordinated office events and meetings, ensuring timely execution and optimal scheduling for all participants.
• Provided exceptional customer service when addressing client inquiries or concerns via phone calls or email correspondence.
• Managed vendor relationships, negotiating contracts for cost savings while maintaining high-quality services.
• Assisted in the recruitment process, conducting interviews and onboarding new employees to promote a seamless integration into the team dynamic.

• Study of financial viability for real estate purchasing for individuals and companies, and consolidation of customers’ dossiers for bank credit approval. DD and KYC. Banking.
• Assessed credit risk and analyzed financial statements.
• Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
• Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
• Gathered loan documentation for underwriting.
• Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
• Participated in loan committee meetings to provide input on lending processes.

• Promotion of insurance products focused on life and savings for particulars.
• Promotion of insurance products specialized in high-risk businesses, such as jewelry and gold refineries.
• Mentored junior team members by sharing best practices and offering guidance on navigating complex sales situations.
• Utilized CRM software effectively to track customer interactions, manage leads, and generate insightful reports for management review.