Lekan Lajide

An accomplished compliance risk and regulatory professional manager with over twenty years’ investment and retail banking and consultancy background, with experience and understanding of governance, risk and compliance and advisory requirements. I have a good understanding and application of the UK (FCA – Financial Crime Guidance), the UK Money Laundering Regulation 2017, the UK Bribery Act (UKBA), the Foreign Corrupt Practices Act (FCPA) and the Proceeds of Crime Act 2002 (POCA). I have a good understanding of the requirements of the regulation and legislation relating to AML/CTF, Financial crime, ABC, Sanctions and associated financial crime risks.

KYC Officer - Zaridapay

(2025-01)

• Providing support to the client management team in respect of AML/ KYC, to onboard new customers efficiently and effectively.
• Screening customers and any related parties using KYC screening tools to identify the presence of any additional PEP connections or adverse information
• Conducting a risk-based analysis on prospective and existing clients to assess suitability from a KYC perspective of individual clients for onboarding.
• Reviewing and approving low-risk and medium SDD/CDD review cases and escalating the EDD high-risk case to the compliance team for approval
• Collating and reviewing approved legal documents required for new customers and existing accounts, and the associated administration.
• Investigating and resolving alerts generated by sanction screening software for potential matches or false positives on sanctions and terrorist lists.
• Supporting the Financial Crime Team with meeting its regulatory obligations by undertaking a review of high-risk clients.

Quality Control Analyst - Bank of America

(2023-07 - 2024-12)

• QC / 4-eye checker of KYC Analysts' work production to ensure accuracy and completeness of key information.
• Apply the QC methodology to deliver an objective review of client files.
• Performing accurate and consistent QC checks on KYC files across multiple business jurisdictions and client risks.
• Reporting QC results to the QC Team Lead and ensuring that risks and issues are recorded and escalated as appropriate.
• Ensured adherence to due diligence standards, found gaps in processes, and made recommendations to appropriate stakeholders.
• Provided regular training to employees of clients on relevant KYC, PEP, SIP, RCA, ABS & AML procedures.
• Quality review analyst cases for accuracy, completeness and validity while ensuring the client’s records adhere to the bank’s due diligence standards and global regulatory requirements.
• Accurately assessed and documented clients’ ownership, source of wealth and funds, country and nature of the business, product usage and other risks found during the review.
• Raised issues/discrepancies where found and proactively engaged and participated in providing a solution to the process/procedure to reduce inconsistencies and deficiencies in future.
• Conducted searches using public and internal search tools, i.e. World Check, Lexis Nexis, Google Search and investigated positive alerts through PEPs/Sanctions and adverse media.
• Provided high-quality AML/ KYC and CDD support to the business, ensuring all regulatory deadlines and requirements are met.

AML/KYC Officer - Genpact (UK) Limited

(2021-09 - 2023-04)

• Completed CDD checks for UK clients and counterparties in accordance with UK procedures using compliance systems, logs and files.
• Obtained and reviewed information for corporate and private individuals from relevant sources (e.g Companies House & open sources) and determined further information requirements.
• Completion of ongoing CDD in accordance with the risk rating of the client, including the investigation and resolution of PEP reviews, sanctions screening & Adverse media alerts as required.
• Reviewed different entity types, built ownership structures and performed AML/KYC due diligence reviews on corporate banking clients with different legal structures and complex/opaque ownership structures in various jurisdictions to ensure the firm’s AML & KYC requirements are met.
• Reviewed international payment /transactions into Low / medium countries, high risk, Mandatory High risk, and sanctions countries to build rationale and plausibility.
• Reviewed and ensured that different TDD modules (SOF cash, SOF Intl payment, SOW, SDD, Corporate Structures, Trade Finance, Lock Box, etc.) that trigger are worked/reviewed to build the rationale and establish plausibility.
• Handled complaints per the Internal Complaints Procedure (ICP): logged, resolved complaints and escalated unresolved complaints as per the ICP.
• Maintained learning of local and global AML policy to ensure that policies and procedures meet local and global anti-money laundering standards.
• Ensured the end-to-end customer due diligence (CDD) process, investigated the client’s SOW/SOF, Transaction reviews, Screening (PEPs, Sanctions & Adverse media), and reviewed and raised SAR were done per regulatory standards.
• Reviewed Sanction alerts and concluded as to whether the alert is a positive or false positive match.

Quality Assurance Officer - Marex Spectron (London)

(2020-11 - 2021-08)

• Performed AML risk assessment and control coverage methodologies, transaction monitoring and names screening and devised risk-based remediation and solutions.
• Performed due diligence checks on reviews completed by analysts for different entities such as Corporate entities, Private investment vehicles, Hedge funds, Trusts and charities.
• Assisted the compliance department in drafting regulatory reports.
• Helped to develop and implement a streamlined process for AML reviews.
• Performed gap analysis for incomplete AML requirements, identified red flags and escalated appropriately.
• Acted as subject matter expert by providing answers to complex queries.
• Assisted the training manager in training new colleagues and existing colleagues for policy updates.
• Developed a database for quick links to public information sources. E.g. regulators’ and company registries' website.
• Developed and executed new manual or tactical monitoring controls and undertook transaction monitoring investigation procedures.

Due Diligence Consultant - BNP Paribas Bank (London)

(2016-05 - 2020-07)

• Provided advice consistent with group policies and applicable legal and regulatory requirements, particularly in relation to anti-money laundering (AML), Sanctions and Financial Crime policies.
• Assessed KYC details of clients, such as ownership structures, payment flows, and identified UBO information.
• Completed extensive due diligence investigations using acceptable public databases in accordance with anti-money laundering and other regulatory standards to assist and prevent regulatory risk.
• Analysed and verified ownership structures, layered entities and ultimate beneficial owner (UBO) and classified these entities under the relevant risk ratings.
• Determined whether the current risk rating is appropriate and made recommendations on mitigation required and provided rationale to the senior management stakeholders.
• Investigated adverse news generated by sanction screening tools for potential matches or false positives on sanctions, PEPs classification and de-classification and terrorist/country risk list.
• Investigated and analysed individuals and corporate Entities to see if there is a breach in dealing with sanctioned countries.
• Performed assessments of alerted customer activity generated from transaction monitoring systems.
• Maintained up-to-date awareness and understanding of UK requirements, particularly in relation to money laundering regulations, financial sanctions (e.g. UK, France, EU), and PEPs classification.
• Represented UK Due Diligence team in Client Acceptance Committees (CAC) and other internal forums related to higher-risk clients (EDD), products and risk in the operating/business environment.
• Supported and assisted senior management with adherence to regulations, as well as operating to high standards of business and ethical integrity.
• Screened and analyzed PEPs, Sanctions, Adverse Media, and other identified AML risk to the bank with the use of Vigilance and other screening tools.

AML Consultant - Accenture (UK) Ltd /BNPP Bank (Paris)

(2015-07 - 2016-04)

• Contributed to AML/KYC project initiatives, taking responsibility for the development and implementation of specific deliverables and ensuring these are achieved within the required time.
• Acted as a point of reference for Policy and procedural issues on sanctions to ensure compliance with relevant regulatory regulations.
• Provided Quality Assurance (QA) for Compliance risk on an ongoing basis to ensure compliance with regulations; and provided actionable recommendations to Business Units.
• Participated in the implementation and maintenance of processes and procedures to ensure compliance with current regulatory requirements, guidance and client risk and compliance policies.
• Ensured all required AML regulatory requirements for new clients are in place according to BNP procedures, guidance, policies and FCA policy.
• Analysed customer activity to make independent judgments of whether the activity is unusual and requires escalation.
• Provided financial crime compliance oversight of the Bank’s automated transaction and name screening, and transaction monitoring systems.
• Supported the identification and analysis of external developments which are regulatory significance, and evaluated the impacts of such for BNPP systems and controls.
• Responsible for managing transaction screening system filter settings, including algorithms, filter severity settings, tuning and threshold settings, creating rules/ exceptions, and testing.

Financial Crime Consultant - Accenture (UK) Ltd

(2014-11 - 2015-07)

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