NIDHIN RAJ

• Design an appropriate AML/CFT compliance program for the company to remain compliant with applicable

AML/CFT Laws, Regulations, Notices, EOCN and international best practices always.

• Establish and maintain appropriate AML/CFT policies, procedures, processes, and controls.

• Ensure day-to-day compliance of the business against internal AML/CFT policies and procedures.

• Act as the key contact point regarding all AML/CFT related matters/ queries from the regulators and any other competent authorities.

• Receive suspicious transaction alerts from employees and analyze them to make appropriate decisions to report all suspicious cases to the Financial Intelligence Department (FID).

• On-going monitoring of transactions to identify high-risk, unusual, and suspicious customers/transactions.

• Submit Suspicious Transaction Reports to the FIU in a timely manner.

• Cooperate with and provide the FIU with all information it requires for fulfilling its obligations.

• Develop and execute AML/CFT training programs considering all relevant risks of ML/FT and financing illicit organizations including the ways/means for addressing them.

• Provide necessary reports to the Board of Directors (or to the Owner/Partners where there is no Board of Directors) on all AML/CFT issues, quarterly at a minimum.

• Arrange to retain all necessary supporting documents for transactions, KYC, monitoring, suspicious transaction reporting and AML training for the minimum period for record retention.

Conduct regular gap analysis between the company's existing AML/CFT Procedures and current Laws, Regulations, Notices, and International Standards to determine the extent of the level of compliance.

• Propose actions required to address gaps, if any; and

• Prepare MLRO Bi-Annual Compliance Reports.

Attending compliance & AML meetings internally and externally

Regular communication with branches on KYC-related matters.

Participating in KYC/AML periodic reviews conducted by the correspondent banks.

Handle customer enquiries effectively and promptly.