Financial Crime Privacy Officer
Resume:
Stéphanie Bedros
Antibes-France
Email : ******.*********@*****.***
PROFESSIONAL SUMMARY
Head of Compliance with over 10 years’ experience in various financial institutions, banks, and insurance companies. Detail-oriented and self-driven with great analytical skills and a good team-player. Direct experience with banking or corporate regulations, operations and compliance regulatory programs. Designed and maintained efficient policies for compliance activities while maintaining knowledge in all compliance and privacy laws.
SKILLS
Experience in implementing policies and procedure in a complex financial organization.
Good communication skills written and verbal in addition to critical thinking skills.
Ability to multi-task and prioritize under a changing and challenging workloads.
Perfect command of Internet and Microsoft tools, competent with MS Office (Word, Excel, Power Point, Access), World check, Netreveal, AS400, PIMS system, Dataflow, Marketflow.
Languages: Arabic (Native), English (Fluent), French (Bilingual), in addition to Spanish (Level 2). WORK HISTORY
AXA Middle East – Head Office – Jal EL Dib, Beirut Lebanon (Insurance Sector) Head of Compliance and Data Privacy Officer: January 2021 – January 2022
To develop the compliance function, covering general compliance, financial Crime Compliance activities Anti-bribery and Corruption and Data Privacy topics in accordance with AXA Group Standards and various regulatory requirements.
To develop and promote a “Compliance Culture” within AXA Middle East through trainings and daily interaction.
Be responsible for the successful development of a compliance risk appetite framework covering financial crime, employee conduct, information management (including data privacy), and business conduct risks, from which relevant mitigating controls are implemented and monitored.
To ensure perfect alignment with Group Compliance guidelines, international guidelines (EU, OFAC, FATF etc…) and local regulator and do the adequate related reporting to different stakeholders: regulator, group, audit, executive committee, General Manager, and audit risk and Compliance committee reporting (ARCC). Compliance manager and Data Privacy Officer: Apr 2019 – December 2020
To assist the compliance officer in the development of the compliance function, covering general compliance, financial Crime Compliance activities and Data Privacy topics in accordance with AXA Group Standards and various regulatory requirements.
Along with the Compliance officer, be responsible for the successful development of a compliance risk appetite framework covering financial crime, employee conduct, information management (including data privacy), and business conduct risks, from which relevant mitigating controls are implemented and monitored.
To develop and promote a “Compliance Culture” within AXA Middle East.
To ensure perfect alignment with INM and Group Compliance guidelines, and the related reporting. BLOM Bank – Head Office - Verdun Concord, Beirut Lebanon (Banking Sector) Assistant Anti-Money Laundering and Combating the Financing of Terrorism Compliance Unit Coordinator,
Clearance and Sanctions Unit: Nov 2015 – Apr 2019
Responsible for studying high risk accounts for pre-approval before opening the account or for renewal
(PEP, Exchange dealers, Syrian accounts), reporting to the GM for all 80 Blom Branches, Iraq, Cyprus, BDB, Blominvest.
Responsible for studying all the high-risk transactions related to cash deposits or withdrawals above USD 100k for pre-approval and on-spot decision making while reviewing the supporting documents provided.
Managing sanctioned accounts.
Giving exemptions based on a study of account.
Advising the compliance officers at branches for the daily transactions.
Studying the international checks above USD 100k while reporting to the GM. Monitoring Unit: May 2015 – Oct 2015
Checking different reports generated from ACL system for all Blom Bank Branches, BlomInvest, BDB, Iraq, Jordan.
Checking reports related to account openings, high risk accounts, dormant accounts, changing profession, reactivated accounts, resident and nonresident, closed accounts in addition to other reports.
Complying with customer due diligence requirements and internal control. WORK HISTORY
Bogofinance S.A.L. Dora, Beirut Lebanon (Financial Institution) Anti-Money Laundering and Combating the Financing of Terrorism - Head of the Compliance Unit
(AML/CFT) May 2011 – Mar 2015
Complying with customer due diligence requirements, internal control and ongoing monitoring on deposits and withdrawals operations, statements of accounts for customers.
Implementing policies and procedures and completing an AML Charter, establishing a risk based approach, and updating the KYC form for all customers and the blacklist aligned with BDL regulations under the provisions of law no. 318 of April 20, 2001.
Checking the OFAC list of sanctions for clearance and conducting correspondence with the SIC-BDL.
Quarterly reporting to the AML committee, board of director and Chairman, and to SIC – BDL while keeping track on suspicious accounts and notifying the Special Investigation Commission at BDL. Accounting Department Jul 2009 – Apr 2011
Preparing journal entries and general ledger operations, monthly and year-end closings and preparation of monthly financial statements.
Performing monthly banks and financial institutions reconciliations.
Maintaining balance sheet accounts and preparing monthly financial reports (BDL reports – BCCDRP, STR).
Performing monthly reconciliations of customers’ balances and following up on outstanding receivables and suppliers’ balances and preparation of payments on due time.
Reviewing and processing expense reports and controlling petty cash expenses.
Miscellaneous, working with the back office team. ABC Dbayeh, Lebanon (Luxury Clothing Store)
Sales assistant Feb 2008 – Jun 2009
Working as a sales assistant, communicated effectively with customers in an often pressured and busy environment.
EDUCATION
Degrees,
2018 Masters in Banking Studies – Financial Markets Saint-Joseph University (USJ - ISEB), Huvelin Street, Beirut, Lebanon 2008 Bachelor in Business Administration and Management Saint-Joseph University (USJ - ISEB), Huvelin Street, Beirut, Lebanon 2005 Baccalauréat Part 2 - Sciences (S.V)
Collège Notre Dame de La Délivrance,
Des Sœurs Maronites De La Sainte Famille, Zalka, Lebanon Certifications,
2021 ACAMS WWF Ending Illegal Wildlife Trade
Association of Certified Anti-Money Laundering Specialists 2018 Certified Anti-Money Laundering Specialist (CAMS – Version 6 - English) Association of Certified Anti-Money Laundering Specialists 2016, 2017, 2018 Certificates in AML/Compliance (With Merit). Thomson Reuters
2018 Certificate in AML/Compliance Advanced level. Thomson Reuters
2014 Certificate in Lebanese Financial Regulations (Arabic) Ecole Supérieure Des Affaires (ESA)
2007 Diploma in English Language
Georgetown University
Trainings and Seminar,
2016, 2017, 2018 AML/ Compliance advanced workshop Thomson Reuters
2016 Legal Aspects of Banking operations
Association of Banks in Lebanon (ABL)
2012, 2013, 2015 AML Workshops organized by the Association of Banks in Lebanon given by the Special Investigation Commission (Case studies of suspicious operations of money laundering) Banque Du Liban (BDL)
2013 FATCA “Foreign Account Tax Compliance Act” Seminar Association of Banks in Lebanon (ABL), Deloitte, and Price Waterhouse Coopers 2013 Exchange Institutions Internal Control System IEC – Karim Center (CPA, Consultants, and Members of IEC) 2009 Training – Accounting & Audit Est. DAHER (Financial accounting, financial reporting, taxation, databases)
Jal El Dib, Lebanon
2007 Training – Bank (Counter operation, Customer services, Credit office) Bank of Beirut, Antélias Branch, Lebanon
2007 Learning methods in organization, Management and Teamwork Seminar USJ
2013 Rotary Youth Leadership Awards RYLA (leadership training) Rotary Clubs
INTERESTS AND ACTIVITIES
Member of Rotaract Club of Sahel Metn (President 2015-2016, Vice President 2014-2015, Secretary 2013- 2014, Head of Community Service 2012-2013).
REFERENCES
Available upon request.
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