Resume

PERSONAL INFORMATION

Name: Mrs. Huang (Lilian)

Birth Date: May 21st

Gender: Female

Location: New Jercey

Contacts: 848-***-****

EDUCATION & TRAINING

****-**** ******** ********** ** Engineering (Bachelor, System Engineering)

2000-2002 Shanghai University of Finance and Economics (Master, Investment & Economics)

Working Experience:

1.July 2018 to Jan, 2022 MetLife China

Reporting to CEO, Regional Chief of Ethics and Compliance officer

Lead up: 30 team members

Current position:

Chief of Ethics & Compliance Officer in Sino-US United MetLife Insurance Co., Ltd. by CBIRC (The China Banking and Insurance Regulatory Commission) appointment since Oct. 2018.

General Manager Assistant in Sino-US United MetLife Insurance Co., Ltd by CBIRC appointment since Jun 2019.

After I joined in MetLife China, I rebuilt the Compliance organization structure which I owned almost 30 compliance team members (including 15 branches compliance managers) and play more and more critical roles in the successful execution of MLC’s compliance mission. The compliance function ensures the development and maintenance of a strong compliance culture by developing and maintaining program infrastructure that identifies, measures and monitors compliance with applicable laws, regulations and rules that govern our business globally. Compliance team works closely with business, legal, risk and audit functions to provide expertise on regulatory compliance matters, assess and measure compliance and relative risks, and monitor and test the adequacy of MLC compliance control environment.

In the past 3 years, had received the 3 great awards, such as,

2018 New Joiners Recognition for excellent performance as a new joiner (Jan,2019, by MetLife Regional Ethics and Compliance)

The Recognition of Re-building the Great Wall of China in Asia (May,2019, by MetLife Global)

MLC Excellent Star 2019 (March,2020, by MetLife China)

Reporting to CEO, Regional Chief of Ethics and Compliance officer

People Managed: 30 members (including 15 branches compliance managers)

Unit A. Sales Practice Unit

To review the new products, now business model, new procedure and new policies to comply with applicable rules, regulation, internal policies and global requirements, etc.

To monitor the sales practice to ensure compliance with the laws and regulations, global sales practice policies and procedures.

To support the first line to improve the customer compliant management level and mitigate the risks through the usage of Dashboard and the other effective technology.

To involve in the compliance and business-related programs and initiatives with potential compliance and regulatory impacts.

To review new regulations and guidelines issued by the regulators, assess impact on the business, provide comments to CBIRC or industry association as appropriate, and support the business in implementation.

To carry out ad-hoc tasks and monitoring exercises as directed by global and regional compliance.

To design, implement and oversight for surveillances designed to detect behaviors that may violate regulatory rules or internal policies and procedures. When potentially anomalous behavior is detected, the team is responsible for escalating the activity and working collaboratively with partners across the first and second lines of defense to determine the appropriate resolution of the matter, which may implement employees and sales discipline.

To set up the branch compliance annually review mechanism to evaluate the branches business management to comply with the regulatory policies, global and MLC internal procedures.

Unit B. Anti-Financial Crime Unit (AFCU)

(1) AML

To fulfill the requirements of the role of PBOC AML/FATF.

To build and maintain a strong and effective compliance function in collaboration with all respective team members.

To establish the AML management framework to comply with the PBOC AML policies and self-assessment classification as the chairman of the AML committee.

To provide strong leadership and guidance to AML team and the other functions, partner with internal stakeholders on projects to design, develop, enhance and remediate systems and processes utilized by MLC to comply with AML/FATF and Sanctions requirements. Internal stakeholders include all distributions, operations and IT to establish the effective monitor system and operation procedure to leverage the AML management and maintain all the business records.

To build up the AML policy and procedures to ensure compliance with the PBOC regulations and requirements.

To contribute to the annual compliance AML self-assessment and plan, with specific focus on AML/FATF, Sanctions requirements.

To monitor changes in AML/FATF regulations affecting the franchise and participate in industry related initiatives to remain abreast of all existing and new laws, and to influence government policy.

To develop and monitor metrics and triggers to identify potential AML/FATF and Sanctions concerns or negative trends, conduct investigations and take appropriate actions to mitigate losses and comply with regulatory reporting requirements.

To review escalated suspicious transaction or other unusual situations that may be indictive of money-laundering or terrorist financing and provide guidance on actions to be taken.

To liaise with industry association, regulators, law enforcement and internal/external auditors on all AML/FATF related matters.

To provide reports to the Board Committee on the status of compliance with AML, Sanctions regulatory and global requirements.

(2) Anti-Fraud

To develop the enterprise Anti-fraud system to monitor the fraud risk indicators.

To establish the Anti-fraud framework to comply with the CBIRC requirements.

To implement the Anti-fraud polices to standard the operation procedures.

To inspect the fraud cases to prevent the fraud risks happen again and again.

(3) AB&C (Anti Bribery and Corruption)

To build up the AB&C policy and procedure to comply with the domestic law and regulations, and the external laws and regulations, like the Anti-bribery & Corruption laws of America and UK.

To monitor and approve the relative business and finance applications and procedures.

To improve the Ethics and ABC awareness through training to all the employees and the upper-level managers.

To maintain all the application and approval documents for the Chinese regulator and SEC of America inspections.

(4) Affiliated Transaction management

To establish the Affiliated Transaction management framework to comply with the CBIRC requirements.

To implement the Affiliated Transaction polices to standard the operation procedures with the help of HR, Board Committee Secretary and Finance Depts.

To develop the enterprise Affiliated Transaction system to monitor the risk indicators.

Unit C. Compliance Risk Management Program (CRMP + NFRA)

To set up the KRAs to oversight the business compliance.

To establish CRMP and implement the annual M&T (Monitoring and testing Mechanism) to monitor the compliance risks metrics to comply with the global and regional compliance policies and procedures.

To define, improve and implement compliance program and drive effective compliance risk management.

To coordinate and conduct NFRA (Non-Financial Risk Assessment) implementation cover all the business and function areas, which identifies and measures the inherent risks, effective-controls and residual risks.

Unit D. Regulatory Affairs Unit

Based on the stringent environment from CBIRC, more and more projects of intermediary business management were launched for the comprehensive business reorganization, accompany with more and more punishments from CBIRC.

This unit is responsible for the rectification of all the business and management according to compliance requirements and findings, compared with the rules from CBIRC’s projects.

To focus on ongoing evaluation of adherence with relevant regulations and rules, issue identification, assess the impact of regulatory change and work with the distributions and functions to build and maintain control and self-assessment mechanisms to remain in compliance with laws and regulations, and to protect the reputation and franchise.

To liaise and contact with regulators on an on-going basis, handle regulatory enquiries, surveys and requests. Attend the meetings with regulators on regulatory issues or business initiatives.

To participate in ad-hoc requests, special projects and regulatory exams directed by other organizations within the compliance dept.

To embed and mature internal control framework to strengthen control environment and governance. To design and ensure implementation the internal control framework that enables enough risk oversight and effective controls.

To cooperate with the on-site inspection projects by CBIRC and local CBIRCs. There were 9 on-site inspections in last 2 years. Compliance team was responsible for all the coordination, regulation interpretation, follow-up all the findings until rectification completion, etc.

Unit E. Special Support

(1)Privacy risk mitigation

To continuously track information security and privacy related laws and regulations and timely analyze, mitigate the follow-up gaps between company practices and relevant legal and regulatory requirements.

To assist in Global Privacy policies, procedures and processes execution in MLC and ensure privacy practice compliance with both China privacy related laws and regulations as well as MetLife Global privacy guidance.

To improve the data security & privacy management level (including data cross board transformation) for compliance with the cyber security laws and global privacy policies as the chairman of the data security & privacy committee. In 2021 when PIPL(Personal Information Privacy Law) was launched on Aug 20, Compliance immediately led all the stakeholders to interpretate the new laws, establish the gap analysis, implement the mitigation plans to ensure to comply with the new laws’ requirements since the effective date.

To conduct the privacy related and personal information security incidents investigation to prevent the data breach from optimization the system protection strategy.

(2)Data Analysis

To support all the distributions development, compliance extracts the KRA and sets up the data analysis model to oversight the sales practice for the all-processes monitor.

(3)Compliance Awareness and Culture improvement

To provide compliance training as required.

To build up the China compliance culture and improve the Compliance Awareness, like the ethics policy and code of conduct, I design the improvement mechanism, like as below,

To the new joiners, compliance conducts the adequacy and effectiveness training for comply with the external and internal policies.

To all the employees, global launches the compliance training programs one by one through the My-Learning platform.

To the senior manager, compliance dept. announces the updated regulations to CLT (Core Leader Team, including CEO, lines heads, branch GMs) members and monitors the pending regulatory changes to comply with them through weekly VOC (Voice of Compliance)

To follow up and respond the regulatory findings, deficiencies, and violations to the relative regulators.

(4)Investigation

To conduct the cases investigation from the Global SIU (Special Investigation Unit) and China whistle-blowing system (from the CCO special email address) to optimize the internal procedures and policies.

To gather, review, investigate and analyze the results to identify potential issues, escalating potential risk issues to the appropriate coverage areas and providing input on potential corrective action plans designed to address issues that are identified.

2. August 2016 to June 2018

(1) General Manager of the Legal and Internal Compliance Department in the Ping An 1Qianbao Electronic Business Co., Ltd

(2) Director/Deputy General Manager in the Ping An Pay Technology Service Co., Ltd

(3) The Chief Compliance Officer of Hong Kong Elink Business Co., Ltd of Ping An group.

Reporting to CEO

People Managed: 16 members

Responsibility:

A.Compliance

Including Compliance review, assessment (for the new products, the new processes, the new business, the new systems), compliance culture building, compliance training, AML, etc.

Especially, responsible for BRCC( Business Risk Compliance Committee): monthly report the risk management based on ERM model, distinguishing for 8 kinds of risk(Key attention: credit risk, operation risk, fluidity risk, legal and regulatory risk, market risk, reputation risk, strategy risk and compliance risk); evaluation and prevention, monitor and check, report and communication feedback, show and prevent risk, timely take the effective rectification, deeply facilitate the compliance management.

To follow the policy and requirement from the PBOC.

To investigate the violation case and penalize the violated staffs.

To execute the outgoing compliance review for the branch.

At the meantime, as the Chief Compliance Officer of Hong Kong Elink company, have a good relationship with HKMA (Hong Kong Monetary Authority. I am responsible for the risk, compliance and AML according to the HKMA regulations.

B.Regulatory Affairs

To make sure that our company and all the business follow the regulations.

To execute the special requirement from PBOC, SAFE and HKMA.

To submit the monthly (including quarterly, yearly) report to the regulators.

To attend all the meetings from the regulators and arrange the strategy.

To assess the payment institution Classification Rating yearly and start the new AML Classification Rating from 2017.

C.Audit and Internal Control

To set up the internal control system according to the C-SOX regulations.

To assess all the business process, submit the defects and recommendations, follow-up the rectification.

To formulate the AML monitor model and KYC policy.

D.Operational Risk Management

To set up the Operational Risk Management System, make all the relative rules.

To monthly monitor the KRIs of the whole company.

To assess the operational risks before the new business, new process or new products announce.

E.Legal

According to the Laws and regulations interpretation, closely communicate with the senior managers.

To deal with the ownership of our company.

To handle with the litigation with the help of the lawyers.

3. Mar 2015 to August 2016 Lufax of Ping An Group

Head of Audit and Internal Control Department

Compliance Head of the Lufax Assets Management Company (AMC)

Reporting to CEO (American)

People Managed: 8 members

Responsibility:

A. Internal Control

To set up the internal control system according to the C-SOX regulations.

To assess all the business process, submit the defects and recommendations, follow-up the rectification.

To formulate the AML monitor model and KYC policy.

B. Operational Risk Management

To set up the Operational Risk Management System, make all the relative rules.

To monitor the KRIs of the whole company.

To assess the operational risks before the new business, new process or new products announce.

To report the Operational Risk issues to the Pingan Group.

C. Audit

To make the annual audit strategy, approved by the Company Audit Committee.

To set up the audit defense line.

To investigate the violation case and penalize the violated staffs.

To execute the outgoing audit for the senior managers.

4. May 2008 to Mar 2015, Consumer Finance company of the Ping An Group

(From 2015, the name of this company was changed to Ping An Pu-Hui Enterprise Management Co., Ltd)

Head of Compliance and Internal Control Department

Reporting to CEO (Korean)

People Managed: 20 members in HQ, at the meantime manage all the compliance officers in every branch of the whole country, more than 100 members.

Responsibility:

A. Compliance

Including Compliance review, assessment, culture building, keep good relationship with the regulators, AML, etc.

B.Internal Control

Including Internal control management and review continuously monitor, monthly track and analyze, etc.

Especially, build self-assessment system of internal control according to the C-SOX rules .

C.Legal

Including the Laws and regulations interpretation, review, etc.

Especially, make strategic development, means participate in strategy study for corporation operation and development, formulate the future development plan of company

D.Audit

Including lead the Sanction Committee of HQ company, audit check (create the Mystery shopping check), violation investigation, etc.

Especially conduct Risk Rating for Branches through Key Risk Indicator (KRI), LEM and risk and control self-assessment (RCSA) and timely give the pre-warning.

5. May 2007 to May 2008, of the Bank of East Asia (China) Limited

Manager of Compliance and Legal Supervision Department

Reporting to the chief of Compliance (Hong Kong HQ)

People Managed: 6 members in HQ, at the meantime manage all the compliance officers in every branch of China, more than 25 members.

Responsibility:

A. Compliance review responsible for reviewing all the business processes, esp. new product and business

B. Regular report responsible for writing various reports in terms of laws and regulations to the Hong Kong HQ.

C. Compliance assessment: responsible for assessment for compliance management of all the branches.

D. AML: responsible for monitor the suspicious data, analyze the custom transaction, KYC, etc.

6. Feb 2001 to May 2007, of Shenzhen Development Bank

Manager of the Compliance Dept., HR Dept., Administration Dept.

Reporting to the department head

People Managed: 3-5 members

Responsibility in the Compliance Dept.:

A. Joined investigations and handled all violation cases, letters and calls, and the fraud cases.

B. Keep good relationship with regulators Responsible for maintaining relation with regulators, submission and review all the documents for regulators, keeping effective connections between compliance management and internal approval, supervision, and rectification.

C. Monthly report responsible for writing monthly reports according to the regulation from the CBRC.

D. AML daily monitor, KYC, etc.

7. Dec 1999 to Feb 2001, of China Development Bank as the Manager of Administration

8. July 1995 to Dec 1999, of China Investment Bank as the Manager of Credit management

Professional License:

1. Banking Industry Association of China——Qualification for Working in China’s Banking Industry

2. Certificate of Compliance Management Staff of Foreign Exchange by State Administration of Foreign Exchange.

3. Certificate of qualification for Risk Management and Internal Control of Consumer Finance Business by PBOC.

4. Certificate of 6-sigma Green Belt in Dec, 2011.

5. Senior Compliance Assessment Specialist of Pingan Group in Jun, 2013

6. Certified Internal Control Specialist, CICS in Aug. 2013 (from America)

7. AML specialist, PBOC in May, 2014

8. Certificate of the AML specialist by ACAMS (Association of Certified AML Specialist, America) in Dec, 2014

9. Security & Funds Industry Association of China——Qualification for Working in China’s Security & Funds Industry in 2016.

10. Security Association of China——Qualification for Working in China’s Securities Industry in 2016.

Main Award Record:

Award name

Time

Granted by

Pace-setter in the new Long March in Shanghai city

Apr,2003

Shanghai Government

Top Ten Outstanding Young People

May,2003

Shanghai Government

Advanced worker in Labor Union of Bank Shanghai branch

May,2001-May,2004

Branch

Excellent leader for Youth League Committee of Bank branch

Apr,2001-Apr,2003

Branch

Advanced worker in Labor Union of Bank HQ

May,2005

HQ

Monthly Star

Aug,2009

Ping An

Monthly excellent organization department

Sep,2009

Ping An

2009 Excellent Worker for Labor Union

Jan,2010

Ping An Group

2009 Excellent Labor Union

Jan,2010

Ping An Group

2009 Excellent Staff Club

Jan,2010

Ping An Group

2009 Excellent Compliance Culture Promotion

Jan,2010

Ping An Group

2009 Compliance Elite

Jan,2010

Ping An Group

2010 Best Team

Oct,2010

Ping An

2010 Excellent Worker for Labor Union

Jan,2011

Shanghai Government

2011 Ten Excellent Trainers

Apr,2011

Ping An

2011 Best Compliance Training Announcement

Dec,2011

Ping An Group

2011 Best Labor Union

Mar,2012

Ping An Group

2011 Best Admin Manager

Mar,2012

Ping An Group

2012 Best Legal Unit

Sep,2012

Ping An Group

2012 Group Compliance Excellent Management

Dec,2012

Ping An Group

Senior Compliance Expert of Pingan Group

Jun,201

Ping An Group

2018 New Joiners Recognition for excellent performance as a new joiner

Jan,2019

MetLife Regional Ethics and Compliance

The Recognition of Re-building the Great Wall of China in Asia

May,2019

MetLife Global

MLC Excellent Star 2019

March, 2020

MetLife China

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