AMANDA HUI SIEN LAU

• Part of the APAC Compliance team (Singapore) responsible for onboarding clients booked in APAC across Niums' multiple platforms to enable pay-ins [35 different countries], pay-outs [190+ corridors], and card issuance [30+ markets] globally, across different merchant models (B2C, B2B, B2B2B, B2B2C).
• Product Compliance - for a new APM vertical called Nium Checkout wherein daily responsibilities include but are not limited to: Onboarding, CDD, across different payment network entities (payment gateways, payment aggregators) and across different merchant models (marketplaces, resellers, domestic).
• Sole Contributor in respect of all ongoing Socash Compliance operations re Malaysia and Indonesia, supporting role to Singapore once the acquisition of Socash was completed in April 2022.
• Managed practical action plans to respond to audit discoveries and compliance violations.
• Collaborated with internal and external stakeholders, auditors and legal counsel to confirm compliance with applicable laws and regulations.
• Implemented improvement initiatives and developed compliance testing program to monitor and identify gaps in new and existing practices.
• Responded to employee inquiries from Business Development regarding compliance regulations and procedures.

Key Achievements

• APAC Compliance team came up with a system debrief to underline all running issues preventing cases from being remediated within acceptable limits for Senior Management.
• Designated SPOC re data and privacy matters for APAC – Collaborated with the Group DPO to curate a Data Awareness Campaign surrounding principles of GDPR for specific Business units within Niums' global operations.

• Part of the founding team in setting up Socash operations to enable it to go live in Malaysia; hired to do a dual role - Account Management/Compliance.
• Onboarding Specialist: First point of contact regarding inquiries pertaining to KYC/KYB of Socash merchants in Malaysia, Singapore, and Indonesia before onboarding onto the Socash network.
• Perennially updating the AML Policy and SOP documents for Socash; ensuring compliance within both external regulators and legal requirements are met.
• Maintenance of policies and processes within the financial services - Payment Services Act (PSA) framework from MAS.
• Handling daily operational compliance activities including but not limited to: Merchant Onboarding, Merchant Risk Ratings, Monthly Screening Report, App User Onboarding, Transaction Monitoring.
• Reviewing and changing the terms of the Merchant Agreement for specific Merchants with different needs.
• Working with internal/external stakeholders to manage the company’s compliance framework and business opportunities with adherence to current and future regulatory guidelines.

Key Achievements

• Cross-trained existing employees to maximize team agility and performance.
• Conducted in house AML training and e-KYC training for internal stakeholders forming part of Operations team.
• Came up with the Merchant Acquisition Guide/SOPs for newcomers to understand the end- to-end process from the time of signing up all the way to onboarding of Merchant(s).
• Had to juggle Compliance operations for all three regions when the need arose for long stints.

• Strategic Partnerships: Identified potential merchants from the melting pot of food demographics in the Klang valley to help grow the Food vertical business.
• CRM/Marketing: Always in constant contact with my clients –by attending to their everchanging needs & wants in regard matters of Merchant Pay-outs, Content Management, Marketing, Operations, and (End-to-end process from acquisition until going live).

Key Achievements

• Compliance Sanitization: Came up a Document brief which entailed documents that needed to be collected alongside the Merchant Agreements, for the Food Vertical team which was non-existent in the Onboarding process.

• Learned the prerequisites of being a Compliance Agent; from processing different queue items, managing AHT, keeping up with ever-changing policies, upgrades, and work-flow changes
• Practiced Customer Due Diligence and Compliance Regulations and Policies to combat both Anti-Money Laundering (AML) and the Financing of Terrorism (CFT)
• Queues skilled in include but are not limited to KANA, APAC CIP, DC Appeals, Global CIP, and FN Appeals
• KYC/KYB regions worked on including Malaysia, Vietnam, Thailand, Singapore, Philippines, Australia, New Zealand, Sri Lanka, United States of America
• Stayed current with latest changes to applicable regulatory standards and company procedures.
• Admin Tools Used: LexisNexis, Experian, KANA, Attack, Zoot, One Source, ARMOR

Key Achievements

• Maintained a zero-error rate in the 3rd and 4th Quarter during the period of 2016-2017; received a spot award
• Handpicked to learn and confer best practices in the Risk & Spoof Department and to teach the same from the Compliance team.

• Principal duties include conferring with clients in person or by telephone, charting out, setting up appointments, giving tours, and dispensing information on the multitude of programs available at tertiary level at BAC
• Systematically updating the online database daily with a detailed report of the clients’ background, queries, and follow-up appointments ensuring that the clients have the full- fledged support of the BAC team before embarking on their tertiary pursuit.
• Gained strong leadership skills by managing projects from start to finish.

• Daily responsibilities include but not limited to meeting new applicants, training, teach- backs, being mentor to new team members.
• Conducted training and mentored team members to promote productivity and commitment to professional service.
• Assisted in recruitment of new team members, hiring highest qualified to build team of top performers.

• Principal duties included interviewing clients in person or by telephone, assist and support the clients in choosing a course of action, negotiate or mediate with creditors and/or service providers as well as exploring all possibilities for action and their possible effects by making full use of bureau information resources
• Referred clients to specialist help either within or outside the bureau and making sure accurate information was dispensed to the clients
• Ensuring that each case was accurately recorded and followed up with appropriate action.
• Attended training courses to build understanding of processes, techniques, and industry.