Charles Kabano

• Investigate and assess exceptions alerts for potential money laundering risks in the Bank

• Ensure effective identification and escalation of potential true hits

• Daily monitor of exceptions queue and ensure all payments are actioned before the currency

•Communicate with business units & GFC team for clearance of exceptions.

• Ensure timely, efficient reporting of daily &, MIS

Identify, communicate, and remediate process breakdowns and best practices

• Create and deliver reporting on process effectiveness to leadership team

• Establish working &, effective relationships with global teams

• Ensuring documentation and standard operating procedures are up to date with all relevant

•Maintain a current understanding of money laundering and terrorist financing issues, including policies and procedures.

• Assist leadership team as needed

• Partnering with various Business Units / Operations Teams and the AML Legal and Compliance

• Point of escalation and responsible for stakeholder management.

• Lead various initiatives to mitigate risk, enhance controls, and improve processes.

• Point of contact for AML Legal &, Compliance, and regulatory audit requests.

Responsible for providing multi-dimensional modeling risk (MDM) grading for commercial loans of all sizes and types to commercial, agricultural, dealer, leasing, and private services personnel.

Assists field personnel in the proper structuring of grading, source system data matching, and exception clearing.

Responsible for assessing the probability of default of the borrowers and guarantors, and loss given default of the specific loan.

Based on the analysis, I am responsible for making recommendations and determining the course of action to take with regard to loans.

Works with the MDM central processing to assist field commercial lending personnel in assessing the risk inherent in commercial loan transactions.

Responsible for creating new grading scenarios and updating existing scenarios already in the system, along with the resolution of data mismatches between the MDM application and the loan system where the loan is boarded.

Provides grading of all loan types, including commercial and industrial credits, commercial real estate, dealer flooring, leasing, non-profit, agricultural, and individual borrowers (including reliant guarantor grading).

Interact with lending personnel across Utah and Idaho, and develop and maintain reports.

Performs a variety of operational services to support the Asset-Based Lending function.

Reviews, analyzes, and determines the legitimacy and accuracy of customers' data (Accounts Receivable, Payable, and Inventory).

Obtains additional information from customers and other banking departments on incomplete or unusual terms through telephone or written communications.

Reviews loan documentation, establishes, and maintains customer accounts in an Asset-Based Lending Software System.

Compares and records financial statement elements to the monthly and quarterly data received from the borrower.

Works with various software applications and provides written trend analysis comments.

Research and resolve inquiry and operational issues.

Processes accounts receivable, payable, and inventory collateral transactions, including loan payments and advances.

Maintains collateral, and determines collateral eligibility for advances.

Reviews accounts to help detect potentially fraudulent activity.

Perform startup dimensions in Oracle as required.

Submit daily lots to quality assurance for final audit.

Package and weigh the products and make labels.

Complete the paperwork.

Inspect parts visually and using tools.

Anneal products as required, and document information as required in MPS.

Make computer entries.

Assist in the training of new operators, as required.

Perform re-inspection, re-work, as requested. Perform other related tasks as required.

Coordinate branch operations activities and ensure the units deliver on the balance sheet, P&L, quality loan book, and agency banking targets.

Working with the branch manager to drive business growth and development of the branch.

Ensure 100% compliance with the bank’s policies and procedures.

Promote the bank's brand image.

Ensure a high productivity level of branch staff through coaching and performance reviews.

Handling customers' complaints and ensuring adequate solutions are achieved.

Participate in the Branch Credit Committee and advise on the approval process.

Assist the branch manager in the preparation of the branch budget and monitor its implementation.

Supervise all cash transactions, including ATMs and cashiers.

Daily monitoring of all branch GL.

Prepare and report all high-volume cash transactions to be sent to the central bank.

Manage the customer's queue.

Ensure 100% compliance with all cash transactions to mitigate any cash differences or risks related.

Help the branch accountant in the preparation of monthly bank returns.

Ensure compliance with risk registers, and establish the risk registers. Act as the custodian of the risk management policy, and perform any other duties as required by the manager.

Reconciliation of office accounts.

Prepare the monthly branch return.

Payment and reconciliation of suppliers at the branch level.

ATM replenishments and reconciliations.

Financial Reporting – For Profit & Loss, Balance Sheet at the branch level.

Monitor and review accounting and related system reports for accuracy and completeness.

Prepare and review budgets, revenue, expenses, invoices, and other accounting documents.

Analyze revenue and expenditure trends, recommend appropriate budget levels, and ensure expenditure control.

Identify potential locations for bank agents and merchants.

Recruit, train, and field supervision of bank agents and merchants.

Analyze agents' and merchants' business turnovers for the approval process.

Issue and collect back agency and merchants' transaction books.

Ensure that agents and merchants' POS systems are always working.

Ensure compliance and customer service at agency and merchant locations are within bank standards.

Collect customers' and agents' feedback from the field, and submit it to the management.

Do any other duties required by the manager.