Robert Punz

• Development and updating of internal principles for the prevention of money laundering, terrorist financing and other criminal activities in accordance with the insitution´s global standards • Advisory function for business lines and compliance SMEs • Contact person for the local Financial Supervisory Authority (BaFin), the German FIU and other prosecutors • Oversight of AML & CFT transaction monitoring and sanctions screening activities activities

Managing a team of 3 direct reports responsible for daily Compliance tasks in the markets of Austria and Bulgaria including: Transaction monitoring Reporting of suspicious activity to the responsible FIUs Responding to subpoena requests from FIUs, prosecutors, and police units Agent and subagent due diligence KYC-related customer outreach, e.g., in connection with fraud prevention KYC-related reinstatement of blocked customers

Responsible for daily compliance-related tasks for the Austrian market Transaction monitoring and suspicious activity reporting Responding to subpoena requests from FIUs, prosecutors, and police units Agent and subagent due diligence Preparation, distribution, and control of AML compliance trainings for new employees, agents, and agent/subagent employees, as well as annual refresher trainings Periodic updating of AML compliance operating instructions for money transfer operators

KYC-checks of new online customers Responding to subpoena requests related to the use of online services throughout the European market Handling of customer complaints