Danilo Benipayo

• Conducted a retrospective validation on the FIS (fka GIFTS Software) AML solution in order to provide a high degree of assurance that GIFTS EDD will effectively monitor LBBW’s customers and US Dollar (USD) activity o Developed and submitted a project plan o Provided a weekly update dashboard o Identified issues that have direct impact on their BSA/AML program o Submitted recommendation to address or resolve issues

• Review current procedures for TD Bank’s US CIP and EDD operational process and provide recommendations specific to US regulatory compliance and expectations • Charged with rewriting procedures using a uniform and comprehensive format and incorporating (Visio) workflows • Provide recommendation to enhance CIP/KYC/EDD process • Evaluating current CIP/KYC/EDD workflow and provide process improvement using lean Six Sigma methodology • Interacted with various business units to assist in drafting their act

Performed EDD on “Triggered” HRAC accounts (consumer/business) captured in Citibank’s eCADD (Customer Acquisition Due Diligence) case management system | Ensure CIP required information in all “Triggered” accounts | Update KYC information on branch wide client application (Concierge) | Effectively navigated various Citibank’s CISC-based applications including -- Teller system -- Check Archival system -- National Client System -- Statement Archival System -- Provided EDD documentation for each eCA

Business Support Analytics • Support the optimization exercise by conducting targeted review of thresholds associated with into the case investigation process • Case Scoring Framework - developed a case scoring in MANTAS by identifying risk attributes as part of the scoring methodology thereby employing another layer of risk-based approach to the cases requiring urgent attention. Additionally to implement an auto assignment feature. • Interacted with Fed examiners to address AML deficiencies. Team l

Unit Manager – VP Transaction Surveillance Unit • Manage a total of 2 employees • Developed and implemented a recommendation to effectively monitor bank to bank transfer • Enhanced the procedures for effective handling and tracking of FinCEN314(a) requests • Conducted a review of the ACTIMIZE Case Manager overall surveillance approach of transactions and various types of accounts • Detected inefficient detection rules and implemented changes to alleviate unnecessary alerts. • Supported the local sanc

Managed the Transaction Monitoring Unit consisting of 6 people as well as a staff of 15 in Chennai, India | Part of management to address issues identified by the regulators by performing transaction lookback | Designated as the OFAC officer for the Bank.

Managed a team of 4 to proess EURO payments via TARGET and eCHAPS payment systems.| Processed USD payments via FEDWire and CHIPS.

Manage the funds transfer night operations | Reviewed same day wire payments held by the Standard Chartered Bank’s OFAC filter. | Interacted with OFAC to determine payments are to be rejected/released/seized |Trained and migrated the night operations to Chennai, India