Stefan Hubenov

- Scoping and performing end-to-end audits within various business topics (Anti-Financial Crime, Outsourcing, Human Resources, Regulatory Compliance, Complaints Management etc.) based on regulatory requirements (GWG, KWG, MaRisk, MaComp, WpHG, etc.) and best practices; - Issuing findings and recommendations for process/control improvements and following-up on identified gaps. Validating the measures implemented by the auditees; - Interaction with stakeholders to achieve timely and productive collaboration.

- Revamped the whole AFC Controls project by transferring the control plan and the executions of the controls in an automated system for better audit trail and transparency. - Executing the AFC Controls on a daily basis by testing the required information and analysing the provided data. - Acquired general knowledge of SQL database, knowledge to build queries and analyse the gathered data. - Involved in preparation of audit related documentation (both internal and external).

Built and implemented a fully automated quality assurance process that oversees anti-financial crime operations department in their daily tasks. The process managed to help improving multiple aspects of the operational activities by continuous execution and provision of reporting and feedback to both the team leaders and direct management on the quality of work of analysts and the quality of the procedures in place.

Rebuilt the QA process and increased the quality of the team by 30% in Q4 of 2020. Providing weekly feedback to agents and direct management both on the quality of work and the quality of the used processes. Escalating procedural issues and unifying the way all operational agents perform their assessments. Actively involved in the training of the new-joiners. Preparing documentation, leading shadowing sessions. Responsible for the capacity planning and the scheduling of the operational team.

- Writing internal policies, procedures and manuals. - Document, and ensure communication of, key risks. - Analysing fraudulent behaviour - Preventing bonus abuse / charge-backs - Recommend ways to control or reduce risk. - Identify key risks and mitigating factors of potential investments - Assess risks to business operations. - Analyse business or financial data. - Gather risk-related data from internal or external resources. - Provide statistical modelling advice to other departments.

- Analysing customer data, verifying KYC documentation and performing Enhanced due diligence checks. - Forensic analysis of transaction patterns and risks - Documentation of suspicious activities, as well as extensive research into suspicious activities in order to define required actions - Close collaboration with teams across all offices on investigation of complex cases, reporting of suspicious activity reports to the FCA. - Participation in internal projects concerning product development and new markets