Poon Nga Sze Alice
Risk & Control Manager
Hong Kong
Summary
Accomplished risk manager with over a decade of expertise in overseeing all aspects of risk functions within a business. Skilled in identifying, measuring, managing, and reporting risks to ensure compliance with policies, rules, guidelines, and regulatory requirements. Enhances operations through effective employee motivational strategies and robust policy enforcement. Demonstrates ability to streamline processes and achieve results, recognized for collaborative leadership and adaptability to changing needs.
Overview
25
25
years of professional experience
13
13
years of post-secondary education
1
1
Language
Work History
Risk & Control Manager
Chong Hing Bank
08.2022 - Current
- Oversee the Risk & Control of the department
- Conduct transaction monitoring and investigate suspicious transaction alerts identified through the AML/CFT systems
- Approve all new customer onboarding and periodic / trigger event account reviews and recommend high ML / TF risk relationships case to management for their approval
- Evaluate the transaction activities of high-risk users to ensure compliance with business rules
- Provide advisory services on AML/CFT matters to internal stakeholders
- Assist the development, implementation, review and enhancement of the AML/CFT framework including policies, guidelines, procedures and systems to ensure its up-to-date, effectiveness and efficiency with regulatory requirements
- Provide timely AML/CFT-related regulatory updates and manage preparation of corresponding gap and impact analyses to internal stakeholders
- Conduct periodic institutional AML/CFT risk assessment
- Participate in working groups of new products / services to advise on any necessary establishment or enhancement of AML/CFT controls
- Lead AML-related product initiatives and provide guidance to the team on KYC/AML/EDD procedures
- Lead or coordinate with internal stakeholders on AML/CFT control enhancement projects
- Ensure adequate support as user role to system development, implementation, review and enhancement of AML/CFT-related workflows, as well as bank-wide projects involving AML/CFT controls including account opening, periodic / trigger event review and customer risk assessment etc
- Liaise and co-ordinate with internal audit and compliance review functions for audits, reviews and corresponding follow-up action
- Design and deliver AML/CFT training to all staff
- Maintain effective working relationships with internal stakeholders
- Handle any ad-hoc tasks as assigned
AML Compliance Manager
The Bank of East Asia, Limited
01.2020 - 08.2022
- Oversee the Customer Due Diligence operations of the department and review the AML/KYC compliance controls and identify areas for improvement
- Provide advisory to the management on AML/CFT issues
- Perform gap analysis, control self-assessment to ensure department is in compliance with applicable regulatory rules and requirements
- Perform execution of AML/KYC programs and inter departments co-ordination to monitor and ensure effective implementation of the control measures
- Perform AML risk assessment business relationship whenever required
- Set up project plans for compliance related projects and implement to enhance existing workflow
- Provide advice on name screening findings, hits and sanction compliance for transaction screening
- Perform investigation on the escalated unusual transaction report and submit suspicious transaction report to Compliance Department
- Conduct regular review and update AML-related guidelines and procedures
- Review and ensure the accuracy of the Monthly Risk & Compliance Report prepared by Officer and submitted to management for review
- Develop and conduct AML compliance training sessions and provide AML compliance advisory services to department colleagues
- Perform ad-hoc AML compliance projects
Assistant Credit Management & AML Compliance Manager
The Bank of East Asia, Limited
01.2014 - 12.2019
- Handled compliance review of customer account on a regular review or trigger event basic
- Provided advisory service on Anti-Money Laundering and Counter-Financing of Terrorism (AML/CFT) related queries from department colleagues
- Investigated cases with money laundering alerts by collecting, collating and disseminating evidence of any suspicious account activities or irregularities with recommendations for management review
- Prepared suspicious transaction report to Compliance Department after management review
- Provided training by preparing training materials or designing the workflow, providing guidance to department colleague for task completion and other ad hoc projects
- Assisted in design and modify the credit logic of the Credit Decision Accelerator (CDA) to strengthen the auto approval processing in credit system and satisfy the Bank's credit policies and compliance requirement
- Assisted in the establishment of enhanced AML system projects
Senior Credit Processing Officer
The Bank of East Asia, Limited
01.2010 - 12.2013
- Prepared credit proposals for customer applications of Credit Card and Unsecured Loan with deviation against the Bank's credit policy for seeking management's approval
- Handled customer requests of credit terms adjustment (e.g. credit line adjustment, concession on interest rate, waiver of arrangement fee or withdrawal fee etc.) for Credit Card, Overdraft Facility and Revolving Loan
- Performed credit portfolio account review on Credit Card and Unsecured Loan
- Processed monthly data contribution, suppress enquiry alert and opt-out request from customers to the Consumer Credit Data with TransUnion Limited (TU)
- Participated in User Acceptance Test for new business initiatives, marketing programs and system enhancement
- Supervised and monitored the daily clerical duties of subordinates, leading to meet the service pledge and providing coaching to achieve task objectives and quality of work
- Handled and supported ad hoc tasks and projects
Senior Clerk
The Bank of East Asia, Limited
01.2004 - 12.2009
- Supported the Credit Officer on documents preparation for credit assessment
- Handled and liaised with customers for their requests of loan re-arrangement or rescheduling
- Prepared periodic reporting to senior management
- Managed filing system to ensure all documents were filed properly
- Provided on-the-job training and guidance to junior staff and new hired
- Handled and supported ad hoc tasks and projects
Operation Coordinator
Canadian Insurance Company Limited
08.2000 - 01.2004
- Company Overview: An Insurance Agency firm held by Chinachem Group
- Acted as a deputy of general administration coordinator and assistant accountant
- Prepared quotations and confirmation to the insurer for price searching and issuance of policy
- Issued insurance policies and prepared endorsement for terms and conditions adjustment
- Prepared debit/credit notes to customers upon receipt of final confirmation from the insurer
- Supported the monitoring of policy renewal system and prepared renewal notice to customers
- Assisted in handling claims documents and relevant enquires from customers
- Answered enquires from internal and external customers
- Provided secretarial and administrative support to the department
Education
Certificate - General Mediator Training Course
The Chinese University of Hong Kong - CUSCS
10.2021 - 10.2021
Certificate - Module (ECF on Anti-Money Laundering and Counter-Financing of Terrorism Professional Level)
The University of Hong Kong - SPACE
07.2019 - 08.2019
Advanced Certificate - ECF on Anti-Money Laundering and Counter-Financing of Terrorism (AAMLP)
The Hong Kong Institute of Bankers (HKIB)
04.2017 - 06.2017
Executive Certificate - Finance and Compliance
The University of Hong Kong - SPACE
02.2017 - 05.2017
Bachelor - Management Studies
The University of Hong Kong
03.2006 - 03.2010
Diploma - Business Management
The University of Hong Kong - SPACE
03.2002 - 03.2003
Certificate - Business Studies
The University of Hong Kong - SPACE
09.2001 - 12.2001
A Level - undefined
Po Leung Kuk Viewood K.T. Chong Sixth Form College (Evening Section)
09.1998 - 04.2000
HKCEE - undefined
Lutheran Secondary School
09.1992 - 03.1998
Skills
Team leadership
Operations management
Decision-making
Time management
Staff training and development
Performance management
Project management
Expected Salary
- Current Package Basic (HK$32,630) + Guaranteed Double Pay+ Discretionary Year-end Performance Bonus
- Expected Package Negotiable
Notice Period
One month’s notice
Timeline
Risk & Control Manager
Chong Hing Bank
08.2022 - Current
Certificate - General Mediator Training Course
The Chinese University of Hong Kong - CUSCS
10.2021 - 10.2021
AML Compliance Manager
The Bank of East Asia, Limited
01.2020 - 08.2022
Certificate - Module (ECF on Anti-Money Laundering and Counter-Financing of Terrorism Professional Level)
The University of Hong Kong - SPACE
07.2019 - 08.2019
Advanced Certificate - ECF on Anti-Money Laundering and Counter-Financing of Terrorism (AAMLP)
The Hong Kong Institute of Bankers (HKIB)
04.2017 - 06.2017
Executive Certificate - Finance and Compliance
The University of Hong Kong - SPACE
02.2017 - 05.2017
Assistant Credit Management & AML Compliance Manager
The Bank of East Asia, Limited
01.2014 - 12.2019
Senior Credit Processing Officer
The Bank of East Asia, Limited
01.2010 - 12.2013
Bachelor - Management Studies
The University of Hong Kong
03.2006 - 03.2010
Senior Clerk
The Bank of East Asia, Limited
01.2004 - 12.2009
Diploma - Business Management
The University of Hong Kong - SPACE
03.2002 - 03.2003
Certificate - Business Studies
The University of Hong Kong - SPACE
09.2001 - 12.2001
Operation Coordinator
Canadian Insurance Company Limited
08.2000 - 01.2004
A Level - undefined
Po Leung Kuk Viewood K.T. Chong Sixth Form College (Evening Section)
09.1998 - 04.2000
HKCEE - undefined
Lutheran Secondary School
09.1992 - 03.1998
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