Hang Y.

➢ Assess the company’s operation risks in providing money services, i.e. international remittance business and payment processing business. Advise management on the company’s compliance risks, and take initiative to identify any risk of money laundering, fraud, as well as sanctions; ➢ Analyze AML/CTF regulations of the countries and/or regions that the company carries out and intends to carry out its business, such as U.S., HK, Australia, New Zealand, Philippines, China mainland and etc. Ensure the internal KYC programs, CDD/EDD policies and procedures, risk management programs and etc. are implemented accordingly while achieving the company business goals; ➢ Draft, review and update internal AML/CTF policies to stay current with the updates and trends of AML/CTF requirements; ➢ Create, implement and assess risk management, risk control and transaction monitoring strategies in order to mitigate potential money laundering, fraud, and sanctions risks to the company; ➢ In charge of financial license application, license renewal, and bank account opening in Hong Kong and USA; ➢ Communicate with regulators and cooperating banks with respect to AML compliance (principally HK and US)；Submit suspicious transactions questionnaire as requested by the cooperating banks; ➢ Responsible for the overall management of compliance team located in China. Supervise customer on-boarding process and review customer risk evaluation. Coordinate, and communicate with, and support the Group’s overseas compliance officers; ➢ Develop, schedule and coordinate company-wide training regarding AML/CTF and relevant issues. Supervise the development of training procedures to ensure compliance with applicable regulatory requirements.

➢ Conduct due diligence on prospective customers and periodic review existing customers following Standard Chartered Bank’s internal policies; ➢ Assess customer risk and escalate suspicious activities; ➢ Emphasis in Hong Kong AML/CTF regulations and implementation; ➢ Outstanding performance on CDD/EDD implementation.