Narzia Florin, MBA, MSc, IFIC.

• Managing and leading the FIU team, providing direction on financial crime investigations. • Developing and implementing policies and procedures to ensure compliance with regulatory requirements. • Supervising the review of suspicious transaction reports (STRs) and ensure timely filing with regulatory authorities, analyzing financial data to identify unusual or potentially illicit activity, monitoring transaction patterns for risk assessment and escalation. • Ensuring the organization complies with AML/CTF laws, including FINTRAC, OFAC, and other relevant standards, liaise with regulators and law enforcement agencies as necessary. • Training staff on AML/CTF policies and financial intelligence best practices. Foster a culture of compliance and ethical business practices. • Identify gaps in the AML control framework and recommend enhancements. Conduct regular risk assessments and maintain documentation of findings. • Work closely with internal teams (e.g., legal, compliance, and risk management). Collaborate with external stakeholders, including banks, regulatory bodies, and industry peers.

• Transaction monitoring of assigned accounts to assess potential suspicious activity on the account, such as money laundering including STR filling. • Conducted periodic, quarterly and/or annual AML/KYC reviews using TM such as Actimize and Oracle and others • Identified data anomalies as they relate to AML initiatives, AML/BSA regulations, and industry best practices for AML/BSA analysis. • Conducted negative news screening (World-Check, Lexis Nexis and other searching engines) and Completed reports to be submitted to the regulators based on investigation findings • Assisted other members of the Compliance Unit, data management efforts, and other company employees to maintain and implement the most effective means of meeting the company's AML and other transaction analysis and reporting requirements. • Worked effectively with multiple complex data sources and technical analytical tools/resources. • Conducted Quality Assurance on transaction reviews while ensuring compliance with the regulators. • Regularly reviewed operational processes to identity potential enhancements and to assess and mitigate risk

• Coordinate, investigate and ensure the completion of periodic, quarterly and/or annual AML/KYC reviews • Conduct Quality Assurance on transaction reviews while ensuring compliance with the regulators. • Managed the customer relationship: Interact regularly with clients to strengthen the relationship, report statistics, lead weekly and monthly meetings. • Regularly review operational processes to identity potential enhancements and to assess and mitigate risk • Constantly monitor productivity and performance of the managed services and oversee the creation and the delivery of relevant reports and metrics to measure quality and performance • Coach junior members of the team to foster their professional development and motivation. • Stay up to date of changes in regulations and best practices through independent study.

*Transaction monitoring of assigned accounts to assess potential suspicious activity on the account, such as money laundering. *Identify data anomalies as they relate to AML initiatives, AML/BSA regulations, and industry best practices for AML/BSA analysis. *Assist other members of the Compliance Unit, data management efforts, and other company employees to maintain and implement the most effective means of meeting the company's AML and other transaction analysis and reporting requirements. *Work effectively with multiple complex data sources and technical analytical tools/resources. *Work and contribute in a team-oriented and collaborative environment to improve the analytical and reporting processes. *Adhere to and comply with all applicable, federal and state laws, regulations and guidance, including those related to Anti-Money Laundering (i.e. Bank Secrecy Act, USA PATRIOT Act, etc.), as well as adhering to company policies and procedures and client requirements.

• Engaged in AML compliance reviews, sanctions screening, transaction analysis, research, investigations, drafting of DNR and STR reports, STR filling and procedural work in support of Promontory’s clients. • Met uncompromising quality requirements 100% and production expectations over 100% while working closely with others in a dynamic team environment. • Collaborated with IBM colleagues to leverage cognitive accelerators in work as a team.

Supported sales by presenting in-house compliance presentations and ad hoc advisory services. • Developed compliance documentation related to market conduct oversight and risk mitigation • Responsible for Advisor Code of Ethical Market Conduct annual review • Reviewed marketing and training communication for advisors • Investigated, reviewed evidence and developed recommendations related to market conduct and other complaints • Worked respectfully with policyholders, agents, regulators and provincial police to resolve issues, as necessary • Oversaw outsourcing of compliance obligations, distribution channel agreements, conduct due diligence and oversight functions • Lead market conduct reviewed and action planning for identified gaps under regulatory compliance management and distribution channels • Participated on industry association committees and working groups. • Took a proactive approach to continuing education on market conduct issues, regulatory change and industry updates.

Developed and implemented effective Fraud detection and prevention strategies to mitigate fraud losses while ensuring an appropriate balance between risk and customer experience at application, point of sale and within client contact points. • Developed, implemented, monitored and provided performance tracking of acquisition fraud strategies that minimize KYC and client’s fraud risk • Completed research and investigations into current industry standards, fraud trends, and limiting client losses on potentially negative accounts. • Top performer (among top 5) to support one of the nation’s leading financial and government lenders according to the FDCPA rules and regulations.