Sancha John

• Review applications for new and existing customers, ensuring compliance with KYC and tax regulations while conducting enhanced due diligence on high-risk individuals and companies.
• Carry out risk-based assessments of customers including re-rating of customers identified and provide progress reports.
• Conduct transaction monitoring, including reviewing Declaration of Source of Funds Forms, AML Casual Payments and Withdrawal Reports, AML Source of Funds Control Reports and any other transaction monitoring reports.
• Assist in providing AML-CFT-PF and FATCA-CRS training to staff and agents of Sagicor Life (Eastern Caribbean) Inc.
• Assist with providing guidance to employees regarding AML-CFT-PF and FATCA-CRS related issue and regulatory updates, appropriate to the company's operations.
• Assist in the preparation of internal reports on all suspicious or unusual transactions.
• Assist in the maintenance of relevant registers needed for the AML-CFT-PF and FATCACRS compliance function including register of Internal reports, External reports, FIU enquiries, Declaration of Source of Funds, High Risk Customers, Exempt customers, Training.
• Assist in preparing reports on terrorist financing activity.
• Assist in the preparation of monthly, quarterly and other periodic Compliance Officer reports.
• Assist with fostering a compliance culture.
• Assist with updating of AML-CET-PF and FATCA-CRS policies and procedures.
• Assist with the execution of the Automatic Exchange of Information Tax Compliance Function and with annual FATCA-CRS Reviews including notifying business units of the need to obtain self-certification forms and/or TINS from relevant clients, verifying the accuracy of annual reports prior to filing with the relevant tax authority, remaining up-to-date on local and international developments on FATCA-CRS and similar initiatives/legislation, and Filing FATCA-CRS submissions with the regulator.
• Assist with external examinations or audits and internal audits when required.
• Assist with the preparation of other AML-CFT-PF and FATCA-CRS related regulatory requirements as they arise.
• Track and file any AML-CFT-PF and FATCA-CRS or related compliance filings in the Governance Risk Compliance Software.
• Assist with the documentation of compliance related policies and procedures.
• Serve as Alternate Compliance Officer for SLECI, St Lucia and SFI.

• Assisted with the coordination and implementation of compliance monitoring systems
• Assisted with the active monitoring of all incoming and outgoing flows within the business to ensure that high risk activity is identified swiftly.
• Initiated investigations where non-compliance occurs within the organization
• Supported Internal and External Auditors by providing necessary documentation and insights
• Administered compliance training to all bank staff
• Prepared and submitted monthly reports to Compliance Manager
• Serve as liaison between the bank and the Financial Intelligence Authority
• Actioned requests from the Financial Intelligence Authority
• Filed Suspicious Activity Reports and Terrorist Properties Search reports with the Financial Intelligence Authority
• Reviewed all Unusual Activity Reports from all Business Units
• Reviewed compliance match items for action (approve/decline)
• Conducted due diligence and enhanced due diligence on customers using WorldCheck, OFAC, Bridger Insight
• Reviewed batch screening results/alerts from the account monitoring tool
• Updated sanctions list to ensure compliance with regulatory requirements and distribute to branches
• Analyzed and reviewed AML questionnaires from the Banks, NBFIs, MSBs, Supervised entities
• Administered compliance training for all bank staff to enhance understanding of regulatory requirements
• Conducted ongoing and annual review of high-risk accounts within the organization
• Conducted compliance audits and testing across the business
• Prepared proposals for exit of relationships

• Performed detailed reconciliation of automated clearing house accounts to maintain financial integrity and operational efficiency.
• Executed reconciliation of rejected automated clearing house items to ensure accurate financial records.
• Analyzed and verified electronic funds transfer accounts, identifying discrepancies and implementing corrective actions.
• Executed fund recovery initiatives to enhance financial stability and minimize losses.

• Delivered accurate processing of all outgoing checks, contributing to streamlined operations. Resolved ACH errors and managed reversals, enhancing financial accuracy.

• Executed processing of internet banking applications to ensure timely account setup.
• Executed password reset procedures to enhance user security and access.
• Assisted customers with internet banking inquiries. Resolved issues related to online banking services. Supported clients in navigating digital banking platforms.
• Executed comprehensive audits of foreign currency transactions to ensure compliance and accuracy.
• Executed foreign remittance processing to support international financial operations.
• Managed processing of outgoing standing orders to ensure timely execution.
• Facilitated processing of incoming wire transfers to ensure timely fund availability.

• Executed daily input of foreign currency rates into banking system.
• Executed daily processing of outgoing standing orders to ensure timely fulfillment.
• Executed scanning of outgoing clearing cheques through ACH system to ensure accurate processing.
• Prepared and verified balance sheet for outgoing clearings to maintain financial integrity.
• Reviewed and processed large payment ACH reports, ensuring precise general ledger entry for financial reporting.
• Managed processing of incoming return items and wire transfers.
• Executed audits of foreign currency transactions for main branch to ensure compliance and accuracy.
• Executed processing of foreign currency cheques for local and international banks.
• Analyzed discrepancies and implemented corrections to reverse inaccurate entries in the system.
• Generated detailed reports to analyze bank commissions and foreign transaction activities.

• Assisted clients in opening various types of bank accounts including savings, personal checking, corporate, and fixed deposits. Supported customers in navigating account options for savings and corporate needs. Facilitated the account opening process for personal checking and fixed deposits.
• Executed account reactivation processes to enhance customer retention.
• Executed processing of swift transfers to ensure timely fund availability.
• Facilitated issuance of foreign currency drafts to streamline international transactions.
• Facilitated processing of cheque book requisitions to ensure timely access to banking resources.
• Analyzed submitted corporate account applications, identifying key information to streamline approval processes.
• Promoted and sold bank's products and services to enhance customer portfolio.
• Addressed customer queries and resolved complaints to enhance satisfaction.

• Processed customer deposits, withdrawals, cheque encashments, loan payments, credit card payments, cash advances, and night safe deposits. Assisted customers with various account transactions, ensuring accuracy and efficiency. Facilitated cheque encashments and loan payments to support customer financial needs.
• Executed account reactivation processes to enhance customer engagement.
• Promoted and sold bank products and services to enhance customer financial solutions.
• Executed daily voucher filing processes to ensure accurate record-keeping.

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