FCC Stanchart

Financial Crime Compliance 1
Financial Crime
Compliance
Standard Chartered Bank
Leading the way in combating financial crime.

#2 = Health $21.8 billion
#3 = IT Services $19.3 billion
$2.1 trillion
Financial crime is the most
profitable industry in the world.
It’s also the most damaging.

Financial crime is funding terrorist
activities and fueling drug epidemics
world-wide. It’s contributing to the
extinction of whole species of animals.
It’s supporting human trafficking
and proliferating weapons of mass
destruction. Financial crime in the 21st
century is unlike anything we’ve ever
seen before.
Financial crime is
pervasive in the
21st century.

The cost of failure is high.
For all of us. Countries,
companies, and individuals
alike suffer from the impact
of financial crime.

Financial criminals may see banks as a vital link in their activities.
But we won’t play that part. Instead we want to use our position
to fight financial crime. And do anything that we can to put a
stop to it. That’s why we’ve more than doubled the size of our
Financial Crime Compliance (FCC) team.
At Standard Chartered,
we refuse to let financial
crime thrive.

“To be the world’s leading
international bank, we need to
protect the communities that
we serve from the damaging
effects of financial crime.”
John Cusack, Global Head, FCC

Drug trafficking has
indirectly contributed to
a steep increase in HIV/
AIDS in South Asia.
By bringing the price of drugs down,
drug trafficking has encouraged an
increase in intravenous drug users.
More than 60% of new cases of HIV/
AIDS are being contracted through
the sharing of needles.
Counterfeit lifesaving
medications account for
10% of global supply.
The people who are producing these
drugs couldn’t care less about their
impact. And the terminally ill are the
ones being adversely effected.
Human trafficking has
turned 27 million people
into slaves around the
world.
13 million of these are children,
representing half of the victims of
human trafficking. To put that into
perspective, Mumbai, one of India’s
most populous cities is home to the
same number of people.
Drug trafficking is
creating a generation of
unskilled, unemployed
and unproductive
citizens in West Africa.
The seemingly lucrative prospects
of drug trafficking for marginalised
youth is creating a “get-rich-quick-
mentality’ that undermines education
and weakens the labour force.

Here for good defines us and acts as our compass. It helps us to make the right
decisions. It challenges us to think twice, double check and look again. We know
that we can live up to being Here for good every day as long as we do it together.
The duty that we all feel,
to do what is right, is what
makes us Here for good.

“Our vision is to lead the
way in the fight against
financial crime.”
David Howes, Deputy Head, FCC

FCC at Standard
Chartered.
We’re led by a world-class team of
people who are committed to the
cause of fighting financial crime.
We have big ambitions, that’s why
we’ve more than doubled the size
of our FCC team.
Where can you make the
biggest impact?
Assurance Anti-Bribery &
Corruption
The Madison Group
Sanctions
Compliance
Swift
Sanctions
Advisory Group
Chief of Staff &
Management Office
FCC,
Americas
FCC,
ASEAN
FCC,
MENAP
FCC,
Europe
FCC,
Africa
FCC,
South Asia
FCC,
Greater China/
NE Asia
Retail Clients
Governance,
Policy & Reporting
Metrics & MI
Reporting
PEP &
Sensitive
Clients Unit
Risk
Assessment
CDD
Controls
Surveillance
Surveillance
Centers
Delivery &
Change
Monitoring
Screening
Higher Risk
Names/List
Management
Analytics
Investigations
Quality Assurance
Financial Crime
Intelligence &
Investigations Unit
Global Head,
FCC
Commercial
Clients
Private Banking
Clients
Corporate & Institutional
Clients
Financial Institutions
& Correspondent
Banking
Trade
Deputy Head,
FCC
Wolfsberg Group/
Forum
RUSI Centre for
Financial Crime &
Security Studies
British Banking
Association
ICC AML
Working Group
The Clearing
House Assoc (NY)
Learning & Awareness
FCC Academy
ACAMS
FCC
Controls
Global Head FCC
Management Assurance
and Oversight
Controls
(Global FCC Functions)
Partners
Segments / Products
Regions
Industry Bodies
Operational Risk
Infrastructure &
Technology
Internal Audit
HR/Talent
Management

You’re not just a cog in
a wheel. You can do big
things with us.
Our vision is big, so there’s a lot to be
done. Your scope will be bigger. You
will work more collaboratively across
the different areas of the Bank. You’ll
be exposed to the most interesting
work in the world and be at the
leading edge of the industry.
What makes us different?
We believe in relationships
above all else. They are
our greatest source of
inspiration.
We share a collective purpose and we
know that together we can achieve our
goals. The connection that we have with
each other empowers us. They support
us when we are facing challenges. They
give us the confidence to push forward.
We believe FCC is more
than compliance. It’s
crucial to delivering our
brand promise.
We don’t care about FCC because
regulations force us to. We care because
we believe it’s the right thing to do. Our
brand promise is to be Here for good.
And this sits at the core of everything we
do at FCC.
We have an exciting
vision for FCC. And
the support to make
it happen.
We aim to lead the way in FCC across
the world. We aim to do more than
just comply with regulations. We
have some of the best leaders in the
industry and we know exactly how to
realise our vision. Now all we need is
you.

The future of FCC is up to us. We know we want
to lead the way. This means that we need to be
comfortable spending time in the unknown so that
we can build foundations that will truly set us apart.
We are moving at pace but to become a leader we
need to be patient. This means we need people
who are ready to apply themselves for the long
term. Those who do will enjoy the greatest benefits.
If impact is your ultimate goal then there never was
a better time to join us. The work that you do will
influence the direction that we take to lead the way
in FCC.
We need people who can
navigate uncharted territory.
Financial crime is growing and evolving every
day, and we’re building strong foundations
to counteract it. Right now, we’re entering
the new world of FCC. It’s up to us to build
our foundations for success and navigate
complexity. That’s why we’re looking for
people who:
Are determined to make an impact:
Are interested in the long term:
Are comfortable with the unknowns:

We have the vision.
To be the very best.
We are committed.
Now all we need is you.

Susanna Ho, Team Lead FCIO,
Hong Kong
Worked for an investigation
unit in the Hong Kong
Government
Joined Standard Chartered in 2013
as a Senior Analyst in Financial
Crime Intelligence Operations (FCIO)
Became Team Lead in FCIO
I’ve been in this field for almost 12 years. It’s demanding,
challenging and intense but I love the work I do. Fact-
finding and investigation are two of my passions. It’s always
interesting to dig deeper into a suspicion case. Things are
not always what they seem on the surface and I get a real
sense of satisfaction in discovering the full picture.
Since joining I have always been in Financial Crime
Investigation Operations. Everyday I’m reviewing and
investigating suspicious transactions. During the last 18
months my career has progressed to leading a team. When
I first joined I was compiling reports and looking at 3-4 cases
per day. Now I’m responsible for reviewing 40+ cases each
day. There’s a lot of opportunity to grow and develop.
“Financial Crime Compliance is a challenging environment
where I can learn and grow my career”
Investigating a day in the life of...
Family is important to me and working at Standard
Chartered allows me to do what I am passionate about as
well as making time outside of work to spend with my loved
ones. You don’t need a background in banking to succeed
here. If you’re eager to learn, meticulous and have the
mind of a detective then a job in Financial Crime Compliance
could be a good career for you.

“Financial Crime Compliance at Standard Chartered is creating
new standards for the industry ”
Rob Coombes - Head of FCC,
Corporate and Institutional
Clients, Singapore
Started career in credit cards,
leading to fraud investigation
Worked in Treasury and
Capital Markets Compliance
Joined Standard Chartered
Bank in the European
Compliance Team in London
Moved to Shanghai as
Head of Compliance,
China and Japan
Became the Head of FCC,
Corporate and Institutional
Clients in Singapore
Head of Transaction
Banking Compliance
in Singapore
The work that I do in FCC directly prevents human trafficking
and many of the victims in this crime are children. Children
as young as mine. That’s one of the reasons why I get up
each day and do what I do. We have a part to play. To play
in detecting, reporting, fighting and stopping Financial Crime.
It’s a social and personal reason that drives me every day.
FCC is a space that’s constantly moving, no two days are
the same. As technology keeps breaking boundaries we
have the ability to be more sophisticated in pulling together
different data points and analytics to see the bigger picture.
At Standard Chartered we are leading the way in FCC, not
following. We are creating new standards for the industry
using our brand promise, Here for good, as our compass.
We constantly ask ourselves, ‘should we’ not ‘can we’.
Our work is heavily focused on our clients. We monitor the
types of transactions that are taking place, the currencies
they are dealing with and the materials they are trading.
Decisions are then made on whether we exit these clients,
retain them or set conditions. It’s a tough job and a lot of
the work we do is based on subjective judgement. It’s never
black and white. And that’s what keeps me excited.

Mary Runana - Head of FCC,
Kenya
Worked as an
external auditor in Kenya
Spent 3 years
working in the Bermuda
Monetary Authority
Started working
in Forensics
as the Head of FCC Kenya
Working in Financial Crime Compliance at Standard
Chartered has allowed me to pursue my passion. The
infrastructure is in place to set us up for success and I have
the support and resources around me to do quality work.
It’s not a one-man show; we have the best people driving
the agenda in country, regionally and at a global level.
We are engaging regulators and policy makers. We are
influencing the industry. We are aspiring market leaders.
Financial Crime Compliance is an exciting industry. My
day can change instantly depending on world events so I
have to be on point every minute of every day. My eye for
detail helps me stay on top of things and the belief I have in
fighting financial crime keeps me going. I know I’m making
a difference and that’s why I love this job.
Passion drives me every day. Passion to protect my country,
my children and the economy. My journey in Financial
Crime Compliance has been a personal one. Earlier in my
career I was exposed to what could go wrong in financial
markets and I saw how financial crime had an impact not
just on financial institutions but society at large. Bribery and
corruption locks people out of opportunities. We need to
deal with this now. Before it’s too late.
“Working to fight financial crime allows me to create
a better today and a better tomorrow.”

Started working in a
retail branch in 2003
Became a Branch
Operations Manager
in 2009 in the Policy and
Process Improvement team
Became part of the
Customer Due Diligence
(CDD) Advisory team in 2013
Currently a Team Leader
as a Senior CDD Advisor
for South Asia
“There’s no place for complacency in this industry.
Change is the only constant.”
Arun Gopinath - Team Lead,
Senior CDD Advisor,
South Asia
Everyday we run checks on new and existing clients. We
have systems in place that call out clients we need to review.
We scrutinise, do our due diligence, run searches
and analyse every document we have. We consider
the client as a whole including aspects such as political
involvement and media exposure. We ask ourselves not
just “Are we compliant with local regulations and Group
standards?” But whether everything makes sense and adds
up, if it doesn’t we look again and reconsider. We are the
Gatekeepers. We safeguard the Bank.
Financial Crime Compliance is rapidly becoming a priority for
every bank. I’ve witnessed the business become more aware
of the impact of what we do. We have a big responsibility and
are accountable not just for what we do as a Bank but for the
clients we represent. We aim to lead the way.
My advice to anyone considering a career in Financial
Crime Compliance at Standard Chartered is to grab the
opportunities that are available. This is a place to learn and
grow. In my six years at the Bank I have learnt that this is
an organisation that doesn’t restrict you to your field of
specialisation. My role has expanded across departments
and geographies. It’s an exciting place to be.

Marlyen Habib - Senior Investigations Manager,
Special Projects and Investigations Group,
Newark
Graduated law school
in 2005
Joined the prosecutors
office in New Jersey
Worked in Compliance
at Morgan Stanley
Bank as a Senior Investigations
Manager in the US, currently on
assignment in the UAE
Joining FCC meant that I was able to continue working with
regulators and lawmakers to protect the community. Some
people see Compliance as a blocker. I see it as helping
the business to grow and develop in the right way, while
protecting our business and the public.
My passion is to stop people from using banks to conduct
illegitimate activity. I do this through investigating and
examining clients. I have a curious mind. I ask questions. I
probe. I search and connect the dots. There’s more beneath
the surface and the feeling of uncovering something
suspicious is incredibly rewarding.
Standard Chartered is a unique place to work. The
dedication of the employees is clear to see, they genuinely
care and believe in what the Bank stands for. We
deliberately go in to communities where people don’t have
access to financial services and help provide opportunities
for them. It’s exciting to be a part of that.
I’ve dedicated my career to serving the public and protecting
the community. Beginning my journey in the prosecutor’s
office was an eye opening experience. Working on numerous
criminal cases exposed me to the impact crime has on both
individuals and society. This is what drives me everyday.
“Money drives criminals. They see banks as a vital
link to what they do. And my job is to cut them off.”

We are fighting
against financial crime.
Fight with us.
Click here to visit sc.com/careers
Click here to visit our LinkedIn page
Click here to leave your details

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