1. 1 RobertBax,CurriculumVitae. September2016.
Robert Bax
baxjnrobert@yahoo.com
07754517588
Berkhamsted, Hertfordshire.
PERSONAL PROFILE
A highly motivated, goal-orientated, diligent and analytical finance professional with 7 years of
experience workinginanti-moneylaundering(AML). Provenskillsinunderstandingthe transactional
activities of small, mid and large corporates, international and offshore banks, retail and high net
wealth customers. Enjoys working in productive team setting; demonstrates loyalty, discretion, a
strong work ethic and excellent role model qualities. Commended for high quality of work with
consistent100% positive feedbackfrommanagementfordecisionmakingandhittingtargets. Noted
for enthusiasm, resourcefulness and ability to achieve results as part of a team or working solo.
Performs well under pressure with deadlines and targets.
Currently seekingnewchallenge as Finance Crime Analyst or AML Payments Analyst to fullyutilise
decision making skills and industry knowledge.
Key competencies
 May 2014, International Compliance AssociationAdvancedCertificate inAnti-MoneyLaundering.
 In-depth knowledge of finance industry.
 Proficient in using Avaloq banking suite, Oracle Mantras (AML compliance suite), Actimize
Monitor 5.5 (RBS Group transaction monitoring programme), World Check (Thomson risk
managementsolutionssuite) and FortentSAFEAdvanced Solutions (visual intelligence platform
– screening customer databases).
 Expert in MS Word, MS Excel, MS Powerpoint, MS Outlook, Windows.
 Outstanding interpersonal and communications skills.
 Strong analytical and technical skills, time management and prioritisation.
CAREER
Finance Crime Analyst.
Royal Bank of Scotland Nominated Office (based at NatWest House, Borehamwood).
May 2014 – September 2016 (seeking new role due to redundancy)
Operating in a target-driven team environment this role involves seeking to protect profits for RBS
through ensuring legal compliance of transactions. Range of duties and expertise include:
 Investigatingcommercialbankingproductswithparticularemphasisonareasdeemedtobe high
risk. Requiresfamiliaritywithproductssuchasinternationalpayment,trade finance andinvoice
finance (for NatWest, RBS and banks that use RBS Group as intermediary bank).
 Identifying and escalating emerging trends and adherence to internal service level agreements
(SLAs).
 Understanding the reasons why alerts have been generated and the nature of the underlying
transactions which have contributed to the raising of the red flags.
 Workingcloselywithfinancial crime groupcolleagues,M&IB,legal and compliance department,
NCA and Police Scotland.
 Undertakingrobustinvestigationsusingall available resourcesof information (internal systems,
open sources and engagement with other banks/law enforcement agencies as appropriate).
 Responding to enquiries from front office operations, administration and other departments
withinthe bankinconnectiontonew transactions,negative newsandotherAMLrelatedmatters.

2. 2 RobertBax,CurriculumVitae. September2016.
 Timely and effective management of transaction monitoring alerts and manual suspicions to
ensure potential suspicious activity is identified and resulting SARs are reported to NCA, SOCA
and otherlawenforcementagenciesbothinthe UKandIreland. Particularexpertiseinaccounts
for RBS Group Wealth brands – Coutts and Adams and Co.
 Proactive identificationanddeliveryof continuousimprovementandprocessalignmentactivities
designed to improve the efficiency and risk profile of the team.
Key achievements
 Rated100% infeedbackfrommanagementforbothaccurate decisionmakingandhittingtargets
for number of accounts successfully reviewed.
 Consistently good assessments from Risk Officer as to quality of work.
AML Payments Analyst – Payments Filtering Unit.
Royal Bank of Scotland, Devonshire Square, London.
September 2009 – May 2014.
Recruitedas an investigatortocollate informationforthe team, wasrapidlypromotedtosupervisory
role. Subsequently seconded to AML Corporate Risk (see below) undertaking a senior position at a
time of increased security needs. The range of duties and experience gained included:
 Timelyandeffective managementof alertstoensure potential suspiciousactivitywasidentified
whilst mindful of the daily cut-off times for payments such as EBA, Chaps, Target and Sepa.
 Appropriate assessmentof potentialwatchlistmatchesandaccessingtheAYICforthe PFUteam.
 Identifying the exposed risk and current shortfall in controls.
 Complyingwiththe documentedprocessesinthe unitwhichare designedtoidentifymatchesto
the lists of names and organisations on official watch lists published by the Bank of England,
OFAC, HMT, EU and other regulators.
 Demonstrationof sounddecisionmakingtoensure only appropriate payments were released.
 Provision of effective support and guidance to the business regarding coordination of risk
activities,liaising with key stakeholders to ensure business robustness of process/procedure.
 Developed asoundunderstandingof sanctions legislation and awareness of prevailing trends.
 Identified unusual suspicious transactions and developed a good knowledge of the different
commercial banking products, Treasury, lending and trade.
 Analysisof processesandproceduresresultedindevelopmentof betterprocessestoreduce risk
and increase awareness within the department. Consequently developed a risk aware culture
within the PFU team.
Key achievements
 Achieved 100% in feedback from management and Risk Officer for accurate decision making,
hittingtargetsfornumberof accounts successfullyreviewed eachday and high quality of work.
AML Corporate Risk Manager (Secondment).
Royal Bank of Scotland, Bishopsgate, London.
July 2011 – March 2012.
Duringtime withRBS AML PaymentsFilteringUnita secondmenttoCorporate Riskwas arranged for
6 weeksinvolvingapromotionandmanagementof sanctionedcountries’financial activities. Due to
the successof thisstimulatingrolethe time wasextendedto8months. Dutiesincluded morein-depth
investigation into alerts and working closely with Group Sanctions colleagues in London, Edinburgh
and Amsterdam; interpreting sanctions, internal lists and OFAC licences; discussing risk appetite for
high risk corporate customers and taking decisions whilst liaising with Relationship Managers and
acting as their point of contact.

3. 3 RobertBax,CurriculumVitae. September2016.
Key achievements
 Performed supervisory function taking responsibility for ensuring there was sufficient staff
deployed to look at payments in advance of daily deadlines for transfers.
 During time in office there were no sanction breaches and no policy failures.
 Successfully cleared a backlog of work within the department.
Gateways and Message Control Officer.
Royal Bank of Scotland/National Westminster Bank, London.
June 1998 – September 2009.
During the 11 years in post, the role involved various simultaneous responsibilities and a gradual
change in emphasis. The more recent listed first:
 Undertookpositionof SMARTHelpDeskOfficer(SMARTwasthe bank’sreconciliationsystemfor
Nostro accounts with overseas banks). As part of a small team providing 24 hour cover gave
support to approximately 700 users of SMART based in the UK, Singapore and India.
 Part of team involved in the introduction and implementation of HotScan.
 Responsible for loading the OFAC list into HotScan.
 Monitored outgoing messages (including Financial Markets Department) and made decisions
about which could be released or needed to be referred. Built up False Positive list for sign off
by Financial Markets and Risk Departments.
 Sole responsibility for monitoring messages on Text Check.
 LAN Administrator for approximately 150 users based on 2 floors of the building.
Key achievements
 Success and consistency of performance here led to the promotion to AML role.
Reconciliation Officer. Nostro Account Management.
National Westminster Bank, London.
1987 – 1997.
Recruitedtoperformdutiesinlasttwobullet pointsbelow,subsequentlymovedtoworkwithNostro
accounts.
 Workingina large teamreconciledNostroAccounts(NatWestaccountsheldwithbanksabroad).
Accountedforall statementandledgerentries and promptly investigated unapplied amounts.
 Collated data on account performance and made recommendations to Relationships Managers
prior to their visits abroad.
 Investigated debit and credit interest charges. Prepared cases to claim charges from other
internal units.
Accounting Officer, Accounts Department.
International Westminster Bank, London
1985 – 1987.
Keying data input.
Communicating with the dealing room to confirm foreign exchange deals prior to processing.
EDUCATION AND QUALIFICATIONS
Qualifications
 International Compliance Association Advanced Certificate in Anti-Money Laundering.
 BTEC NVQ Level 2 – Computer Networking.

4. 4 RobertBax,CurriculumVitae. September2016.
 BTEC General Diploma.
 4 O levels, 1 O/A level, RBA Arithmetic Stage 2.
Education
1983-1985 Aylesbury College.
1978-1983 Tring School.
HOBBIES, INTERESTS AND OTHER INFORMATION
Fund-raisingforalocal school andvariouscharitiesthroughinvolvementinsports(LondonMarathon,
London to Brighton bike ride). Cycling, spinning, travel, current affairs, family activities.
Full UK driving licence.
REFERENCES AVAILABLE ON REQUEST.