Summary
Overview
Work History
Education
Skills
Recentachievement
Affiliations
Accomplishments
Certification
Languages
References
Timeline
Generic

Ramona Blaquiére

Sydney,NSW

Summary

Results-driven Senior Regulatory and Operational Risk and Compliance Executive with 20+ years of experience in Banking and Financial Services. Specializing in Regulatory Risk Governance, Compliance, and gap analysis to design and implement frameworks, policies, and procedures. Skilled in AML/CTF/CFT programs, Financial License applications, Remedial Action Plans, and project initiatives across APAC jurisdictions. Expertise in Credit, Investment and Funds Management, Superannuation, Life Insurance, General Insurance, Mortgage Broking, Financial Planning, Foreign Exchange, Payments, CFDs, and ETDs Platforms.

My next opportunity

Seeking a leadership role to contribute to the success and sustainable commerciality of an innovative company that is dynamic, fast-paced, with a passion for driving growth. Committed to fostering a culture that values ethical decision-making, strategic risk-taking, and diversity of thought.

Overview

25
25
years of professional experience
1
1
Certification

Work History

Senior Manager Retail BCO – Operations & Planning

ING Retail Bank
01.2022 - Current
  • Strategic review, design and delivery of ORMF against the Business Plan, including and not limited to project RCSAs; EWRA; PARPS; Compliance and AML Assessments; RCSA of Risks relative to Group
  • Creation, delivery, implementation and embedding of new or enhanced associated policies and based on new regulation (e.g., DDO; KYC; Open banking etc.)
  • Event and Issue Management driving risk reduction through education; streamlined and smarter assessment criteria and an enhanced control environment in compliance with the RAS
  • Design and delivery of associated Risk Based Workshops to LT informing Risk Rating
  • Introduction of and defining of working groups as a new initiative driving a consultative and collaborative approach to Risk Management and key stakeholder engagement
  • Re-conditioning and re-purposing the design and delivery of the associated KCT including the offshoring of testing and monitoring and assurance and deliverables
  • Successful Stakeholder and Regulator engagement - key deliverables and to influence outcomes
  • Retail BCO Lead on various key commitments, e.g
  • Optus Breach Regulatory Response; DVS Audit; BCCC Complaints response etc
  • RiC advisory on various new initiatives and enhancements to those existing from concept to post implementation
  • Improved reporting capability and cadence.

Senior Manager- Risk Advisory and Controls Delivery

CBA Every Business Banking (Commercial Deposits)
06.2021 - Current
  • Strategic review, design and delivery of ORMF against the Business Plan, including and not limited to iRCSAs; RCSA of Risks relative to Group
  • Creation, delivery, implementation and embedding of new or enhanced associated policies and based on new regulation (e.g
  • PDDO and the CBA RAP (Privacy EU)
  • Incident and Issue Management driving risk reduction through education and an enhanced control environment
  • Design and delivery of associated Risk Based Workshops to LT informing Risk Rating
  • Introduction of Risk Round Tables as a new initiative driving a consultative and collaborative approach to Risk Management and key stakeholder engagement
  • Strategic analysis, design and introduction of “Risk Roundtables”
  • Design and delivery of associated CAP testing and monitoring and assurance
  • Successful Stakeholder and Regulator engagement to influence key deliverables and outcomes
  • Privacy; Data EU lead execution
  • RiC advisory on various new initiatives.

Senior Manager - Risk

CBA (CBOSC)
06.2020 - 06.2021
  • Strategic review and delivery of RMF against the Business Plan, including and not limited to Risk Register, RAS and related artifacts
  • Creation, delivery, implementation and embedding of new or enhanced associated policies and based on new regulation (e.g
  • SP 515; 516 FAR) and the CBA RAP (Privacy EU)
  • Design and delivery of associated policies and procedures and enduring alignment with new technology solutions through BRD and CRM integration
  • Design and delivery of associated Risk Based Workshops to Board, NFRC, GC and R&AC
  • Strategic analysis and design of streamlined value based F&RM reporting to the Board, NFRC, R&AC and GC
  • Design and delivery of associated CAP testing and monitoring and assurance
  • Successful Stakeholder and Regulator engagement - key deliverables and to influence outcomes
  • Privacy EU lead execution
  • RiC execution manager on Digital Netbank and Administrator transition and integration of new provider.

Risk & Compliance Policy Advisor

Aussie Home Loans (AHL)
02.2020 - 05.2020
  • Strategic review and conduction of gap analysis against CBA Group Standards, Policies and Procedures based on the RBC and APRA 35 directives
  • Creation, delivery, implementation and embedding of new or enhanced associated policies and based on the CBA RAP
  • Design and delivery of associated policies and procedures and enduring alignment with new technology solutions through BRD and CRM integration
  • Design and delivery of associated training, learning and development
  • Design and delivery of associated CAP testing and monitoring and assurance.

Head of Compliance

Navigate Global Payments
07.2019 - 10.2019
  • Strategic creation, delivery and implementation of new AML & CTF program and associated policies and having remediated external audit findings in order to facilitate correspondent banking partnership
  • Design and delivery of new Compliance and Risk framework, program and associated policies and procedures working with new technology solutions, including and not limited to customer on-boarding and CRM integration
  • External jurisdiction license applications
  • Data Incident & Notification Response Plan
  • Creation and Management of Compliance Portal.

Regulatory Compliance Consultant Advisory and Assurance

Zurich
03.2019 - 07.2019
  • Regulatory Compliance Lead and Zurich Working Group representative on the National Code Committee through the ICA for ASIC RG 165, Anti-Discrimination, GICOP amendments and CGC Enforceability
  • Successful delivery of CPS 234 (APRA - Information Security)
  • Regulatory Compliance Lead for responsible for the design and delivery of Modern Slavery and Data Commitment
  • Responsibility for determination and notification and management of all Significant breaches to all regulatory bodies
  • Management of AML/CTF oversight and advice to AML/CTF officer
  • Compliance relationship manager for all Zurich GI subsidiary TPs (Cover More and Blue Zebra)
  • Code Compliance Review
  • Design and Delivery of Incidents and Breaches Program
  • Management of Compliance Portal.

Compliance Specialist

CBA
02.2019 - 03.2019
  • Project-Bank and Financial Planning demerger - Licensee and Professional Standards Policy harmonization - Bank FP and Aligned Dealer Group.

Head of Compliance (Interim)

KVB Kunlun
10.2018 - 11.2018
  • A& NZ AML/ CTF/CFT Compliance program - review, design, delivery and implementation including and not limited to documentation, policy, procedure and framework
  • Design and delivery of Remedial Action Plan for NZ relative to significant systemic FMA breaches - related to Code, NZFSL and DIA obligations
  • Delivery of new draft Risk and Compliance program - KYC - client suitability and client acceptance.

Regulatory Compliance Manager (Advisory)

ING Bank (AU)
11.2017 - 10.2018
  • National Payments Platform Compliance Design and Implementation
  • PCI DSS Compliance
  • Code Review Compliance
  • Initial Advisory on all products across the bank
  • New product compliance from inception, design, PDS, through to delivery, launch and implementation
  • 8 Remediation projects - including and not limited to RCA and RAP
  • Potential New Business acquisition due diligence
  • Advisory on incidents and breaches for significance and regulatory reporting purposes
  • Drafting of the bank's first ever Responsible Lending Policy
  • Drafting of the bank's first ever Remediation Policy and Guidelines.

Regulatory Compliance Consultant (Advisory)

Police Bank
09.2017 - 11.2017
  • Design, delivery and implementation of best practice - AML/CTF program
  • Definition and embedding of 3 lines of defense risk model relative to SMR and TTR monitoring and reporting
  • Design and Delivery Call Monitoring and Assurance program
  • PCI DSS Compliance
  • Code Review Compliance.

Senior Analyst (Advisory)

Deloitte
06.2017 - 08.2017
  • Contract: Big 4 Bank remediation project

Regulatory Compliance Manager (APAC)

Associated Foreign Exchange Pty
02.2017 - 05.2017
  • MAS Licensing and business setup including and not limited to appointment of Directors and associated Risk, Governance and Compliance requirements in Singapore
  • FMA Licensing and business setup including and not limited to appointment of Directors and associated Risk, Governance and Compliance requirements in NZ
  • Design and implementation of a robust compliance framework and program for monitoring, assessment and reporting purposes
  • Successful remediation and satisfaction of Bank of Indonesia audit requirements
  • Remediation of HK license requirement issue through successful appointment of HK representative
  • Review and re-design and implementation of AML/CTF/CFT and Privacy programs for A & NZ
  • Design and implementation of AML/CTF/CFT and Privacy programs for Singapore
  • New product compliance from inception, design, PDS, through to delivery, launch and implementation.

Risk & Compliance Manager (AU & NZ)

Chubb (Combined Insurance)
09.2015 - 02.2017
  • Creation and implementation of new Risk and Compliance Framework, program in accordance with the AS3206 and associated policies and procedure
  • Creation of a quality assurance and monitoring program in accordance with the three lines of defense model
  • Creation, implementation and execution of the Remedial Action Plan for the run-off business as a result of the Regulatory Action and Enforceable Undertaking having satisfied the Independent expert and the regulator
  • Design, delivery and implementation of best practice - AML/CTF program
  • Definition and embedding of 3 lines of defense risk model relative to SMR and TTR monitoring and reporting
  • Design and Delivery Call Monitoring and Assurance program
  • Industry Code Review.

Compliance Consultant (Regulatory)

National Financial Advisors
09.2015 - 07.2016
  • Design, delivery and implementation of best practice - AML/CTF program
  • Definition and embedding of 3 lines of defense risk model relative to SMR and TTR monitoring and reporting
  • Design and Delivery Call Monitoring and Assurance program
  • PCI DSS Compliance
  • Code Review Compliance.

Compliance Manager (Regulatory)

National Financial Advisors
07.2015 - 09.2015
  • Application and receipt of Australian Financial Services and Credit License
  • Design and Implementation of Risk & Compliance Framework and program and related policies and procedures including creation of Compliance & Professional Standards Manual
  • Creation of disclosure documents & compliance checklists
  • New advice procedure design from inception through to delivery, launch and implementation.

Compliance Manager (Regulatory)

National Financial Advisors
07.2015 - 09.2015
  • Application and receipt of Australian Financial Services and Credit License
  • Design and Implementation of Risk & Compliance Framework and program and related policies and procedures including creation of Compliance & Professional Standards Manual
  • Creation of disclosure documents & compliance checklists
  • New advice procedure design from inception through to delivery, launch and implementation.

Compliance Manager (Regulatory)

Cambridge FX
01.2015 - 05.2015
  • Design and implementation of the Australian Risk and Compliance Framework and Program and all related Compliance and Risk Policies and functions, Business Policies, Best Practice and Professional Standards in relation to the Australian Financial Services License for the APAC
  • The firm did not have a dedicated Compliance function or related personnel based regionally prior to my engagement
  • Design and implementation of the Australian AML/CTF Part A and B program and related policies and procedure as directed by the co-respondent Banking Partners
  • Remediation of significant AFSL Breaches
  • Successful resolution to external audit findings
  • Development and maintenance of the Company's Consumer Finance Policies and Procedures documents
  • Preparation of new derivatives PDS
  • FMA Licensing and business setup including and not limited to appointment of Directors and associated Risk, Governance and Compliance requirements in NZ.

Risk & Compliance Contractor

Macquarie Equities; Wealthsure Pty Ltd; Accompli; BCCU;
09.2013 - 12.2014

Risk & Compliance Consultant

Australian Loan Co.
02.2012 - 12.2012
  • Pioneered, designed and implemented 2 Compliance and Risk Frameworks, Programs related policies, Professional Standards, advice documentation for Australian Credit License (ACL) for both PIS and ALCo and white-labeled for use by external Licensees
  • Creation of new Audit Process and design of new web-based Audit Review Tool
  • Obtained AFSL
  • Delivery of successful breach remediation program.

Regulatory Compliance Manager (AU)

ING & Retire Invest
09.2007 - 02.2010
  • Design and implementation of an online audit program (Financial Planning) to identify, develop and communicate legal, compliance, technical and advice process requirements
  • Design and delivery of regional based training compliance workshop presentations, nationally, with participants of 3-80 in attendance
  • Design and implementation of Part A AML/CTF legislation incorporating licensee obligations, risk interpretation, relevant application of the legislation, required documentation and breach reporting
  • Design and release of Short Form Advice Documentation.

Risk & Compliance Consultant

Banking and Financial Services and Construction
09.1999 - 12.2007
  • Colonial First State, White Robinson, Link Market Services, CBA- Colonial First State, AMP Capital, NavraInvest Pty Ltd, NavraFinancial Planning, Northside Financial Solutions Pty Ltd, MLC (360), Master Builders Association NSW, Cartwright Financial Services Pty Ltd & G I, ICT/SALMAT

Financial Planning Advisor Services

ING Life Ltd
10.2000 - 10.2002
  • Conducted periodic assessments of client portfolios to ensure consistency with established objectives.
  • Evaluated the suitability of new investment options for clients based on comprehensive due diligence.
  • Generated in-depth reports analyzing portfolio performance and potential risks.
  • Assisted in the preparation of financial plans for clients.
  • Developed asset allocation models tailored to individual risk tolerances.
  • Monitored market trends and investment news
  • Analyzed diverse investment options, insurance policies, and tax regulations.
  • Contributed to the execution of complex investment strategies, supporting Financial Planners.
  • Analyzed financial data for identification of potential risks and opportunities.
  • Ensured adherence to state and federal rules, laws, and corporate guidelines.
  • Acquired and consolidated financial data, creating reports and presentations for periodic leadership assessments.
  • Simplified complex financial terminology and concepts to support client comprehension and informed decision-making.
  • Established client confidence through effective communication during wealth management strategizing.
  • Finalized proformas for new business opportunities.
  • Established trust and confidence with clients, vendors, and other professionals through the demonstration of professional expertise and resourcefulness.

Education

BA (Hons) - <ul><li>English</li><li>Economics</li><li>Political Science</li></ul>

St Xavier’s College (Calcutta University)
05.1992

Skills

  • New Product Design and Delivery/DDO
  • Design & Implementation of Risk, Compliance and Governance Frameworks and Programs
  • AML/CTF Program Design and Implementation
  • Remediation Resolution Scheme Design and Implementation
  • Dispute Resolution Scheme Design and Implementation
  • Financial Services Licensing APAC
  • New Business Acquisition Due Diligence
  • Regulatory Best Practice Project Management
  • National Payments Platform Compliance
  • Governance Risk and Compliance - Privacy Act Compliance, Compliance Portal Management, Industry Code Review, Policy and Process development, Security Awareness Training, Incident Management, BCP and DRP
  • People leadership through mentoring and empowerment and example
  • Business continuity planning
  • Internal Controls
  • Needs Assessment
  • Managing Operations and Efficiency
  • Cross-Functional Collaboration
  • Risk mitigation strategies

Recentachievement

Lions Award for invaluable individual contribution as part of the Retail Banking Team of the year 22 (KYC project related)

Affiliations

  • Music
  • Golf
  • Reading
  • Charitable causes
  • ESG

Accomplishments

  • ING Bank Lion Award for Individual Contribution to KYC Project
  • C0 - chair of the ING Australian Chapter for Diversity, Inclusivity & Belonging

Certification

  • RG 146
  • Risk Management
  • Responsible Manager

Languages

English
Native/ Bilingual
German
Limited
Hindi
Limited

References

References available upon request.

Timeline

Senior Manager Retail BCO – Operations & Planning

ING Retail Bank
01.2022 - Current

Senior Manager- Risk Advisory and Controls Delivery

CBA Every Business Banking (Commercial Deposits)
06.2021 - Current

Senior Manager - Risk

CBA (CBOSC)
06.2020 - 06.2021

Risk & Compliance Policy Advisor

Aussie Home Loans (AHL)
02.2020 - 05.2020

Head of Compliance

Navigate Global Payments
07.2019 - 10.2019

Regulatory Compliance Consultant Advisory and Assurance

Zurich
03.2019 - 07.2019

Compliance Specialist

CBA
02.2019 - 03.2019

Head of Compliance (Interim)

KVB Kunlun
10.2018 - 11.2018

Regulatory Compliance Manager (Advisory)

ING Bank (AU)
11.2017 - 10.2018

Regulatory Compliance Consultant (Advisory)

Police Bank
09.2017 - 11.2017

Senior Analyst (Advisory)

Deloitte
06.2017 - 08.2017

Regulatory Compliance Manager (APAC)

Associated Foreign Exchange Pty
02.2017 - 05.2017

Risk & Compliance Manager (AU & NZ)

Chubb (Combined Insurance)
09.2015 - 02.2017

Compliance Consultant (Regulatory)

National Financial Advisors
09.2015 - 07.2016

Compliance Manager (Regulatory)

National Financial Advisors
07.2015 - 09.2015

Compliance Manager (Regulatory)

National Financial Advisors
07.2015 - 09.2015

Compliance Manager (Regulatory)

Cambridge FX
01.2015 - 05.2015

Risk & Compliance Contractor

Macquarie Equities; Wealthsure Pty Ltd; Accompli; BCCU;
09.2013 - 12.2014

Risk & Compliance Consultant

Australian Loan Co.
02.2012 - 12.2012

Regulatory Compliance Manager (AU)

ING & Retire Invest
09.2007 - 02.2010

Financial Planning Advisor Services

ING Life Ltd
10.2000 - 10.2002

Risk & Compliance Consultant

Banking and Financial Services and Construction
09.1999 - 12.2007

BA (Hons) - <ul><li>English</li><li>Economics</li><li>Political Science</li></ul>

St Xavier’s College (Calcutta University)

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