Summary
Overview
Work History
Education
Skills
Certification
Languages
Timeline
Generic

Rob Ledesma

Brisbane

Summary

Experienced banking professional with over 10 years in AML compliance, 3 years in lending, and 9 years in relationship building. Developed leadership skills over 9 years, with 5 years of experience in mentoring and training.

Overview

16
16
years of professional experience
1
1
Certification

Work History

Senior Quality Assurance FCC (IB&M)

Commonwealth Bank
05.2022 - Current
  • Provide expert guidance on AML-related matters during internal audits, demonstrating strong knowledge of applicable laws and regulations.
  • Established a culture of compliance by fostering open communication lines between employees and management on AML-related concerns or questions.
  • Support ongoing efforts towards continuous improvement in the company''s approach to managing financial crime risks associated with its operations.
  • Conduct AML risk assessments audits to identify potential vulnerabilities and areas for improvement.
  • Assess effectiveness of current controls, recommending enhancements to strengthen overall compliance framework.
  • Develop effective case management systems for tracking investigations and resolution of identified issues related to AML compliance.
  • Deliver targeted AML compliance training sessions, increasing employee awareness and understanding of key requirements.
  • Documented research findings to support risk-based decision-making and resolution to escalated fraud incidents.
  • Perform gap analyses on existing AML frameworks, recommending changes to align with best practices and regulatory requirements.
  • Mentor junior team members, fostering a collaborative learning environment and contributing to their professional growth.

Senior Financial Crimes Analyst (IB&M)

Commonwealth Bank Australia
09.2018 - 05.2022
  • Liaise with business stakeholders from the Institutional banking & Markets segment around the globe (UK, Malta, USA, Singapore, Hong Kong, Japan, China, Australia and NZ), and make sure all our clientele profiles remain updated and compliant.
  • Perform KYC refresh for entities according with their global booking location to meet KYC/AML frameworks.
  • Provide advisory support to relevant business units within the bank regarding CDD/ EDD to meet regulators’ standards (AUSTRAC, FinCEN, FCA, MAS, HKMA, AML MAC, JaFIC).
  • Completion of screening on focus entities and all related parties.
  • Reporting and Escalation to risk management team of any financial crime issues such as Money Laundering, Terrorism Financing, or Bribery and Corruption.
  • Make informed suggestions to the risk management team about why to increase or decrease the risk level to a specific client, according to a specific situation.
  • Provide updated information to stakeholders such as relationship bankers and associates about changes in requirements to meet compliance from regulators.
  • Work close with the optimization teams by making suggestions that enhance the Due Diligence processes, which will result in a better customer experience.
  • Ensure all compliance remediation processes comply with all relevant bank rules, regulations and any other legal requirements by ensuring adequate internal controls are in place.
  • Keep up to date with the changes in regulations, specially part A & B of the AML/CTF program established by AUSTRAC.
  • Make sure to solve all the queries from the team when it comes to clients with USA nexus (as per current remediation strategy).
  • Work on developing continuous improvement ideas as per expected by the business.

Senior Personal Banker / Associate – ANZ Head Office Brisbane

ANZ Banking Group
07.2015 - 08.2018
  • Onboarding of clients/entities according with Australian KYC/AML frameworks.
  • Provided advisory support to relevant business units within the bank regarding CDD/ EDD.
  • Developed and deliver in-house training to promote awareness of key compliance issues as required by ASIC in entities such as Partnerships, Companies, Trusts, SMSF.
  • Streamlineded loan application processes, resulting in quicker approvals and increased customer satisfaction.
  • Liaised with business partners (Private, Corporate and Institutional banking) to make sure all our clients' records remain updated and compliant.
  • Negotiated terms for loans, mortgages, lines of credit, or other liquidity options to better suit clients' financial needs.
  • Developed tailored financial strategies to help the clients to reach their personal/business goals.
  • Collection of data to better understand customers’ financial needs and goals, always aiming to overcome their expectations of the business brand.
  • Follow up with clients and make sure to deliver outcomes within the set time frames, overcoming obstacles where necessary.
  • Improved operational efficiency by reviewing workflows, identifying areas for improvement, and implementing necessary changes.
  • Pro-actively looking to bring new businesses to the bank while maintaining high service standards for the existing clients.
  • Prepared and escalated STRs as soon as required to diminish operational risk.
  • Pro-actively utilize all the technology available to deliver exceptional customer experience in the financial markets platforms.
  • Strengthened client relationships through timely follow-ups and attentive service.
  • Maintained in-depth product and service knowledge for well-informed customer advice.
  • Assisted customers with banking needs and inquiries.

Personal Banker/ Main Service Consultant

ANZ Banking Group
01.2015 - 07.2015
  • Served walking-in customers and make myself available as first point of contact for banking needs.
  • Made sure the branch’s cash flow was within the limit requested by CBOS team.
  • Completed daily and weekly balance of the Safe and ATM.
  • Processed of domestic and International transactions, including cheques, drafts and foreign currency.
  • Prepared cheques for corporate banking settlements.
  • Completed telegraphic transfers on request from relationship managers.
  • Developed financial strategies to help the clients to reach their financial goals, and partnered with stakeholders such as the financial planner to provide advice on protection/investment strategies.
  • Collection of data to understand customers’ financial needs and goals aiming to overcome their expectations of the business.
  • Follow up with clients and make sure to deliver outcomes within the set timeframes, overcoming obstacles where necessary.
  • Keep up-to-date with the bank processes and compliance to deliver high quality service.
  • Delivered professional and genuine customer service aiming to develop report with clients.
  • Proactively utilize all the technology available to deliver exceptional results and enhance clients experience.

Business Solutions Adviser | Accountant

Inspire CA
04.2013 - 10.2013
  • Corporate and individuals onboarding process.
  • Setting up new entities (Companies, Trusts, SMSF) according to ASIC’s standards.
  • Preparation and completion of the following compliance documentation for clients:
  • Capital Gains Tax
  • Fringe Benefits Tax
  • Cash Flows Budgets
  • Payroll and budgeting reporting
  • Financial Reporting preparation
  • Tax Returns (Corporate, Trusts, Individual)
  • Client consultancy for profit optimization strategy.
  • Preparation and implementation of strategic and tactical planning from start to finish
  • Business Advisory.
  • Time series analysis of 3 to 5 past years of Financial statements to identify opportunities for optimization and protection of client assets as well as reduction of taxable incomes.

Customer Advisor | Graduate

Bancolombia
01.2009 - 01.2010
  • Consistent achievement and enhancement of the business sales targets within allocated deadlines.
  • Efficient completion of tax payments processing (import & export) within principal transactions from preferential clients in the Port of Cartagena (Colombia).
  • Effective use and management of Golf Banking Software for the completion of everyday transactions such as debit, credit, loan payments, and payment of checks; whilst simultaneously applying superior product knowledge to up-sell/ cross-sell additional products to commercial clients.
  • Effective implementation of Bancolombia fraud detection methodologies, to everyday transactions.
  • All of the above maintain great customer care as main reason to succeed.

Education

Master Professional Accounting - Accounting And Finance

Central Queensland University
Brisbane, QLD
01.2013

Bachelor in Economics -

Cartagena University
Colombia
01.2009

Skills

  • AML Risk Analysis

  • Institutional Structuring

  • Audit Reporting

  • Critical thinking

  • Customer service

  • Training and Coaching

  • Flexible and adaptable

Certification

  • Institutional Banking & Markets Compliance Foundations.
  • Institutional Banking & Markets Operational Risk Management.
  • Institutional Banking & Markets – Anti-bribery & Corruption for High Risk Roles.
  • AML/CTF & ETS Role Specific Training - Customer Engagement – General.
  • Essentials - AML/CTF & Sanctions Awareness Course.
  • Onboarding processes for different client segments CDD/EDD – KYC.
  • Global Tax Information Reporting.
  • Wealth Accredited Officer.
  • Home and Investment Lending Accredited.
  • Accredited Tier 2 Australian Banking for Retail Distribution.

Languages

Spanish
Native or Bilingual

Timeline

Senior Quality Assurance FCC (IB&M)

Commonwealth Bank
05.2022 - Current

Senior Financial Crimes Analyst (IB&M)

Commonwealth Bank Australia
09.2018 - 05.2022

Senior Personal Banker / Associate – ANZ Head Office Brisbane

ANZ Banking Group
07.2015 - 08.2018

Personal Banker/ Main Service Consultant

ANZ Banking Group
01.2015 - 07.2015

Business Solutions Adviser | Accountant

Inspire CA
04.2013 - 10.2013

Customer Advisor | Graduate

Bancolombia
01.2009 - 01.2010

Master Professional Accounting - Accounting And Finance

Central Queensland University

Bachelor in Economics -

Cartagena University

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Rob Ledesma