Xinrui (Rayna) Zhao

· Communicate with clients to gather necessary financial information. Assist in preparing and submitting loan applications.

• Providing exceptional support throughout the loan process, from initial client contact to settlement, ensuring a smooth and positive journey for every client.
• Reviewing compliance documents and lender submissions prepared by Broker to ensure accuracy and adherence to standards.
• Collaborating with brokers and banks to resolve settlement issues and keep settlements on track.
• Offering administrative support to the Director as required.
• Coordinate with lenders, clients, solicitors and real estate agents throughout the loan process. Assisting with the preparation and lodgement of loan applications.
• Ensuring all documentation is collected, reviewed, and complete before submission.
• Following up with Brokers to ensure smooth application progress.
• Managing client communications, including scheduling appointments and signing loan documents.
• Providing general administrative support, including but not limited to email and diary management.

• Providing comprehensive administrative and secretarial support to senior management and Credit Risk committee
• Preparing and proofreading a variety of documents before and after the credit risk related meetings to make sure the approval of the corporate loans
• Schedule and organize Credit Risk meetings with Due diligence team and senior management
• Organizing and maintaining electronic and physical filing systems
• Providing general office support, such as ordering stationery and managing supplies
• Work closely with other departments and Branches, to support the seamless execution of initiatives.

• Act as first line of defense to review and advise business on control matters, conduct transaction monitoring and business review to ensure adherence to internal/external requirements, identify possible compliance/operational risks/breaches, prepare management report(s) and provide recommendations to mitigate relevant risks
• Assist in developing and managing a positive regulatory relationship with APRA, and keeping the regulator register up to date
• Assess product due diligence request raised by business
• Implement and review the risk control mechanisms (e.g KRIs) and risk monitoring requirements on the banking business
• Work on regulatory survey(s); conduct annual operational risk and control assessment to ensure relevant risks are identified with proper control being laid down
• Review policies & procedures, risk assessment materials submitted by various units and to analyze the compliance/operation risks in businesses products
• Perform self-assessment, gap analysis against internal and/or regulatory requirements
• Work closely with business and second line of defense to implement regulatory and internal requirements on the banking business
• Investigate operational risk incidents, recommend appropriate enhancement and monitor implementation status of action plan(s)
• Perform regular and ad hoc monitoring / self-assessment on relevant business activities and prepare management reports on compliance and operation risk related review results
• Coordinate internal / external review or audit
• Provide staff training where required

• Conduct investigations on potential suspicious transaction alerts effectively and prepare good quality disposition
• Meet the daily KPI for transaction alert analysis
• Submit Suspicious Matter Reportas (SMR) required by AUSTRAC
• Assist supervisor in carrying out further review and investigation on suspicious cases
• Retain records and update registers with regard to investigation
• Assist in developing and updating compliance risk and Know Your Customer (KYC) policies and procedures.
• Developing and maintaining AML/CTF and sanctions compliance framework
• Assist in developing and managing a positive regulatory relationship with AUSTRAC, and keeping the regulator register up to date
• Propose control effectiveness and efficiency improvement and simplifications where appropriate, and able to identify and escalate potential risks and issues to line manger
• Proactively monitor regulatory developments and financial crime trends, and conduct relevant assessments to identify gaps and implement changes to enhance AML/CTF capability
• Manage the AML/CTF and Sanctions Compliance Team effectively to ensue desired outcomes are delivered, including updating and implementing the AML/CTF Program timely, providing quality AML/CTF and sanctions advices, embedding policy requirements in AML systems to ensure adequate control in place, conducting ongoing second line compliance testing and feedback, and providing relevant AML/CTF and sanctions training to the First Line departments
• To make sure the compliance policies and Head Office requirements are implemented effectively by the First Line departments
• Prepare management information and reports relating to AML/CTF and sanctions compliance, report in the AML/CTF committee and forums, and draft meeting minutes
• Liaising with external consultants to manage AML projects, and ensure the deliverables meet the agreed engagement scopes and timeframes
• Proactively review existing AML system controls, and initiate/participate in AML system projects to develop and enhance AML system functions and processes
• Conduct ongoing compliance monitoring reviews and risk assessments.
• Assist in developing and updating compliance risk and KYC policies and procedures.
• Assist in other AML related tasks, such as system testing, training preparation, administration, etc.