Ruth Kirk
QC PEP Reviews at KPMG Management & Risk Consulting- Claim this Profile
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English -
Topline Score
Bio
Credentials
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RBS Foundation Certificate in Agricultural Finance
The Chartered Banker InstituteJan, 2014- Sep, 2024 -
RBS Business & Commercial Accreditation Programme 2013
The Chartered Banker InstituteDec, 2013- Sep, 2024 -
Foundations of Banking Risk
Global Association of Risk ProfessionalsMar, 2013- Sep, 2024
Experience
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KPMG Management & Risk Consulting
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Financial Services
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1 - 100 Employee
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QC PEP Reviews
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Sep 2023 - Present
Quality Control Analyst checking PEP review files to confirm if remain in role and ensure all related parties identified and captured. De classification of PEPs no longer in office or meeting PEP definition.
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QC Retail Banking Enhanced Due Diligence Financial Crime
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May 2023 - Sep 2023
Following the ramp-down of my previous project, I moved over to assist with the review of personal customers to be exited to ensure any Financial Crime risks have been identified and reported to the appropriate Authority. File reviews involve: - Checking analyst risk assessments have been documented accurately with appropriate supporting evidence - Ensuring transactional analysis has been completed and any suspicious activity identified - Identification of County Lines, Daigou, Bribery… Show more Following the ramp-down of my previous project, I moved over to assist with the review of personal customers to be exited to ensure any Financial Crime risks have been identified and reported to the appropriate Authority. File reviews involve: - Checking analyst risk assessments have been documented accurately with appropriate supporting evidence - Ensuring transactional analysis has been completed and any suspicious activity identified - Identification of County Lines, Daigou, Bribery and Corruption, Money Laundering, Illegal Lottery noted
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QC Analyst High Risk
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Aug 2019 - May 2023
I currently provide quality control checks on CDD remediation files prior to submitting to the client for quality assurance checking. I also highlight issues identified with systems and gaps in Procedures adopting a risk based approach to the work and identifying when things need escalated for risk based acceptance. File reviews are completed on business and commercial including special entity types (Trusts, Royal Charters, Churches). I provide training to new QC once they have… Show more I currently provide quality control checks on CDD remediation files prior to submitting to the client for quality assurance checking. I also highlight issues identified with systems and gaps in Procedures adopting a risk based approach to the work and identifying when things need escalated for risk based acceptance. File reviews are completed on business and commercial including special entity types (Trusts, Royal Charters, Churches). I provide training to new QC once they have completed their initial training taking them through working cases and providing support through their accreditation. My QA sample checking pass rates are Year 1 - 98.82%, Year 2 - 99.13% Year 3 - 99.25%.
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Accenture
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Ireland
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Business Consulting and Services
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700 & Above Employee
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KYC Quality Control Analyst Correspondent Banking
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Sep 2018 - Aug 2019
Conducted Quality checking of Analysts Regular File Reviews on Correspondent Banking clients. I also sat on the Process Review team and deputised for the Team Leader when required.
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KYC Analyst, Correspondent Banking
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Dec 2017 - Sep 2018
Following my time in Outreach and Triage I was transferred to Remediation where I am responsible for completing the Periodic Review on correspondent banking relationships. This includes conducting Internal and Public Due Diligence as well as screening and PEP Due Diligence using Lexis Nexis, PCR/Fircosoft and RDC. I am also responsible for discounting hits and highlighting to the business where appropriate. I have demonstrated high productivity and good quality resulting in… Show more Following my time in Outreach and Triage I was transferred to Remediation where I am responsible for completing the Periodic Review on correspondent banking relationships. This includes conducting Internal and Public Due Diligence as well as screening and PEP Due Diligence using Lexis Nexis, PCR/Fircosoft and RDC. I am also responsible for discounting hits and highlighting to the business where appropriate. I have demonstrated high productivity and good quality resulting in promotion to the next level - Quality Control checking of Analysts file reviews. I have recently been involved in creating a new process checklist to guide Analysts & provide an audit trail ensuring all Policy and Process requirements are captured in an more efficient manner. The result is a more robust, appropriate and relevant checklist with significant time savings.
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KYC Outreach Analyst
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Oct 2017 - Dec 2017
Delighted to be starting my first contract with Accenture on 16th October as part of a project responsible for the KYC Annual Review for "Instituational Cash Management" and "Trade Finance for Financial Instituations" clients including Special Purpose Vehicles at Deutsche Bank. Responsible for assessing “TFFI” and “ICM” case work and generating email outreach requests to DB clients for outstanding information in line with DB Policy. Also responsible for completing Quality Assurance… Show more Delighted to be starting my first contract with Accenture on 16th October as part of a project responsible for the KYC Annual Review for "Instituational Cash Management" and "Trade Finance for Financial Instituations" clients including Special Purpose Vehicles at Deutsche Bank. Responsible for assessing “TFFI” and “ICM” case work and generating email outreach requests to DB clients for outstanding information in line with DB Policy. Also responsible for completing Quality Assurance checks on colleagues emails prior to sending. After 4 weeks I was transferred to a newly set up Triage team responsible for assessing business (DB) and client responses/documentation to ensure adequate to satisfy KYC Policy for a population of cases that had not been progressing.
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RBS
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Russian Federation
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Business Consulting and Services
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1 - 100 Employee
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Project Analyst
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Sep 2016 - Aug 2017
This position involves investigation of potential issues that may prove to be systemic and require remediation. Work is structured on an adapted Prince2 approach to project management involving effective engagement with key stakeholders and leveraging my network to ensure a detailed understanding of the issues and how best to address them. I ensure customers have been treated consistently and have received a fair outcome by getting products that meet their needs. This requires… Show more This position involves investigation of potential issues that may prove to be systemic and require remediation. Work is structured on an adapted Prince2 approach to project management involving effective engagement with key stakeholders and leveraging my network to ensure a detailed understanding of the issues and how best to address them. I ensure customers have been treated consistently and have received a fair outcome by getting products that meet their needs. This requires understanding the needs of the customer and seeking evidence that Managers have met these needs at point of sale and in life through their annual reviews.
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Business Risk Partner
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Apr 2015 - Sep 2016
I was responsible for the governance of risk issues and product reviews through effective stakeholder management and supporting the business in risk assessments encouraging the calling out and raising of any risks identified. This required working collaboratively with a number of key stakeholders across the business and I built strong and lasting relationships in the role further expanding my network. I was also responsible for preparing board papers, minutes and agendas and managing… Show more I was responsible for the governance of risk issues and product reviews through effective stakeholder management and supporting the business in risk assessments encouraging the calling out and raising of any risks identified. This required working collaboratively with a number of key stakeholders across the business and I built strong and lasting relationships in the role further expanding my network. I was also responsible for preparing board papers, minutes and agendas and managing risk forum packs as well as providing input and oversight on Controls Testing.
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Anti Money Laundering Analyst
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Jul 2014 - Apr 2015
Following a re-structure of the business my role changed and I was moved into the area responsible for final sign off on high risk Know Your Business documentation completed by front line managers as part of the ongoing Customer Due Diligence process under the Anti-Money Laundering Regulations. In this role I identified gaps in our AML guidance to managers that were subsequently addressed and demonstrated the ability to deliver a high turnaround of files to meet challenging Service Level… Show more Following a re-structure of the business my role changed and I was moved into the area responsible for final sign off on high risk Know Your Business documentation completed by front line managers as part of the ongoing Customer Due Diligence process under the Anti-Money Laundering Regulations. In this role I identified gaps in our AML guidance to managers that were subsequently addressed and demonstrated the ability to deliver a high turnaround of files to meet challenging Service Level Agreements.
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Risk & Assurance Manager, Specialist Sectors, Scotland
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Oct 2011 - Jul 2014
I supported the Regional Director for Specialist Sectors Scotland in managing key operational & credit risks for this £1B credit portfolio. This included responsibility for unit level controls and monitoring adherence to various RBS Group Framework policies. In my first year I took team assurance scores from a 72% pass rate to 98%. I monitored data looking for trends and new emerging risks providing the necessary coaching to ensure the team delivered appropriate levels of business… Show more I supported the Regional Director for Specialist Sectors Scotland in managing key operational & credit risks for this £1B credit portfolio. This included responsibility for unit level controls and monitoring adherence to various RBS Group Framework policies. In my first year I took team assurance scores from a 72% pass rate to 98%. I monitored data looking for trends and new emerging risks providing the necessary coaching to ensure the team delivered appropriate levels of business assurance to senior management. I also developed and managed the individual actions plans supporting staff in addressing any shortcomings working with Policy to ensure processes worked for the front line.
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Credit Risk Manager
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Mar 2007 - Oct 2011
This role focused on supporting Relationship Managers with complex connections by ensuring documentation accurately reflected all conditions of the deal and that any pre-conditions were evidenced as met prior to releasing funds to the customer. There was also a Credit Stewardship audit element to the job which allowed me to develop good working relationships with the team due to my common sense and fair approach to testing by focusing on the risk as well as ensuring processes were… Show more This role focused on supporting Relationship Managers with complex connections by ensuring documentation accurately reflected all conditions of the deal and that any pre-conditions were evidenced as met prior to releasing funds to the customer. There was also a Credit Stewardship audit element to the job which allowed me to develop good working relationships with the team due to my common sense and fair approach to testing by focusing on the risk as well as ensuring processes were followed. I always made it clear what standards were expected providing regular coaching and sharing of trends/common findings and best practice. I also provided advance warning of any changes to Policy/Process to ensure the managers had the best chance of passing these audits.
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Key Controls Assurance Manager
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Apr 2005 - Mar 2007
I covered the Commercial, Corporate and Institutional Banking offices in Scotland and was responsible for testing operational risk including AML customer records and payments as well as identifying any new risks in the business. I also spent time coaching and developing staff on risk management. In addition to testing operational risk I was also involved in testing Credit Stewardship. I developed strong relationships with staff at all levels of the business from Assistants, through to… Show more I covered the Commercial, Corporate and Institutional Banking offices in Scotland and was responsible for testing operational risk including AML customer records and payments as well as identifying any new risks in the business. I also spent time coaching and developing staff on risk management. In addition to testing operational risk I was also involved in testing Credit Stewardship. I developed strong relationships with staff at all levels of the business from Assistants, through to Directors due to my risk based approach and value added coaching. I also Identified a number of control gaps due to my experience of “the other side” when I was an Commercial Portfolio Manager.
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Assistant Commercial Portfolio Manager
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Jan 2002 - Mar 2005
When I re-joined RBS after completing my MBA I took on a role providing customer service and support for a portfolio of around 90 customers gaining experience in cross selling, full credit applications including new business, customer service and complaint handling. In 2004 I generated cross sales of over £100k passing some 45 leads on to business partners and increased the portfolio credit rating from 2 to a strong 3.
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McMenemy Consultants Limited
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IT Services and IT Consulting
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Company Secretary, Director, Personal Assistant, Property Manager, Bookkeeper/Accountant
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Nov 1997 - Jan 2002
I prepared the initial business plan, financing and setting up of the limited company for a freelance IT contractor and was responsible for the day-to-day running of the business as well as managing investment in, rental of & subsequent sales of three properties in Edinburgh and London. I also conducted book keeping and draft provision of the year end financial accounts before passing to the accountant. I attended conferences in the USA and Australia building relationships with members… Show more I prepared the initial business plan, financing and setting up of the limited company for a freelance IT contractor and was responsible for the day-to-day running of the business as well as managing investment in, rental of & subsequent sales of three properties in Edinburgh and London. I also conducted book keeping and draft provision of the year end financial accounts before passing to the accountant. I attended conferences in the USA and Australia building relationships with members and partners and co-ordinated the “Partner Program” at an IT conference in Edinburgh arranging local tours. Show less I prepared the initial business plan, financing and setting up of the limited company for a freelance IT contractor and was responsible for the day-to-day running of the business as well as managing investment in, rental of & subsequent sales of three properties in Edinburgh and London. I also conducted book keeping and draft provision of the year end financial accounts before passing to the accountant. I attended conferences in the USA and Australia building relationships with members… Show more I prepared the initial business plan, financing and setting up of the limited company for a freelance IT contractor and was responsible for the day-to-day running of the business as well as managing investment in, rental of & subsequent sales of three properties in Edinburgh and London. I also conducted book keeping and draft provision of the year end financial accounts before passing to the accountant. I attended conferences in the USA and Australia building relationships with members and partners and co-ordinated the “Partner Program” at an IT conference in Edinburgh arranging local tours. Show less
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Radisson Edwardian
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United Kingdom
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Hospitality
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Assistant Manager Human Resources
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Jun 2001 - Sep 2001
I completed a twelve-week internship for my MBA in the Central Human Resources Department of Radisson Edwardian Hotels in London where I supervised the three undergraduate students and assisted with the launch of a new Recruitment Centre. I also formulated a new proposed pay structure. My project was on the benefits of effective human resources covering various areas including: Recruitment and Selection, Retention and Turnover, Pay and Reward, Disciplinary and Personnel Procedures, Performance… Show more I completed a twelve-week internship for my MBA in the Central Human Resources Department of Radisson Edwardian Hotels in London where I supervised the three undergraduate students and assisted with the launch of a new Recruitment Centre. I also formulated a new proposed pay structure. My project was on the benefits of effective human resources covering various areas including: Recruitment and Selection, Retention and Turnover, Pay and Reward, Disciplinary and Personnel Procedures, Performance Measurement and Training & Development. Show less I completed a twelve-week internship for my MBA in the Central Human Resources Department of Radisson Edwardian Hotels in London where I supervised the three undergraduate students and assisted with the launch of a new Recruitment Centre. I also formulated a new proposed pay structure. My project was on the benefits of effective human resources covering various areas including: Recruitment and Selection, Retention and Turnover, Pay and Reward, Disciplinary and Personnel Procedures, Performance… Show more I completed a twelve-week internship for my MBA in the Central Human Resources Department of Radisson Edwardian Hotels in London where I supervised the three undergraduate students and assisted with the launch of a new Recruitment Centre. I also formulated a new proposed pay structure. My project was on the benefits of effective human resources covering various areas including: Recruitment and Selection, Retention and Turnover, Pay and Reward, Disciplinary and Personnel Procedures, Performance Measurement and Training & Development. Show less
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Royal Bank of Scotland
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Banking
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1 - 100 Employee
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Assistant Commercial Manager
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Jun 1997 - Sep 1997
I worked for 3 short months as an Assistant Commercial Manager before leaving RBS to attempt selection over the 200m for the Commonwealth Games in Manchester and studying part time for a Masters In Business Administration.
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Personal Assistant to the Director of Commercial Banking for Edinburgh, Borders, Lothian & Fife
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Jan 1993 - May 1997
This was a largely administrative role collating spreadsheet returns on costs and income, providing MI for performance management and managing the Director's diary.
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Company Secretarial Assistant
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Sep 1992 - Jan 1993
This was an administrative role where I created various procedural guides to aid training for new staff and illustrate best practice. I was also responsible for various projects for example: - Provided answers to questions the Chairman received before the AGM using databases. - Compilation of subsidiary company's Report and Accounts liaising with finance & external auditors.
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Banking Officer
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Jul 1988 - Sep 1992
I joined RBS straight from school and was placed in the Annan branch. After a year I was transferred to the larger Dumfries Whitesands branch where I learned the basics of the customer and cash desks. On completing my Members Banking exams I won an Institute Prize with the highest marks in the country for Management & Business. This highlighted my potential and secured me a position in the Group Secretary's Office in Edinburgh.
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Education
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1999 - 2001
Richmond, The American International University in London
MBA, Business & Banking -
1984 - 1995
Edinburgh Napier University
Member of the Chartered Institue of Bankers in Scotland, Banking & Finance -
1983 - 1988
Dumfries High School
English, Maths, History, French (A) German, (B) Chemistry, Biology (C), High School Higher Grades
Community
