Angie Johanna Silva Castellanos
Malmö
Summary
Highly skilled professional with extensive expertise in conducting risk assessments and identifying potential risks within financial and corporate environments. Collaborates with cross-functional teams to ensure compliance with industry regulations and standards. Successfully navigates complex infrastructures involving numerous groups and individuals, exercising appropriate judgment and decision-making when escalating potential risks to the business. Possesses strong analytical, prioritization, and organizational skills, coupled with a keen awareness of risk and control measures. Effective communicator and listener, capable of engaging both internal and external stakeholders to ensure the implementation of appropriate risk controls. Independent and self-directed, adaptable and flexible within team environments, with a willingness to learn new roles and responsibilities on a daily basis. Proven ability to work under pressure to meet tight deadlines, adept at multitasking and managing multiple streams of work simultaneously.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Institutional Onboarding & ODD Financial Crime Prevention
Saxo Bank
12.2022 - Current
- Development of the annual renewal and onboarding for Financial Institutional Clients with different types of contracts like with label contract where Saxo is exposed to money laundering risks as it does not have control over the sub clients / sub accounts
- Process the incoming clients’ applications in accordance with the AML business procedures, and in line with the Global Minimum Standards and Saxo Group’s Risk Appetite;
- Meet the SLA’s for processing the incoming cases and the agreed quality standards and participate in daily tasks such as quality check, review of results of the ongoing client AML screening, processing incoming requests to the team’s inbox
- Conducting appropriate risk assessments, transaction and login monitoring, market abuse analysis and other aspects to ensure that appropriate risk controls are in place throughout self declaration form and Wolfsberg questionnaire and public and official resource;
- Work with key internal stakeholders and institutional clients, interact and cooperate with other relevant departments to ensure compliance and operational efficiency, proper business procedures and client focus
- Perform Quality Control and Quality Assurance on Client Due Diligence (CDD), Ongoing Due Diligence (ODD), Enhanced Customer Due, Diligence (ECDD), for corporate and institutional clients;
- Discuss and escalate the complex issues surrounding client types and structures, and other risk related issues
- Periodic refreshes of Saxo knowledge of its client base and remediation activities if required;
- Ensuring the customers activities are in compliance with regulation and implementing proper risk control providing solid and reliable tracking, analyzing and reporting of customers;
- Identify the risks, measure and mitigate them inherent to the business activities;
- Self-motivated, with a strong sense of personal responsibility.
- Worked effectively in fast-paced environments.
- Skilled at working independently and collaboratively in a team environment.
- Paid attention to detail while completing assignments.
Corporate Onboarding & ODD Analyst
Saxo Bank
06.2022 - 11.2022
- Perform Client Due Diligence (CDD), Ongoing Due Diligence (ODD), Enhanced Customer Due, Diligence (ECDD), for corporate clients Ensuring the customers activities are in compliance with regulation and implementing proper risk control providing solid and reliable tracking, analyzing and reporting of customers;
- Identify the risks, measure and mitigate them inherent to the business activities;
- Increased efficiency by streamlining data analysis processes and implementing automation tools.
- Improved internal knowledge sharing by developing comprehensive documentation outlining standard operating procedures for various tasks.
- Managed multiple projects simultaneously while adhering to strict deadlines and quality standards.
- Educated staff on organizational mission and goals to help employees achieve success.
KYC Analyst consultant for Bink remediation
Saxo Bank
09.2021 - 05.2022
- Performed periodic reviews and reports on merchants to comply with rules, regulations and KYC requirements.
- Reviewed new prospect KYC documents to meet requirements and determine business model risk.
- Analyzed and investigated clients to conduct detailed customer due diligence and enhanced due diligence review.
- Maintained up-to-date knowledge of industry best practices, sharing insights with colleagues to enhance organizational performance.
- Identified potential risks and red flags through comprehensive customer risk assessments, mitigating potential financial losses.
- Ensured compliance with regulatory requirements by conducting thorough customer due diligence checks.
- Collaborated with cross-functional teams to ensure alignment of KYC processes across the organization.
Customer Service Representative
Global Exchange Group
04.2018 - 12.2020
- Financial Service by selling foreign currency, insurance and products;
- Currency Trader following legal procedures such as Anti-money Laundry AML, CFT and KYC;
- Direct contact with customers providing the highest level of service achieving the company’s objectives in sales and market strategy;
- Answer enquiries and resolve problems or discrepancies concerning customer’s transactions;
- Cash handling through currency purchase and sale transactions following security procedures;
- Support for the training of new business advisors
- Resolved customer complaints with empathy, resulting in increased loyalty and repeat business.
- Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
- Responded to customer requests for products, services, and company information.
Financial Advisor, Cashier
Bancolombia S.A.
08.2010 - 12.2013
- Receive, deliver and safeguard cash, checks, transfers, credit card payments, money orders drafts and other documents of value, in order to achieve the collection of income to the institution and the payments related banking transactions;
- Obtain and process information required for the provision of services, such as opening accounts, savings plans and purchasing bonds
- Insurance, pension payment management and tax collection
- Built strong relationships with clients, fostering trust and loyalty in managing their financial portfolios.
- Educated clients on various financial matters and provided professional recommendations on investment opportunities, products, and services based on each clients' individual needs.
- Developed comprehensive financial plans for clients to achieve short-term and long-term goals.
- Facilitated new client onboarding process and investment account setup.
- Mentored junior advisors, sharing knowledge, expertise, and best practices to enhance team performance.
Head Cashier, Trader Currency
Financiera Cambiamos SA MoneyGram
01.2008 - 08.2010
- Team Leader, Supervise and co-ordinate sales staff and cashiers;
- Customer service related with Money transfers (MoneyGram and Ria), SARLAFT- AML & CFT
- Mentored new cashiers, providing comprehensive training that resulted in increased productivity.
- Provided exceptional customer service by promptly resolving issues and fostering positive relationships with patrons.
- Ensured accuracy in cash handling, minimizing discrepancies and maintaining balanced registers.
- Trained, mentored, and developed new cashiers with positive and encouraging techniques to maximize performance and team contributions.
- Conducted regular audits of register tills, ensuring accuracy in daily cash counts and minimizing discrepancies.
- Processed both cash and card purchases and returns.
Education
Finance Specialisation - Risk Management and Compliance, Development Digital Business, Digitalisation of Finance
Copenhagen Business School
05.2024
Bachelor Program - Business Administration
Universidad de la Salle
11.2013
Skills
- Risk assessment
- Decision-making support
- Leadership
- Communication
- Stakeholder engagement
- Data interpretation
- MS Office
- CRM
- Dynamics 365
- Ability to work under pressure
- Customer due diligence
- Project management
- Problem solving
- Friendly, positive attitude
- Teamwork and collaboration
- Attention to detail
- Flexible and adaptable
- Organizational skills
- Decision-making
Accomplishments
Success Purpose and Scope project for all Institutional clients – April to May 2024
The project involves approximately 1,000 financial entities that are clients of Saxo Bank, aiming to collect and evaluate information on the scope and purpose of their accounts to ensure legitimacy and alignment with client behavior. It focuses on understanding why clients choose Saxo Bank, assessing their goals, and evaluating the products and services they intend to use, including the country base where they operate.
The key points include examining the type of client, business model, product and service offerings, client segments, and geographical footprint. Additionally, it determines expected funding amounts, transaction volumes, frequencies, and jurisdictions, considering currency and products, while understanding payment flows and the entity's relationships as correspondent and custodian banks.
Certification
- Compliance and Risk management
- Business Digitalization
- Anti Money Laundry AML & CFT
- General Data Protection Regulation (GDPR)
- Market Abuse Risk
- Financial Investors
Languages
Spanish
Native or Bilingual
English
Full Professional
Swedish
Limited Working
Italian
Limited Working
Timeline
Institutional Onboarding & ODD Financial Crime Prevention
Saxo Bank
12.2022 - Current
Corporate Onboarding & ODD Analyst
Saxo Bank
06.2022 - 11.2022
KYC Analyst consultant for Bink remediation
Saxo Bank
09.2021 - 05.2022
Customer Service Representative
Global Exchange Group
04.2018 - 12.2020
Financial Advisor, Cashier
Bancolombia S.A.
08.2010 - 12.2013
Head Cashier, Trader Currency
Financiera Cambiamos SA MoneyGram
01.2008 - 08.2010
Bachelor Program - Business Administration
Universidad de la Salle
Finance Specialisation - Risk Management and Compliance, Development Digital Business, Digitalisation of Finance
Copenhagen Business School
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