Carole Wojcieszczuk

Support the Global Due Diligence team as AML/KYC Analyst, conducting customer due diligence and client risk assessments.

• Review KYC/AML documentation to ensure completeness of information required to finalise KYC reviews.
• Proactively engage with Client Managers to facilitate document collection, resolve delays, and ensure timely completion of KYC reviews.
• Prepare Due Diligence risk assessment checklists to support remediation and periodic review activities.
• Maintain KYC systems with updated client information, ensuring data quality and audit readiness.
• Identify and escalate high-risk cases to senior stakeholders, Local and Group Compliance, obtaining required approvals.
• Ensure compliance with internal policies, procedures, and applicable regulatory requirements.
• Manage deadlines and SLAs in a fast-paced, dynamic environment.
• Deliver high-quality work consistently, meeting or exceeding performance expectations.

Conducted client due diligence (CDD) and enhanced due diligence (EDD) during account opening per Bank of Ireland policies.

• Collected CDD requirements, performed initial screening, and facilitated onboarding of retail clients.
• Contacted customers to obtain missing CDD information, including RBO extracts, IDs, partnership agreements, and UBO forms.
• Analysed AML alerts generated through BOI systems to identify potentially suspicious activity using trusted external sources.
• Managed high-risk customer escalations from the first line of defense and provided AML/CFT and sanctions subject matter expertise to the L1 team.
• Documented findings accurately for Head of Business review and MLRO sign-off, ensuring alignment with regulatory standards.
• Collaborated with internal and external stakeholders to drive timely case resolution.
• Performed effectively under pressure, maintaining high standards in tight-deadline and when dealing with demanding clients and stakeholders.

Acted as the primary liaison for all aspects of the Meta FinTech client onboarding journey, supporting stakeholders through the end-to-end onboarding process.

• Executed AML due diligence during account opening and throughout customer lifecycle to mitigate compliance risks.
• Managed customer onboarding and identity verification reviews to ensure compliance with regulatory and internal requirements.
• Ensured a high-quality onboarding experience by proactively tracking onboarding progress, resolving documentation gaps, and coordinating timely stakeholder updates to meet SLAs.
• Conducted comprehensive KYC, PEP/EDD, and sanctions screening in line with regulatory standards and escalated higher-risk findings based on defined dismissal and escalation criteria.
• Reviewed customer account activity over past 12 months for transaction monitoring and escalated potentially suspicious activity for further investigation.

• Supported the Compliance function with various activities, advising on complex Compliance cases to ensure AML regulatory requirements were fully met across Ireland and EMEA.
• Completed PEP and high-risk customer reviews escalated from L1/L2 teams, producing accurate and concise EDD reports for the Head of Business review and MLRO sign-off.
• Conducted customer risk assessments, including periodic and trigger event reviews, to ensure ongoing compliance with AML regulations.
• Identified unusual activity, documented findings, and prepared SAR narratives for senior management escalation, enhancing compliance oversight.
• Developed training materials to address recurring error trends and conducted targeted coaching sessions to enhance team quality and consistency.
• Led and contributed to projects implementing new KYC due diligence processes and regulatory changes, including GDPR.
• Delivered AML/CFT onboarding training for new hires and provided ongoing support and refresher training across EMEA sales businesses, fostering a strong compliance culture within DFS.

Managed the onboarding processes for new customers in a sales-driven environment, facilitating timely receipt and processing of KYC documentation.

• Verified prospective customer identities through thorough documentation checks, ensuring compliance with KYC regulations.
• Screened customers to assess AML risks associated with each individual.
• Performed enhanced due diligence on new and existing clients against financial sanction, PEP and adverse media lists.
• Reviewed sanction alerts, closing false positives and investigating confirmed matches; escalated requests for senior management approval.
• Reviewed AML/CDD documentation during periodic reviews, confirming adherence to regulatory and client requirements.
• Monitored transactions for potential money laundering or terrorist financing activities, enhancing overall risk assessment.
• Performed effectively in a high-volume environments.
• Achievements: Promoted to Compliance Analyst for exceeding personal goals, supporting a compliance culture and exemplary performance.

• Assisted customers with technical support inquiries, assessing issues and severity levels to resolve problems effectively.
• Ensured timely escalation of cases following established procedures.
• Monitored queues and backlogs, identifying VOC (Voice of Customer) risks to enhance service delivery.
• Led team operations as Ops Lead for three months, coordinating efforts to ensure operational efficiency.
• Achieved Bronze Award of Excellence for significant contributions to business objectives.
• Obtained Yellow Belt Certification in Lean Six Sigma methodologies.

French Language and Literature teacher to 12 to 15 years old students in secondary school.