Francis Baluyot

FRANCIS BALUYOT With 14 years in the financial industry, including banking and non-bank institutions, possess expertise in Credit Underwriting, Compliance Transaction Monitoring, AML, CTF, Enhanced Due Diligence, and KYC. Contact Information: Mobile number: - Email address:- Highest Educational Attainment: Bachelor of Arts in English, Cum Laude Arellano University, 2020 Professional Experiences: Senior Transaction Monitoring and Sanction Screening Specialist Thunes ● ● Review and investigate escalated alerts from Transaction Monitoring for remittance transactions to detect potential money laundering or other suspicious activities. Conduct Sanctions Screening to ensure compliance with regulatory requirements and identify potential sanctions violations and release held transactions due to Sanction Screening once cleared. AML Operations Analyst PayMongo Philippines Inc. ● ● ● ● ● ● ● March 2021 - Sept 2022 Conduct quality audits for Cryptocurrency Transaction Monitoring and Client Onboarding. Perform data analysis, and process review, to identify gaps in service delivery and opportunities for improvement. Develop and implement Standing Operating Procedure (SOP) and Quality Framework that covers Quality Sampling, Quality Matrix, Feedback and other processes related to Quality Senior Retail Credit Underwriter HSBC Data Electronic Processing Inc. ● Sept 2022 - May 2023 Reviewing cryptocurrency and fiat transactions that are flagged and routed to the AML team for further analysis. Reviewing the transaction monitoring system parameters to ensure that alerts are always calibrated. Ensuring Suspicious Transactions are properly identified, written report, and submitted promptly to the AMLC. Transaction Monitoring Quality Auditing Analyst Accenture Inc. ● ● ● June 2023 - Oct 2023 Perform risk-based investigations on complex retail banking transaction monitoring alerts and cases, identifying activity that could be indicative of money laundering, terrorist financing and tax evasion. Analyze customer and transaction data to determine if alerted activity is normal, considering the customer's profile and transaction history, and conduct further background research if needed. Document investigations thoroughly by recording the details of the alert, the data you have considered, the basis of conclusion and any evidence gathered that supports the conclusion. Senior Compliance Monitoring Officer Philippine Digital Asset Exchange ● ● ● Nov 2023 - Sept 2024 Investigate flagged payment transactions and remittances, handle KYC processes, request further information, gather data and evidence, and document actions taken. Manage Suspicious Transaction Reports (STR) and Covered Transaction Reports (CTR), ensuring timely and accurate AML/CTF reporting. Ensure accurate and timely reporting of suspicious transactions, crime reports, and handling of AML-related court cases (e.g., Freeze Orders). Senior Alert Investigator Analyst ING Hubs B.V Philippines ● Oct 2023 - June 2023 Jan 2011 - Feb 2021 Perform comprehensive KYC and Enhanced Due Diligence by analyzing identity, residential, financial transaction monitoring, and credit documents to evaluate a borrower's creditworthiness and repayment ability. Conduct transaction monitoring on customer accounts to assess limit increase requests and review transaction patterns for potential suspicious activity in line with AML principles Make final decisions on application approvals or denials, provide recommendations for exceptions if needed, and prepare unusual activity reports for the Compliance and Risk team.