KATERINA GAYDADZHIEVA-GRIGOROVA

1. AML/CFT Risk Assessment

• Lead comprehensive AML/CFT risk assessments across all business lines, customer segments, and product offerings.
• Identify emerging money laundering and terrorist financing threats and recommend risk mitigation strategies.
• Collaborate with internal stakeholders to embed a risk-based approach in day-to-day operations and decision-making.

2. Policy Development and Implementation

• Oversee the development, review, and continuous enhancement of internal AML/CFT policies, procedures, and control frameworks.
• Ensure all policies reflect up-to-date regulatory requirements and international standards (e.g., FATF, EU directives).
• Provide legal interpretation and guidance on complex regulatory issues affecting the bank's AML/CFT compliance posture.

3. AML/CFT Compliance Training

• Design, implement, and supervise comprehensive AML/CFT training programs tailored to various levels of staff, including executive management and frontline employees.
• Ensure ongoing staff education to maintain awareness of current regulations, typologies, and internal responsibilities.
• Support a strong culture of compliance and ethical conduct across the organization.

4. Auditing and Reporting

• Act as the primary legal liaison for internal, external, and regulatory audits or examinations concerning AML/CFT matters.
• Oversee the preparation of periodic compliance and risk assessment reports for senior management and governing bodies.
• Monitor regulatory trends and provide strategic legal advice to anticipate and manage regulatory change.

- Conduct a comprehensive risk assessment to identify, assess and monitor AML/CFT risks across business lines and products.
- Policy development and implementation - developing and updating internal AML/CFT rules, policies, procedures and controls to ensure compliance with applicable regulations and industry best practices.
- AML/CFT compliance training - developing and delivering AML/CFT compliance training programes to employees at all levels, ensuring a thorough understanding of regulations and responsibilities.
- Auditing and reporting - assisting with internal, external and regulatory audits and examinations related to AML/CFT. Prepare regular reports on compliance activities and risk assessment for senior management and relevant stakeholders.

- Investigate, analyse and report suspicious transactions/activities to regulatory authorities in accordance with applicable laws.
- Transaction Monitoring - Manage transaction monitoring, including setting up alerts and conducting investigations into suspicious patterns or transactions.

- Conduct ongoing transaction monitoring to identify unusual or suspicious activities.
- Review and analyze alerts generated by AML monitoring systems.
- Investigate customer activity to assess potential money laundering or terrorist financing risk.
- Prepare Suspicious Activity Reports (SARs) and submit them in a timely manner to regulatory authorities.
- Stay up to date with AML laws, regulatory changes, and industry best practices.
- Support internal audits and regulatory examinations.

• Lead the identification, analysis and optimisation of critical financial processes, driving efficiency, effectiveness and continuous improvement.
  - Process Mapping & Analysis - Conduct in-depth analysis of existing financial processes to identify areas for improvement, potential bottlenecks and opportunities for automation.
  - Process Improvement - developing and implementing strategies to streamline, simplify and optimise financial processes while ensuring compliance with relevant regulations and internal controls.
  - Solution Design & Implementation - Lead the design and implementation of new processes, systems or tools to improve efficiency and effectiveness within the Finance Tower.
  - Change Management - Develop and execute change management plans to effectively communicate and implement process changes, ensuring smooth transitions and user adoption.
  - Team Collaboration - Work closely with cross-functional teams within Finance and other departments to identify process improvement opportunities and align process changes with broader organisational goals.
  - Metrics and Reporting - Develop and track key performance indicators (KPIs) to measure process efficiency, effectiveness and impact. Prepare regular reports and presentations on process improvement initiatives and results.
  - Continuous Improvement - Cultivate a culture of continuous improvement within the Finance Tower by encouraging team members to identify and propose process improvements.
  - Project Management - Manage and monitor process improvement projects, ensuring adherence to timelines, budgets and quality standards.

Resolving vendor debit balances, investigating discrepancies, and ensuring timely and accurate payments to suppliers.
- Investigate and resolve debit balances- Review vendor statements, invoices and payment records to identify and resolve debit balances.
- Communicate effectively with vendors to clarify discrepancies, obtain necessary documentation, and resolve outstanding issues.
- Reconciliation - Reconcile vendor statements to company records to ensure accuracy and identify discrepancies.
- Process vendor invoices and ensure timely payment based on established policies and procedures.
- Data Entry and Maintenance - Maintain accurate records of vendor debit balances, payment history and communication logs in the accounting system.
- Problem Solving - Analyse and troubleshoot complex debit balance issues, working with internal teams to resolve root causes.
- Ensure compliance with company policies, internal controls and relevant financial regulations.
- Reporting - Prepare and submit regular reports on vendor debit balances, resolution progress and any trends or issues identified.

- Data Gathering - Collect and verify supporting documentation from vendors (e.g. invoices, proofs of delivery, credit memos) to support debit resolution.
- Process Automation - Leverage existing tools and systems to streamline the debt resolution process, including automating repetitive tasks and data entry.

• Company Overview: Legal
• Working with clients
• Preparation of draft contracts, powers of attorney and other documents
• Legal

• Company Overview: Trade
• Customer Service
• Preparation of contracts for provision of mobile services
• Trade

• Company Overview: Trade
• Customer Service
• Trade