Financial Crime Services Banking & Financial Institutions

1 Financial Crime Services Banking & Financial InstitutionsFinancial Crime , bank and insurance fraud, money-laundering, bribery, and corruption have significantlyincreased as a result of the global Financial crisis. Hot money is on the move internationally due to thepolitically instable conditions in certain highly-liquid Financial markets. The reactions of regulators includethe latest Financial Action Task Force (FATF) rules which will have a significant impact on banks andfinancial the global Financial sector is experiencing the regulators soto-sotoapproaches to both encourage promotionof professional standards it is being careful not to restrict Banking commercial activities unnecessarily which in turncould harm economic Financial entities have specific requirements to be compliant and the multi-disciplinary team of experts atRisk Reward have an exhaustive track record and reputation for subject matter expertise, professionalism, discretion,global experience and service UK Bribery Act (2010)

2 Has passed its 1-year anniversary there are a plethora of cases arising from the internationalmarkets where British firms conduct Risk Reward FC team is acknowledged as the most thoroughly interdisciplinary and truly indepedent availableworldwide. We have specialist qualified AML/CFT and ABC Banking experts, former Big Bank MLROs, forensicaccountants, chartered bankers, bank internal auditors, and insurers; certified fraud examiners, and experienced multi-jurisdictional Expert Witnesses; a World Bank FIU mentor for sub-saharan Africa; law enforcement Financial crimeinvestigators; and a former head of a the UK Financial intelligence unit, SOCA. This year the team also recentlyexpanded to additional cybercrime specialists to assist banks and mobile phone companies with payments and creditcard latest service designed for MLROs is Red ChairTM, a dial-in service to provide discreet, prompt informationwhen they need to know now.

3 Available by the hour, without the need for a contract or retainer, it hasbecome one of our most popular offerings to because ours is the only truly independent international Financial Crime team in its class other well-establishedinstitutes and firms trust Risk Reward to deliver their specialised tools, products and Services on their behalf. RiskRewards holds an exclusive license for preparatory Masterclasstraining to the ACAMS certificate, the CharteredInstitute of Securities and Investments Combatting Financial Crime certificateand InMarket s affordable, bespokeAML e-learningtool currently available in 16 different languages and customised to any global yours is a global player or small-to-medium sized enterprise our experts are here to ensure youcan respond with confidencein your own defense when a regulator calls you in.

4 Or to train your own staff/managersif you are the regulator. Without doubt it is better to be prepared, not scared, so feel free to contact us for regulatoryupdates, compliance reviews, for internal investigations/interviews, training and competency requirements or whenyou need 100% discretion and prompt response to address an urgent problem when it first becomes apparent (andbefore it becomes known to the Board, shareholders, or the press).Please contact us with your challenges for our high-quality, practical and affordable solutions - we lookforward to serving you CoxChief Executive OfficerCEO s Message1 For more information please visit : or telephone +44 (0) 20 7638 business offers a wide range of consultancyand training Services delivered by a pool of over600 consultants.

5 Each of our consultants areexperts in their fields with years of relevantindustry experience, ensuring that our servicesadd value from day one and eliminate the usualconsultant learning curve delays. In every case ourconsultants are able to make suggestions based ontheir own considerable experience of dealingsuccessfully with similar challenges in their are the official training providers for:nAssociation of Certified Anti-MoneyLaundering Specialists (ACAMS)nThe Chartered Insurance Institute (CII)nThe Chartered Institute for Securitiesand Investment (CISI)nThe Institute of Chartered Accountantsin England & Wales (ICAEW)nChartered Institue of Internal Auditors(IIA)nThe Professional Risk Managers International Association (PRMIA)and conduct training to a wide variety ofaccredited and certified programmes andqualifications.

6 To date we have helped over 500 banksandfinancial Institutions , including central banks, totrain and improve the performance of their trainers and courses are considered to beamong the best in the Reward Limited x About UsEstablished in 2002 Risk Reward is a leading supplierof advisory and training servicesto the Banking , Financial and corporate sectors in developed and emerging consulting and training Services are delivered directly to banks and financialinstitutions by our own consultants, or we will supply the same consultants viaintermediaries with whom we have developed close working relationships. 2 AfricaAfrican Banking CorporationBanque africaine de d veloppement Barclays Bank (South Africa)BDO (Mauritius)Cavmont Capital Bank (Zambia)Central Bank of NigeriaChaseBank (Kenya)Citizens SME Agency (Botswana)Commercial Bank (Zambia)Commercial International Bank(Egypt)Development Bank (Rwanda)D veloppement Bank PHB (Nigeria)Eco Bank (Ghana)Egyptian Banking Institute (Egypt)Exam Ready (South Africa)Finance Bank (Zambia)First Atlantic Merchant Bank(Ghana)First Bank (Nigeria)First Rand Bank (South Africa)FITC - Financial Institution TrainingCentre (Nigeria)Guaranty Trust Bank (Nigeria)HFC Bank (Ghana)Housing Finance (Uganda)Indefund (Malawi)Intercontinental Bank Plc (Nigeria)Intermarket Banking (Nigeria)Investment Banking & TrustInvestrust Bank (Zambia)

7 Investec (South Africa)LEFISA Ventures (Lesotho)National Bank (Malawi)National Commercial Bank (SaudiArabia)National Investment Bank (Ghana)Nedbank (South Africa)Nigeria Capital market InstituteOmnifinance (Cote D'Ivoire)Press Trust (Malawi)Prudent Bank (Nigeria)RawBank (Congo)Rokel Commercial (Sierra Leone)Sierra Leone Commerce BankStandard Corp. & Merchant BankTrust Bank (Ghana)UBA (Nigeria)UBA Capital (London)Union Bank (Cameroon)Zenith Bank (Nigeria)Russia & CISAlfa Bank (Ukraine)Bank TuranAlem (Kazakhstan) Banking institute of ArmeniaCentral Bank of ArmeniaEurasian Bank (Kazakhstan)GazprombankHalyk BankHSBC (Armenia)Im Bank (Russia)PASHA BankPrometey Bank (Armenia)Raiffeisen Bank (Russia)TranskreditTroika Dialog (Russia)UK & Ireland/EuropeABN-AMRO Bouwfonds(Netherlands)ACCA (UK)AccBank (Ireland)Alpha Bank London Ltd Association of Cyprus CommercialBanksBanco de SabadellBanco Santander TottaBank Julius Baer & Co Bank Mandiri Ltd (Cyprus)Bank of Bermuda (Luxembourg)Bank of ChinaBank of England (UK)

8 Bank of IrelandBank of Montreal Bank Saderat plcBank Sepah International plcBanco Internacional Do Funchal Bank plcBNP ParibasBrewin Dolphin Bell Lawrie LtdBritish Bankers' AssociationBrunel University (UK)C Hoare & CoChristiania Bank (Norway)CIBC World Markets Plc City Speakers International (UK)Clariden Bank (Switzerland)Combined Insurance (UK)Commerzbank AGCo-operative Bank (UK)Co-operative Financial ServicesCoutts & CoCredit Agricole Asset ManagementCredit Suisse (Switzerland)D C Gardner (UK)Danske Bank A/SDepfa Bank PlcDeutsche Postbank AGDexia Bank Belgium London BranchDNB ASA (Norway)Euromoney (UK)EuroNBank (Greece)Eximbank (Romania)Fortis Bank (Netherlands)Habib Allied International Bank Habib Bank (Switzerland)Harrods Bank LtdHrvatska Postanska (Hungary)HSBC (UK)HSBC Bank Plc HVB Bank (Czech Republic)ICAEW (UK)ICICI Bank (India)IG Group Holdings Plc Im Bank (Russia)ING Direct (UK) Ltd ING Group (Netherlands)International Development (Eire)International Moscow Bank (UK)Investec Private Bank (UK) JP Morgan Chase (UK)JP Morgan Europe Limited Kredietbank (Luxembourg)Laiki Bank (Cyprus)Landsbanki (Iceland)Lloyds Banking GroupMISMKB Bank (Hungary)National Australia Bank LtdNatixisNederlandse Waterschapsbank(Netherlands)Nomura Bank International PlcNordea (Finland)Nordic Investment Bank (Norway)PWC (Romania)PWC (UK)Rabobank (Netherlands)Raiffeissen Zentralbank (Austria)Royal Bank of Scotland (UK)Russian Commercial Bank (Cyprus)Samba Financial GroupSampo PlcChartered Institute for Securitiesand Investment (UK)

9 Santander BankSoci t G n raleStandard Chartered Bank (UK)Swedbank (Sweden)The Bank of Tokyo Mitsubishi UFJ LtdThe Royal Bank of Scotland PlcTotal Solutions (Netherlands, Dubai)Unisys (UK)Yorkshire Building SocietyMiddle EastAbu Dhabi Audit AuthorityAbu Dhabi Centre for CorporateGovernanceAbu Dhabi Investment AuthorityAl Rajhi Bank (Saudi Arabia)Al-Ahli Bank (Kuwait)Al-Mashreq Bank (Dubai)Al-Mujaz (Saudi Arabia)Arab Banking CorporationArab National Bank (Saudi Arabia)Bahrain Institute of Banking and FinanceBank AudiBanque Saradar (Lebanon)Banque Saudi Fransi (Saudi Arabia)Byblos Bank (Lebanon)Commercial Bank of KuwaitCommercial International Bank(Egypt)EFG-Hermes Fund ManagementEngro Polymer & Chemicals LimitedEnhance (Dubai)Finance Al Ain International GroupFinance Gulf Takaful Insurance CoFinancial Control Guaranty Trust AssuranceFirst Gulf Bank (Dubai)Fleming Gulf (Dubai)Fransabank (Lebanon)Global Investment Bank (Kuwait)Institute of Banking Studies (Jordan)Institute of Banking Studies (Kuwait)Investments Emirates Int l Investment CoIslamic Development Bank (Jeddah)Israel Discount Bank LtdNational Bank of Abu DhabiNational Bank of KuwaitNational Commercial Bank (Kuwait)Red MoneyRiyad Bank (Saudi Arabia)R Raphael & Sons Plc Samba Financial GroupSaudi Arabian Monetary AgencySchroder & Co Ltd TD Securities The Co-operative Bank Plc Total SolutionsWells Fargo Bank NA Winterflood Securities Ltd AsiaABN-AMRO (Hong Kong,Singapore)Banco Nacional Ultramarino (China)Bank Negara (Malaysia)

10 Bank of Baroda (India)Bank of ChinaBank Negara Indonesia (Persero)Bank TuranAlem (Kazakhstan)Barclays Private Banking (HongKong)Canara BankDFCC (Sri Lanka)Dhaka Bank Ltd (Bangladesh)Dutch Bangla Bank (Bangladesh)Ethan Hathaway (Hong Kong)ICBC (Hong Kong China)L B Finance Ltd (Sri Lanka)Mercantile Bank Ltd (Bangladesh)Mitsubishi UFJ Securities International PlcMonetary Authority (Hong Kong)Monetary Authority (Singapore)National Development Bank (Sri Lanka)Norinchukin Bank (Japan)Orient Financial Services (Sri Lanka)Oriental Bank of Commerce (India)Overseas Chinese BankingPremier Bank (Bangladesh)PT Bank BNI (Persero)RedMoney (Malaysia)State Bank of Bikaner & Jaipur(India)Swiss Reinsurance (Hong Kong)TBK (Singapore)Whitestone (Singapore)AmericasBank HapoalimBank Leumi USABank of AmericaBank of UtahBank PlusBank UnitedBoard of GovernorsBRD Groupe Societe GeneraleCapital OneCentral Bank of BrazilCentral Bank of MexicoChapman ConsultingChicago Bridge & Iron CoCitizen's BankComerica IncDepository Trust & Clearing CorpDeutsche Bank AGDNB Bank ASAE nbridge IncEmblemHealthEvans Bank NAE*TRADE Financial CorpFederal Home Loan Bank (NewYork)Federal Reserve Bank of DallasFederal Reserve Bank of New YorkFidelity Management ResearchFirst Citizen's BankFirst Niagara BankFirst Republic BankFRB of New YorkFreddie MacGeneral MotorsGlens Falls National Bank & Trust CoIberia Banking GroupIntesa SanPaoloIntrepid Potash IncJohnson Financial GroupJSC Liberty BankLance IncLakeland BankLegg Mason & CoL.