Jonalyn C. Esporlas

Subject Matter Expert - Transaction Monitoring (March 2025 - to present)

Policy Support

• Advise on procedural and policy-related queries, issues, and escalations.
• Communicate new policies and updates to stakeholders.
• Collaborate on policy improvements to enhance process execution.

Learning & Development

• Develop and update Financial Crime training materials.
• Deliver training sessions, including inductions and refreshers.

Quality Management

• Create and update quality metrics; analyze data to recommend improvements.
• Establish quality programs to train and accredit Quality Controllers.
• Support Quality Controllers Calibrations and team huddles to maintain standards.

AML/KYC Team Leader (Feb 2024 - Feb 2025)

Strategic Leadership and Team Management

• Led end-to-end management of KYC operations, driving team performance and ensuring timely delivery of high-quality outcomes.
• Strategically prioritized workloads and optimized resource allocation to support business objectives and operational efficiency.
• Championed the development and execution of team strategies that consistently exceeded production and quality targets.
• Partnered with senior leadership to define performance metrics, align operational goals, and drive continuous process improvement.
• Delivered robust performance management by monitoring KPIs, coaching team members, and fostering a high-performance culture.
• Strengthened stakeholder relationships through proactive engagement, ensuring alignment on strategic priorities and seamless issue resolution.
• Oversaw capacity planning, succession planning, and the development of future leaders to build a resilient and agile team.
• Spearheaded recognition initiatives to reward high performers, enhance morale, and promote retention.
• Identified and mitigated risks by escalating critical issues and implementing proactive solutions to maintain operational excellence.

• Maintained and updated compliance policies in line with Group standards, regulatory guidelines, and industry best practices.
• Performed CDD reviews, cleared screening alerts, monitored transactions, and filed STRs as required.
• Provided compliance advisory to business units and supported enhancements to products, systems, and processes.
• Conducted enterprise-wide risk assessments and internal compliance quality reviews.
• Liaised with regulators, auditors, and law enforcement agencies on compliance matters.
• Monitored and reported compliance risks, issues, and remedial actions to senior leadership.
• Delivered AML/CFT training programs, including onboarding and refresher sessions for employees.

• Oversaw daily deliverables to ensure compliance with business and regulatory requirements for client data management and identification documents during onboarding and throughout the client lifecycle.
• Ensured accuracy in data processing, document retention, and record-keeping in alignment with regulatory standards.
• Provided daily operational support and guidance to the team, resolving CDD-related queries and performing quality assurance reviews on outputs.
• Managed key performance indicators and accurate reporting at both individual and team levels; maintained regular engagement with senior management and prepared KYC/AML reports.
• Contributed to process and workflow design, implementation, and maintenance; supported projects and ad hoc tasks to enhance operational and technical aspects of CDD.
• Assisted in standardizing KYC/AML processes in coordination with Group Compliance and senior leadership; developed and maintained procedures, forms, and training programs.
• Ensured timely receipt of customer due diligence documentation, conducted periodic and event-driven CDD reviews, and updated risk analysis reports.
• Reported suspicious or unusual transactions in compliance with internal policies and regulatory requirements.
• Managed escalations and incidents effectively, acting as risk coordinator for the business division to monitor risk events, action plans, and ensure completion of risk control self-assess

• Maintained high-quality standards for all KYC profiles, ensuring compliance with jurisdictional requirements and performance level agreements.
• Supported the preparation and updating of KYC profiles, delivering timely and accurate outputs in line with Group Policy and regulatory requirements.
• Collaborated with KYC analysts and team leaders to prioritize workloads and ensure on-time profile completion across the KYC utility.
• Proactively identified and escalated audit and compliance issues to management; ensured closure of all audit recommendations within scope.
• Raised production quality concerns to team leads and QA, partnering to implement improvement recommendations and investigate quality issues.
• Ensured full implementation of AML regulations, company policies, and procedures for KYC requirements across Global Banking & Markets and Commercial Banking clients.
• Adhered strictly to compliance and operational risk controls; reported control weaknesses, compliance breaches, and operational loss events as per internal policies.
• Conducted in-depth research using internal and external sources; gathered and analyzed documentation to meet regulatory due diligence standards.
• Performed WorldCheck/OFAC and negative news screening, reviewed alerts, and escalated findings to compliance or business units as necessary.

• Delivered high-quality service to internal and external clients by promptly and accurately responding to enquiries on a wide range of institutional products and services.
• Served as Subject Matter Expert, training and mentoring new team members, and leading updates to training materials, process guides, and implementation of new procedures.
• Managed account reconciliations for outstanding items and breaks in internal accounts to ensure accuracy and compliance.
• Verified and repaired client-submitted payment transactions with errors, adhering to established problem queue processes.
• Prepared weekly production planning reports and variance analysis between planned and actual outputs to support operational efficiency.
• Acted as alternate authorizer/verifier for Outward Payments processes, including processing faxed and emailed International Money Transfer (IMT) requests, real-time gross settlement (RTGS) transactions, and branch-initiated IMTs.
• Coordinated with foreign exchange dealers, account managers, and relationship managers to verify FX contracts submitted by clients and approvals required for payments.

• Handled over-the-counter financial transactions, verifying and validating peso, dollar, and third-currency transactions, and ensuring authenticity of notes and supporting documents.
• Received and processed cash/check deposits, withdrawals, and check encashments with proper verification of source documents, ensuring all transactions adhered to approval and authority limits.
• Supported Sundries and New Accounts by updating client records, maintaining registers of accountable forms, and managing client document files. Acted as alternate for New Accounts and assisted with frontline inquiries and transactions as needed.
• Performed end-of-day self-audits on all transactions and section activities to ensure compliance with bank policies and regulatory standards.
• Promoted bank products and services through cross-selling, referrals, and fostering strong client relationships to support business growth.
• Served as co-custodian for vault operations, overseeing opening and closing procedures, cash counts, transfers, accountable items, and collateralized items.

• Assisted subscribers with inquiries and complaints, monitored pending line applications and documents to ensure timely processing in line with service level agreements.
• Served as Administration Team Leader, overseeing sales and aftersales transactions, managing document transmittals, and ensuring completeness of submitted records for pending activities.
• Appointed as Merchandise Team Leader, responsible for maintaining updated marketing materials and ensuring proper display in customer centers.
• Trained in cashiering functions and performed multitasking roles to support operational efficiency and customer satisfaction.

• Managed daily balancing of funds, sales, deposits, check bill payments, and remittance transactions to ensure accurate financial reporting.
• Oversaw foreign exchange services, verifying the authenticity of foreign currency notes and ensuring balanced foreign exchange funds.
• Administered ATM operations, including cash replenishment, monitoring, and maintenance of ATM availability for customers.
• Handled loose change funds, petty cash, and foreign exchange funds to support branch operations and customer transactions efficiently.

• Managed key distributor accounts across the North Luzon region, ensuring seamless coordination and fulfillment of stock deliveries in line with requested timelines to prevent stock-outs.
• Oversaw account reconciliation processes by issuing debit and credit memos, maintaining accuracy and transparency in financial transactions.
• Built and maintained strong relationships with distributors, serving as the primary point of contact to support business growth and operational efficiency.