Remnault Lemuel Juatco
Team Lead,Financial Intelligence Unit
Mandaluyong,Metro Manila
Summary
Dynamic and results-driven Financial Crime and Risk professional with extensive experience in AML Transaction Monitoring, KYC, CDD, and fraud detection across banking and financial institutions. Proven expertise in developing and implementing strategic processes that enhance operational efficiency, ensure regulatory compliance, and mitigate financial crime risks. Adept at leading high-performing teams, refining AML typologies, and executing end-to-end investigations with precision. Recognized for delivering measurable results, including improved detection accuracy, reduced false positives, and timely STR submissions. Committed to excellence in risk management, compliance, and operational resilience, with a solid foundation in creative problem-solving and cross-functional collaboration.
Overview
16
16
years of professional experience
1
1
Certification
Work History
FIU Lead (Transaction Monitoring, AML, FEC Detection)
UnionDigital Bank
Pasig, City
01.2023 - Current
- Spearheaded the design and implementation of robust AML Transaction Monitoring processes and standards, achieving a 25% improvement in detection accuracy by streamlining workflows and integrating advanced methodologies
- Ensured full compliance with regulatory mandates, reducing audit findings to zero
- Actively tracked and adapted to evolving AML regulations, industry trends, and reputational risks, enabling the team to consistently meet and exceed regulatory requirements
- Proactively addressed compliance gaps, strengthening the organization’s defenses against financial crime
- Enhanced the efficacy of monitoring systems by conducting in-depth reviews of AML typologies and parameters, achieving a 30% reduction in false positives while aligning detection capabilities with emerging financial crime patterns
- Maintained expert-level understanding of internal AML typologies, enabling the accurate identification of high-risk activities
- Provided detailed guidance and resolution strategies to analysts on complex and high-priority cases
- Directed and motivated a team of analysts, ensuring consistent delivery of high-quality outputs
- Conducted structured performance reviews and skill-gap analyses, resulting in a 15% increase in team productivity and improved alignment with organizational goals
- Oversaw daily quality checks for dispositioned Suspicious Account Monitoring (SAM) alerts, ensuring 100% adherence to compliance and operational standards
- Developed a feedback loop that enhanced the accuracy of case resolutions and analyst performance
- Drafted and submitted over 150 comprehensive Suspicious Transaction Reports (STRs) within stringent deadlines, earning commendations from regulatory bodies for the clarity and thoroughness of submissions
- Introduced process improvement initiatives that reduced review turnaround times by 20%, fostering a more agile and efficient investigative framework
- Facilitated training sessions and workshops, resulting in a more proficient team capable of adapting to evolving AML challenges
- This comprehensive leadership approach has positioned the FIU team as a key driver of UnionDigital Bank’s compliance excellence and operational resilience
Sr. Remediation Specialist (Transaction Monitoring, Lookback, AML, FEC Detection)
ING Business Shared Services, B.V. Branch (ING Bank)
Taguig, City
01.2021 - 01.2023
- Demonstrated expertise in supporting all TM Remediation Funnel processes, with a primary focus on retroactive activity reviews (Lookback) to identify potential risks and ensure compliance
- Played a key role in global and regional projects, conducting in-depth investigations by gathering and analyzing data from internal systems, external databases, and compliance inquiries
- Successfully completed the alert remediation project for ING Philippines, efficiently reviewing and dispositioning all alerts ahead of the deadline, showcasing exceptional time management and analytical skills
- Delivered actionable findings through detailed presentations to senior management and compliance teams, contributing to enhanced regulatory adherence and operational excellence
Risk Investigator (Transaction Monitoring, KYC, CDD/EDD, and Risk Assessment)
Remitly Inc.
Mandaluyong, City
02.2019 - 01.2021
- Executed end-to-end investigations encompassing customer onboarding, transactional review, and ongoing monitoring, ensuring compliance with regulatory standards
- Proactively monitored real-time queues, identifying and mitigating high-risk transactions within the business portfolio
- Conducted thorough KYC processes, including document collection and analysis, to verify customer identities and maintain integrity in onboarding
- Identified unusual patterns and activities suggestive of money laundering, contributing to the early detection of financial crimes and safeguarding the organization against potential risks
Senior Risk Analyst (Fraud Scenario Detection, KYC, CDD)
AEON
Quezon, City
10.2013 - 11.2018
- Led the investigation and assessment of organizational tools to detect and mitigate fraud scenarios, providing strategic recommendations to reduce financial losses effectively
- Developed and implemented loss-reduction techniques, significantly enhancing risk management practices
- Conducted regular coaching and feedback for a team of 15 Risk and Fraud Management members, fostering skill development and ensuring consistent performance
Risk Analyst (Fraud Scenario Detection, KYC, CDD)
AEON
Quezon,City
08.2012 - 10.2013
- Executed detailed detection, monitoring, and mitigation of accounts exhibiting fraud, money laundering, and exploitation indicators
- Identified and analyzed linked accounts and syndicates using login data, activity patterns, and attributes, contributing to the understanding of fraudulent client methodologies and strengthening organizational defenses
Segment Producer
ABC Development Corporation (TV5)
Quezon, City
07.2011 - 07.2012
- Developed and executed creative concepts, episode formats, and scripts, ensuring engaging and high-quality TV program content
- Directed field productions and supervised post-production editing to maintain program standards
- Conducted comprehensive research and due diligence for case studies, delivering accurate and concise information to support production needs
- Successfully sourced contributors, established contacts, and verified key details, enhancing the overall quality and credibility of television productions
Barista
Starbucks Philippines
Makati, City
11.2010 - 06.2011
- Responsible for maintaining good customer relations by preparing and serving different kinds of espresso beverages and attending to other customer concerns
Level 2 Technical Support Representative
Sykes Asia Incorporated
Makati, City
03.2009 - 09.2010
- Assisted customers in using the product efficiently
- Analyzed product incident reports and takes appropriate actions
- Took escalated client calls
Education
Bachelor in Broadcast Communication
Polytechnic University of The Philippines
Sta. Mesa, Manila 04.2001 -
Skills
Customer due diligence
Suspicious activity reporting
Sanctions screening
Expert in navigating KYC, Fraud Prevention and AML Tools such as Lexis Nexis, Sift Science, Kount, RDC, World Check, Onfido,Actimize
Knowledgeable in MS Office Tools
Certification
Certified Transaction Monitoring Associate
Timeline
FIU Lead (Transaction Monitoring, AML, FEC Detection)
UnionDigital Bank
01.2023 - Current
Certified Transaction Monitoring Associate
12-2021
Sr. Remediation Specialist (Transaction Monitoring, Lookback, AML, FEC Detection)
ING Business Shared Services, B.V. Branch (ING Bank)
01.2021 - 01.2023
Risk Investigator (Transaction Monitoring, KYC, CDD/EDD, and Risk Assessment)
Remitly Inc.
02.2019 - 01.2021
Senior Risk Analyst (Fraud Scenario Detection, KYC, CDD)
AEON
10.2013 - 11.2018
Risk Analyst (Fraud Scenario Detection, KYC, CDD)
AEON
08.2012 - 10.2013
Segment Producer
ABC Development Corporation (TV5)
07.2011 - 07.2012
Barista
Starbucks Philippines
11.2010 - 06.2011
Level 2 Technical Support Representative
Sykes Asia Incorporated
03.2009 - 09.2010
Bachelor in Broadcast Communication
Polytechnic University of The Philippines
04.2001 -