Chatered Building Societies Institute, Banking @
Institute of Chartered Banking
Senior Professional with over 30 years’ experience and includes working for a number of Blue Chip organisations (including the Halifax, Lloyds and State bank Of India). Areas of expertise and knowledge include AML, ABC, Risk Management, Regulation & Compliance and Auditing (Performance & Financial). Currently MLRO and Date Protection Officer. Possessing extensive knowledge of the Banking &
Senior Professional with over 30 years’ experience and includes working for a number of Blue Chip organisations (including the Halifax, Lloyds and State bank Of India). Areas of expertise and knowledge include AML, ABC, Risk Management, Regulation & Compliance and Auditing (Performance & Financial). Currently MLRO and Date Protection Officer. Possessing extensive knowledge of the Banking & Finance /Loan Industry combined with excellent communication and stakeholder management skills.
Experienced Leader, presently managing a Compliance Team for the whole Bank. Skilled in achieving exceptional business results in a challenging environment; using my own initiative, with excellent customer service while working to tight deadlines.
Specialist knowledge includes being the Data Protection Officer, Money Laundering Reporting Officer and responded to all queries from the Information Commissioner. Responsible for undertaking training on regulatory requirements such as, DPA/AML/TCF/FATCA.
CF11 for State Bank of India-Head Compliance for the Bank. Responsible for all Compliance policies and High Risk Due Diligence in Trade/ Credit. Responsibility for compliance sign off on new retail policies and procedures in SBI.
Knowledge of SYSC Controls and understanding PRA/FCA requirements
Knowledge of Conduct risk, Operational risk, Arrears and Possessions control, Financial and Regulatory control.
Specialties: Developing People- Responsible for training of risk consultants, Undertaking Statutory Training with all colleagues. Sales and customer management,
Conduct Risk- TCF, Irresponsible Lending Customer Charter and Oversight of Sellers/debt collectors
Regulatory Responsibility- DPA/AML/ABC/ICO/BCOB/MCOB/FATCA.
Relationships Building- working within Regional and Area structure. Influencing policy decisions with the CEO and stakeholder management.
Head of Compliance @ Head of the Compliance Team for the Bank and MLRO (CF11) and CF10
Financial Crime covering, On-Boarding, Risk Rating, Sanctions, AML-CDD/EDD/ SAR's,
DPO- Data Protection Officer for the Bank
FATCA Nodal Officer
Retail Branch Monitoring, Lending
Institute of Risk Management- Certificate passed with Distinction -Sept 2014
Undertaking ACAM's From September 2013 to Present (2 years 4 months) London, United KingdomCompliance Manager @ As Compliance Officer for the whole company-over 100 employees. I had responsibiity for the preparation and execution of the Compliance Plan, including undertaking compliance reporting on both short term lending, underwriting policy, collections activities.
Responsible for training all staff on AML/ Anti Bribery/ DPA/ Complaints.
Act as both the Data Protection Officer and Money Laundering Reporting Officer.
Passed CEMAP From October 2012 to March 2013 (6 months) Ipswich, United KingdomRisk Consultant @ Achievement of exceptional results in managing Mortgages,Loans Banking, Savings,the risk elements in branches for conduct risk, AML,operational, change and regulatory Risk activities in Halifax Bank in East Anglia/ Essex.
Undertook major projects involving transformation of procedures and policies affecting customers when Lloyds took over Halifax bank- arranged, undertook and followed up upon projects,including business re-engineering on mortgages, with succesful completion.
Subject expert on Complaints management. From September 2010 to April 2012 (1 year 8 months) Regional Compliance Manager @ The Control of 9 Area Risk Consultants and 70 bank branches in all aspects of sales performance,conduct, regulatory, and operational risk. Achieved 'Green' external Audit covering all
Qualified to undertake Conduct Risk reviews and thematic checks on regulatory requirements-MCOB/BCOB/ICOB throughout East Anglia.
The management of the Financial Budget in all Non Remuneration areas. From December 2007 to September 2010 (2 years 10 months) Mortgage Sales Quality Coach @ Oversight of the Mortgage Advisors in London including sales compliancy, training, induction and specialised lending in Buy to Let, Pension Mortgages.
Worked with the 10 Area Mortgage Managers to achieve exceptional Mortgage Business results From April 2007 to December 2007 (9 months) London, United KingdomDistrict Branch Manager @ Responsibility for 4 Branches in Essex for Sales, Service, Risk and people From July 1999 to April 2007 (7 years 10 months) Business Centre Manager @ Responsible for over 100 colleagues carrying out business improvements in managing relations with customers in new and existing business. Including mortgage underwriting and arrears collections dept From August 1990 to July 1999 (9 years) Colchester, United KingdomPrivate Banking Manager @ From 1988 to 1990 (2 years)
Professional Diploma in Management, Management, Diploma @ The Open University From 1996 to 1999 Chatered Building Societies Institute, Banking, Fellow @ Institute of Chartered Banking From 1985 to 1987 OND, Business Studies, Diploma @ Kings Lynn Technical Colleage From 1972 to 1974 Keith Howlett is skilled in: Professional Banker, Financial Reporting, Customer Relations, Business Management, Problem Solving, Security Management, A Coach and Leader of People, Change Management, Disciplinary Actions, Influential, Financial Risk, Customer Service, Management, Financial Services, Retail Banking
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