Financial Crime Services Banking & Financial Institutions

Financial 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 institutions.

While the global financial sector is experiencing the regulators soto-soto approaches to both encourage promotionof professional standards it is being careful not to restrict banking commercial activities unnecessarily which in turncould harm economic growth.

Regulated 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 excellence.

The UK Bribery Act (2010) has passed its 1-year anniversary there are a plethora of cases arising from the internationalmarkets where British firms conduct business.

The 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 fraud.

Our latest service designed for MLROs is Red ChairTM , a dial-in service to provide discreet, prompt informationwhen they need to know something now. Available by the hour, without the need for a contract or retainer, it hasbecome one of our most popular offerings to date.

And 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 Masterclass training to the ACAMS certificate, the CharteredInstitute of Securities and Investments Combatting Financial Crime certificate and InMarkets affordable, bespokeAML e-learning tool currently available in 16 different languages and customised to any global jurisdiction.

Whether yours is a global player or small-to-medium sized enterprise our experts are here to ensure youcan respond with confidence in your own defense when a regulator calls you in. 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 soon.

Dennis CoxChief Executive Officer

CEOs Message

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For more information please visit www.riskrewardlimited.comemail: info@riskrewardlimited.com or telephone +44 (0) 20 7638 5558.

Our business offers a wide range of consultancyand training services delivered by a pool of over600 consultants. 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 owncareers.

We are the official training providers for:

n Association of Certified Anti-MoneyLaundering Specialists (ACAMS)

n The Chartered Insurance Institute (CII)

n The Chartered Institute for Securitiesand Investment (CISI)

n The Institute of Chartered Accountantsin England & Wales (ICAEW)

n Chartered Institue of Internal Auditors(IIA)

n The Professional Risk ManagersInternational Association (PRMIA)

and conduct training to a wide variety ofaccredited and certified programmes andqualifications.

To date we have helped over 500 banks andfinancial institutions, including central banks, totrain and improve the performance of their staff.Our trainers and courses are considered to beamong the best in the industry.

Risk Reward Limited x About UsEstablished in 2002 Risk Reward is a leading supplier of advisory and training servicesto the banking, financial and corporate sectors in developed and emerging markets.Our 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.

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AfricaAfrican Banking CorporationBanque africaine de dveloppement 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)Dveloppement 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)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 CommercialBanks

Banco de SabadellBanco Santander Totta

Bank Julius Baer & Co Bank Mandiri Ltd (Cyprus)Bank of Bermuda (Luxembourg)Bank of ChinaBank of England (UK)Bank of IrelandBank of Montreal Bank Saderat plcBank Sepah International plcBanco Internacional Do Funchal S.A.Barclays 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)

Santander BankSocit GnraleStandard Chartered Bank (UK)Swedbank (Sweden)

The Bank of Tokyo Mitsubishi UFJ LtdThe Royal Bank of Scotland PlcTotal Solutions (Netherlands, Dubai)Unisys (UK)Yorkshire Building Society

Middle EastAbu Dhabi Audit AuthorityAbu Dhabi Centre for CorporateGovernance

Abu 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 Finance

Bank 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 Assurance

First Gulf Bank (Dubai)Fleming Gulf (Dubai)Fransabank (Lebanon)Global Investment Bank (Kuwait)Institute of Banking Studies (Jordan)Institute of Banking Studies (Kuwait)Investments Emirates Intl Investment Co

Islamic 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)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 Plc

Monetary 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 ASAEnbridge 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. Thurston Accounting & AdvisoryMISMitsubishi UFJ Trust & BankingMizuho Corporate BankMorgan StanleyMutual of OmahaNew York Community BankNorthern TrustOppenheimer FundsPetroleos MexicanosProtivitiProvident BankRabobankResource BankRidgewood Savings BankSignature BankState StreetSterling Savings BankSvenska Handelsbanken (New York)TD BankValley National Bank

Global Markets & Clients

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Financial Crime Services

Financial Crime, Money Launderingand Deterrence Services

All institutions are trying to maintain theirreputation and reduce unnecessary losses. Moneylaunderers target financial institutions to disguisethe source of their funds. When an institution isfound to have unwittingly supported a moneylaunderer they suffer financial and reputationalloss, apart from the potential for regulatory action.

It is important for all firms to do what couldreasonably be expected of them to both identifyand deter all financial crime. To assist firms in thisarea, Risk Reward Limited offers a range of highlyprofessional, completely independent, discreteand confidential financial crime deterrent services.

Professional Services Aligned toYour Needs

It is important to recognise the all crimes elementand not just focus on the application of proceduresto identify, detect and report suspicions of drugtrafficking, for example. Money laundering ismuch more than that and in the UK in particularhas been extended to address the reporting andmonitoring of the proceeds of all criminal activitywherever committed (with minor exceptions). RiskReward financial crime experts can assist you in arange of ways from deciding upon the systems thatyou wish to employ to actually conducting detailedinvestigations.

n Bribery

n Counter-terrorist Financing

n Compliance

n Data Systems and DataMining

n Due Diligence

n Fraud

n Internal Investigations

n National Strategic

n PEPs (Politically ExposedPersons)

n Regional and GlobalFrameworks andImplementation

n Reporting

n Rogue Trading & InsiderDealing

n Suspicious Activities

n Whistleblowers

Risk Reward offers a wide range of services specially tailored to meet the needs ofanti financial crime functions operating in the financial services industry around theglobe. Our aim is to work with clients to make this critical control function truly bestin class.

n Prepare for a visit and respond to IMF/FATF/World Bank Assessment orMutual Evaluation peer review from FSRB

n Work with government institutions, national coordination committee or private sectorrepresentative to address strategic deficiencies in AML/CFT framework andbuild up an action plan to work towards full compliance with the internationalstandards

n Conduct independent forensic investigation of fraud, money laundering,corruption or alleged breach of regulation for regulators

n Review of AML/CFT measures in banks and financial institutions on behalfof regulators

n Provide independent review of a complaint about financial institutions orregulatory authority

n Develop comprehensive AML/CFT on-site and off-site inspection manualfor regulators and FIUs

n Develop national AML/CFT strategy with detailed action plan addressing thevulnerabilities and a matrix of shared responsibilities to implement the strategysuccessfully

n Develop a comprehensive AML/CFT investigation manual for use by law-enforcement and prosecutors to ensure successful investigation.

n Work with regulators and FIUs to develop sector specific guidance andspecialised area guidance for financial institution and DNFBP (DesignatedNon-Financial Businesses and Professions). Guidance on MLRO, PEP, Transfer,Risk-based approach and appropriate policies, procedures and controls to complywith AML/CFT legislation

n Develop methodologies to collect, collate, analyse, review and interpretlarge volume of financial and non-financial information to help to identifyjurisdictional, product-related, service-related and client related risks.

Regulators and Government AgenciesSpecialised AML/CFT and Financial Crime Services to Government Agencies,Regulatory Authorities, Financial Intelligence Unit:

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Advisory Services

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n Carrying out Financial Crime Risk Assessments, advising on systems andcontrols to manage or counter these risks and drawing up Action Plans toimplement the required systems and controls

n Developing risk-based policies and structures by working with SeniorManagement to decide upon the objectives and definitions appropriate for the inthe area of money laundering deterrence and other financial crime

n The implementation of reporting investigation policies and procedures

n The implementation of money laundering and financial crime deterrenceawareness and/or training programmes

n Fast-tracking advisory services for responses to post-regulatory redletters and practical solutions required to demonstrate to the regulator that yourorganisation is taking advise to rectify the caution

n Auditing or risk reviewing clients anti-financial crime systems andcontrols, presenting reports to Audit Committee and/or the Board as appropriate

n Making presentations to Boards and/or Senior Management on the UK (orother jurisdiction) anti-financial crime regime and latest developments

n Software selection and implementation and the extent to which they are likelyto identify the suspicious transactions whilst avoiding false positives

n Assisting with the implementation and testing of new software, includingwhere appropriate the design of new scenarios and methodologies that leveragefrom the existing solutions

n The investigation of specific cases of potential money laundering, fraud orother financial crime, primarily to identify additional controls that could beimplemented

n Undertaking specific bespoke reviews of a firms compliance with UK andInternational Sanctions requirements

n Specific Induction and Advanced training for Money Laundering ReportingOfficers (MLRO) and Nominated Officers (NO)

n Undertaking S166 Skilled Person reports for FSA authorised firms

n Provide forensic review/audit of financial crime system for SeniorManagement and Audit Committee.

Banks, Insurers and FinancialInstitutionsExpertise, practical experience and know-how, combined with service excellence, rapidresponse and good value for money

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If you do not find the course you are looking for, please visit www.riskrewardlimited.com orcontact Laura Luque Nadal at LLN@riskrewardlimited.com or telephone +44 (0)20 7638 5558.

Risk Reward is one of the leading providers oftop quality financial crime training in the world.We have successfully provided financial servicestraining to more than 500 institutions including banks,insurance companies, central banks, external auditfirms and national regulators.

We have a vast library of courses covering almostevery aspect of financial services. Each course iscustomized to the specific needs of our clients. We areready to travel anywhere in the world to delivertraining or, alternatively, we can host clients at ourexcellent training facilities in the heart of London.

There are no restrictions to group size other than cost.We have expert trainers who have the specialist skillsto deliver knowledge transfer in a variety of non-traditional formats, including 1:1 for seniormanagement and Board level executives or tohundreds of delegates over more than one day. Inaddition we also provide e-learnng and assesments forregulators.

We add value to all of our training projects from thefirst instance by offering a host of complimentaryservices such as:

3 Conference calls with you to determine yourbusiness goals and preferred training formats

3 Account Manager to offer you full support andadvice and to ensure that all your requirementsare met efficiently

3 Professional, friendly and prompt responseto your enquiries

3 Customised course outlines and coursematerials to meet with your organisations ordepartments specific needs

3 Questionnaires created with your teams todetermine delegates levels and depth of subjectknowledge pre-training

3 Evaluation forms prepared for delegates post-training

3 Post-training diagnostic, analytical andreporting services and conference calls

3 Complimentary email Question & Answerservices to the trainer from the delegates for 3months

Training Services Adding value toyour business

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Accredited Training Courses

For more information about ACAMS training courses please contact us atACAMS@riskrewardlimited.com or telephone +44 (0) 20 7638 5558. For details on the ACAMSqualification please visit www.acams.org

Association of Certified Anti-Money Laundering Specialists(ACAMS)

Risk Reward is delighted to be able to off er training services for the Association of Certified Anti-MoneyLaundering Specialists (ACAMS) to deliver a series of training courses in preparation of the CAMS examinationto appropriate Anti-Money Laundering Professionals. This credential is the most respected certification in theindustry and is recognized worldwide by employers in both private industry and government.

The 3-day course is designed to advance the professional knowledge, skills and experience of those dedicatedto the detection and prevention of money laundering around the world, promote the development andimplementation of sound anti-money laundering policies and procedures and prepare eligible candidates to sitthe CAMS examination.

The course will cover:

n Risk and methods of money laundering and terrorist financingn Compliance standards for anti-money laundering and

combating the financing of terrorismn Anti-Money Laundering compliance programmesn Conducting or supporting the investigation process

The course is suitable for:

n Anti-Money Laundering Officers (MLROs)n Financial Crime Managersn Compliance Officersn Government Regulatorsn Law Enforcement/ Intelligence

Agentsn Internal & External Auditorsn Intelligence Officersn Risk Management Specialistsn Attorneys and Certified Public

Accountantsn Investment Advisorsn Real Estate Compliance Specialistsn Consultants

The mission ofACAMS is to advance theprofessional knowledge, skills and experienceof those dedicated to the detection and prevention ofmoney laundering around the world and to promote thedevelopment and implementation of sound anti-moneylaundering policies and procedures.

The price per delegate is 2495.00 for the 3-dayprogramme (+VAT for UK courses).If you decideto send more than 2 delegatesfrom one company you willreceive a 15% discount perperson.

Please remember to budget$1500 for materials andexam fee.

Save up to with in-

house training.

Please contact u

s

for details.

20%

Accredited Training Courses

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For more information about ACAMS training courses please contact us atACAMS@riskrewardlimited.com or telephone +44 (0) 20 7638 5558. For details on the ACAMSqualification please visit www.acams.org

2013 Global Public Course dates ACAMSLondon Feb 25-27 Jun 17-19 Sep 16-18 Nov 11-14Abuja Jan 7-9 Apr 8-10 Aug 12-14 Oct 22-24Accra Mar 11-13 Apr 15-17 Aug 19-21 Oct 7-9Addis Ababa Mar 4-6 May 7-9 Aug 26-28 Oct 14-16Amsterdam Feb 11-13 Apr 22-24 Jul 1-3 Oct 1-3Athens Feb 18-20 May 13-15 Aug 19-21 Oct 7-9Barcelona Jan 21-23 May 13-15 Aug 26-29 Nov 18-20Belgrade Mar 4-6 Apr 15-17 Sep 9-11 Nov 25-27Bratislava Feb 18-20 Jun 10-12 Aug 12-14 Oct 7-9Brussels Mar 18-20 Apr 8-10 Jul 2-4 Oct 21-23Bucharest Mar 4-6 Jun 17-19 Aug 26-28 Nov 4-6Cairo Feb 7-9 Apr 21-23 Aug 31-Sept 2 Nov 18-20Casablanca Feb 4-6 Apr 22-24 Sep 9-11 Oct 28-30Copenhagen Mar 4-6 Apr 16-18 Aug 12-14 Nov 11-13Daker Jan 28-30 Jun 10-12 Sep 16-18 Nov 4-6Dar es Salaam Feb 11-13 Jun 17-19 Sep 23-25 Nov 11-13Dubai Feb 10-12 May 27-29 Sep 22-24 Nov 10-12Frankfurt Jan 15-17 Jun 3-5 Aug 26-28 Nov 4-6Geneva Feb 6-8 Jun 10-12 Jul 1-3 Nov 25-27Istanbul Mar 18-20 Jun 11-13 Jul 1-3 Nov 12-14Johannesburg Feb 18-20 Apr 22-24 Aug 12-14 Nov 5-7Lagos Feb 10-12 May 27-29 Sep 22-24 Nov 10-12Lisbon Jan 14-16 Apr 30-May 2 Sep 2-4 Oct 7-9Luxemburg Jan 8-9 Apr 15-17 Sep 9-11 Oct 14-16Madrid Feb 11-13 Jun 10-12 Jul 2-4 Oct 21-23Maputo Mar 12-14 Jun 11-13 Jul 3-5 Dec 3-5Milan Mar 12-14 May 20-22 Sep 10-12 Nov 5-7Paris Jan 22-24 Jun 17-19 Sep 17-19 Nov 12-14Port Louis Feb 19-21 Apr 16-18 Sep 9-11 Dec 10-12Pristina Mar 18-20 May 14-16 Sep 16-18 Nov 18-20Nairobi Jan 21-23 Jun 17-19 Jul 1-3 Nov 6-8Rome Feb 19-21 May 7-9 Sep 23-25 Oct 8-10Sophia Jan 14-16 Jun 24-26 Jul 1-3 Nov 25-27Stockholm Feb 4-6 Apr 22-24 Sep 24-26 Dec 2-4Tirana Jan 28-30 May 20-22 Sep 9-11 Nov 5-7Tunis Feb 19-21 Apr 16-18 Sep 9-11 Dec 10-12Valetta Mar 11-13 May 13-15 Jul 3-5 Nov 25-27Vienna Jan 21-23 Apr 15-17 Sep 9-11 Oct 7-9Warsaw Mar 11-13 Jun 10-12 Sep 23-25 Nov 18-20Zagreb Mar 11-13 Jun 3-5 Jul 1-3 Oct 21-23Zurich Mar 5-7 Jun 4-6 Aug 28-30 Oct 15-17

Alternative dates and locations are available. Please contact us for further information.

Accredited Training Courses

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For more information about training to CISI qualifications, certificates and Diplomas, or to bookor ask for an in-house option, please contact us at CISI@riskrewardlimited.com or telephone+44 (0)20 7638 5558.

Chartered Institute for Securities & Investment (CISI)

The CISI is the UKs largest and most widely respected professional body forthe Securities and Investment industry. CISI Certificates are included in theUKs Financial Services Skills Councils list of Appropriate Examinations andare recognised for all major activities.

Formed in 1992 by London Stock Exchange practitioners, the CISI now hasmore than 40,000 members in 89 countries. In the past year, almost 40,000examinations were sat in 49 countries, covering a range of vocationalqualifications.

More and more regulators, banks, stock exchanges, and brokerage housesare increasingly seeking to respond to stresses and pressures to maintainhigh levels of professionalism, integrity and competence especially wheninteracting with retail consumers. Training to internationally recognisedand respected standards is among those responses, whether seasonedprofessionals, recent market entrants or new graduates.

Risk Reward has been delivering successful training solutions to CISIcertificates in the UK/Europe, Africa and the Middle Eastsince 2009. Known for our high-quality, 20+ years industryexperienced trainers, our training courses focus onlearning, comprehension and application to roles, jobs andfunctions currently in demand in the real-world.

2013 Public Courses

Combating Financial Crime

This 4-day programme is delivered globally by majorinstitution financial crime professionals and willcover:n The Background and Nature of Financial Crime n Combating Financial Crime n Predicate Offences n Money Laundering n Terrorist Financing n Corruption n Bribery n The Role of the Private SectorLondon Sept 24-26 Dec 3-5Budapest July 23-25 Oct 15-16Istanbul June 11-13 Oct 8-10Singapore August 20-22 Nov 26-28

Global Financial Compliance

This 4 day programme is delivered by majorinstitution compliance professionals and will cover:n The international regulatory environment n The compliance function n Managing the risk of financial crime n Ethics, integrity and fairness n Governance, risk management and complianceLondon Sept 4-6 Nov 19-21Budapest Aug 20-22 Nov 19-21Istanbul July 9-11 Nov 12-14Singapore Jun 25-27 Oct 1-3

For Public Courses all prices include CISIRegistration and Study Guides/e-LearningMock Exam access. Assessments are eithercomputer-based testing in designated centresworldwide or written papers (Diplomas). In-house training is also an efficient andsignificantly cost-effective means to qualifyan entire department, team or cross-bordergroup function within your organisation.

The courses are also available in other locations and dates.

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e-Learning

How we can help you?

Risk Reward has used its unrivalled knowledge offinancial crime prevention in combination withproven and effective learning design technologyto offer an engaging e-Learning experience.

The key to effective training is relevance. RiskReward works closely with its clients to ensure thatthe content of the training is relevant to the actualbusiness activity of the learner. The contenttherefore covers the learners individual obligations,whilst putting them in the wider context of thebusiness specific financial crime vulnerabilities.

The e-Learning portal is a web-based, fully hosted,scalable solution. All training can be accessed viathe internet without the need for the installation ofany software. The homepage can be customisedto include your branding.

Why choose our financial crime e-Learning?

n Tailored training coursesn Unrivalled subject matter expertisen Jurisdiction and sector specific trainingn Management information handled by expertsn Courses feature case studies relevant to

specific staff groups within your industry sectorn Full reporting suiten Refresher delivery option available n Competitively pricedn Available in your language

Management Information to Manage Risk

The e-Learnings sophisticated reporting andtracking engine does more than just ensure thatyou tick the regulatory box. It allows detailedanalysis of the answer given by your staff duringassessments so that you get real managementinformation enabling you to make proper riskmanagement decisions.

Our client support team takes the stress out ofmonitoring. We will provide you complete learnerreports, notifying you of those who have notsuccessfully passed or not attempted courses, andreminding your staff where they need to completea course.

Customer Excellence and Value for Money

Risk Reward is known for its high qualitydeliverables, customer service excellence andgood value for money.

Our e-Learning suite of courses, while completelycustomised for each organisation and jurisdiction,is very competitive. This is because all of thecomponents of these e-learning courses areowned 100% vertically: content; expertise to tailorthe content; authoring and development tools totailor the training to your procedures andexposures and the delivery.

Tailored compliance and regulatory e-Learning that reflects your exposures andyour business needs in any jurisdiction

What is e-Learning? e-Learning refers to the use of electronic technologies todeliver, facilitate and enhance both formal and informal learning and knowledgesharing at any time, any place and at any pace. Such tools include the Computer,Internet and their applications including CD-ROM, E-mail, Web sites, and multimedia..(World Bank)

e-Learning Courses

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Financial CrimeOur e-Learning AML suite of courses, whichare completely customised for eachorganisation and jurisdiction, is verycompetitive. This is because all of thecomponents of these e-learning courses areowned 100% vertically: content; expertise totailor the content; authoring anddevelopment tools to tailor the training toyour procedures and exposures and thedelivery.The e-Learning portal is a web-based, fully hosted, scalable solution. Alltraining can be accessed via the internetwithout the need for the installation of anysoftware. The homepage can be customisedto include your branding.

e-Learning AML ModulesEFC001 AML/CTF for Accountants EFC002 AML/CTF for Asset and Wealth

ManagementEFC003 AML/CTF for Bank StaffEFC004 AML/CTF for Card ServicesEFC005 AML/CTF for ClearingEFC006 AML/CTF for Corporate FinanceEFC007 AML/CTF for Correspondent

BankingEFC008 AML/CTF for Financial ServicesEFC009 AML/CTF for Foreign Exchange

CompaniesEFC010 AML/CTF for Front OfficeEFC011 AML/CTF for Frontline StaffEFC012 AML/CTF for Fund

AdministrationEFC013 AML/CTF for Fund

ManagementEFC014 AML/CTF for Gaming

CompaniesEFC015 AML/CTF for High Value

DealersEFC016 AML/CTF for Independent

Financial AdvisersEFC017 AML/CTF for the Insurance

SectorEFC018 AML/CTF for Investment

BankingEFC019 AML/CTF for Investment FirmsEFC020 AML/CTF for Legal MLROsEFC021 AML/CTF for ManagementEFC022 AML/CTF for Money Service

BusinessesEFC023 AML/CTF for Mortgage

ProvidersEFC024 AML/CTF for Operational

ServicesEFC025 AML/CTF for Private BankingEFC026 AML/CTF for Retail Banking

EFC027 AML/CTF for StockbrokingEFC028 AML/CTF for Trade FinanceEFC029 AML/CTF for Trust and

Company BusinessEFC030 AML/CTF for Venture CapitalistsEFC031 AML/CTF for Wealth

ManagementEFC032 AML/CTF Obligations for

Non-Executive DirectorsEFC033 AML/CTF Risks and Due

Diligence Course

EFC034 Anti Bribery and Corruption Training

EFC035 Anti Bribery and Corruption Training for Higher

EFC036 Anti Fraud, Bribery andCorruption Training

EFC037 Corporate Governance for Senior Management

EFC038 Cross Border Activities Regulatory Training

EFC039 Data Protection and Information Security

EFC040 Data Transfer (Information Security)

EFC041 Financial Crime AwarenessTraining for Support Staff

EFC042 Financial Crime AwarenessTraining for Trusts

EFC043 Financial Crime TrainingEFC044 Fraud Awareness & PreventionEFC045 FSA Compliant BusinessEFC046 Gaming Law and Licensing

RequirementsEFC047 Information Classification

CourseEFC048 Information Security CourseEFC049 Introduction to Regulation

CourseEFC050 Managing Conflict Risks CourseEFC051 Market Abuse CourseEFC052 Remote Working

(information security)EFC053 Responsible GamingEFC054 Senior Management ObligationsEFC055 Treating Customers FairlyEFC056 Treating Customers Fairly

and Complaint

Risk ManagementRisk Management and DerivativesProfession e-Learning modules have beenresearched and developed independentlyand designed to enhance your professionalskills. Modules can be purchased from a widerange of topics.

Key highlights: Courses can be completed in your owntime and pace to fit in with your work

Work can be saved enabling you to stopand continue when ready

The system tracks your progress to helpyou understand your learningdevelopment

Complete interactive exercisesthroughout the courses and finish with atest

When completed successfully, you willreceive a certificate and CPD pointswhich will demonstrate your careerdevelopment and achievements

e-Learning Modules for Banks andFinancial Institutions

Regulation and Compliance 49 eachERC001 Approved PersonsERC002 Bribery & CorruptionERC003 Capital Adequacy RegulationsERC004 Combating Money Laundering

& Terrorist FinancingERC005 Conduct of Business: Client

RelationshipsERC006 Conflicts of InterestERC007 Data Protection ActERC008 Fraud & Market AbuseERC009 Information SecurityERC010 Markets in Financial Instruments

Directive (MiFID)ERC0011 Treating Customers Fairly (TCF)

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If you do not find the course you are looking for, please visit www.riskrewardlimited.com orcontact Laura Luque Nadal at LLN@riskrewardlimited.com or telephone +44 (0)20 7638 5558.

Anti-Bribery and Corruption Controls FC001

Anti-Money Laundering FC026

Anti-Money Laundering Briefing for LegalProfessionals FC003

Anti Money Laundering and Counterfeit Currency FC033

Anti-Money Laundering for Private Banking and Wealth Management FC004

Anti-Money Laundering and Terrorist Financing FC002

Auditing Financial Crime Regimes FC005

Bribery Act 2010 (UK) FC006

Bribery and Corruption FC007

ACAMS Certified Anti-Money Laundering FC000

CISI Combating Financial Crime FC008

Counter Terrorist Financing FC032

Data Protection FC029

FATF FC009

Fraud Awareness for Banking Supervisors and Regulators FC025

Fraud for Bank Internal Auditors FC010

Fraud Detection, Prevention and Resolution FC016

Fraud and Forensic Investigation FC031

Fraud Risk Management FC024

Fraud Workshop FC027

CISI Global Financial Compliance FC028

International Sanctions and Counter Proliferation FC011

Market Abuse FC012

Market Abuse and Insider Dealing FC013

Money Laundering, Deterrence and Know Your Customers Controls and Compliance BNK030

Money Laundering and Financial Crime Deterrence FC014

OFAC Sanctions FC015

Practical Workshop in Regulation and Compliance FC017

Preparing for Dawn Raids and Regulatory Reviews FC018

Preventing, Detecting and Investigating Financial Crime FC019

Risk-Based Anti-Money Laundering for NOs and MLROs FC022

Risk Management of Financial Crime FC020

Risk Management of International SanctionsBreaches FC021

Treating Your Customer Fairly FC030

Understanding Money Laundering Deterrence FC023

In-house Training CoursesRisk Reward has been undertaking financial crime training, both in-house and publiccourses, for many years focusing on the following areas:

2013 Financial Crime Courses

We deliver training to banks, regulators and insurers across the world via trusted and reputable affiliates includinggovernment training centres, training companies and directly on an in-house basis.

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The Financial Crime Academy: Executive SummaryFinancial crime is a major global topic, with criminalsemploying ever more sophisticated techniques to evadethe security measures implemented at national level andultimately cost the economy substantial amounts ofmoney, both in terms of lost revenue and GDP as wellas the costs of tracking andprosecuting offenders. Withbold public statements incombating financial crimebeing made in the regionalmedia, financial crimecompliance has never been asimportant to the security anddefence sector as it is today.

Why now?Financial crime is gettingworse. The players arechanging as is the scale andglobal footprint. Changingtechnology affords bothsuccessful business solutionsand business destroying cyberthreats.

Anti-money laundering, fraud, rogue trading and insiderdealing are wreaking havoc with banks and financialinstitutions, corporations, the careers of their seniormanagement and share prices.

Our experts know about the challenges our clients andothers face which appear in the headlines of the financialpapers worldwide daily. They also know there is evengreater demand now for an ethics basedmultidisciplinary AML, ABC, fraud, CFT,olicing/investigations programme as both private andpublic sector training budgets are being cut andgovernment training centres dissolved.

New approaches and learning technology are neededto raise management and staff awareness and teachpractical skills and techniques to combat financial crime.Money Laundering Reporting Officers, Heads ofCompliance and annual e-learning modules for generalstaff are challenged to deliver the needs of forward-thinking banks and other financial institutions toindentify, mitigate and risk manage financial crime.

There is never a more urgent time than the continuingglobal financial crisis to fill the gaps in training toprofessional qualifications towards ethical internationalfinancial crime prevention, detection, investigation anddeterrence in the banking and financial services sectors.

Who is it for?The City of London Financial Crime Academy isdesigned for learning by all levels and job roles within

the banking and financial services sector, regulators,legal, accountancy and law enforcement professionals,specialist consultants, journalists and software andtechnology firms in any legal jurisdiction, worldwide.

The Academy is designed to ensure vital and relevantlearning takes place from the doorman to the Chairman

within a commercial organisationas well as talent developmentwithin the professional servicesand law enforcement sectors.

Public sector training academiesworldwide can participate inand/or partner with the City ofLondon Financial CrimeAcademy to add accreditedtraining to qualificationsprogrammes as part of their ownacademies adapted to theirjurisdictions.

Core Curriculum andSpecialist LearningPathwaysThe City of London Financial

Crime Academy has been designed by practitioners,professional bodies and regulators to ensure variouslevels of training and competency can be demonstratedand tested (and reported) by the relevant regulators.The Financial Crime Academy therefore is credible toissue its own completion certificates and within theminternationally recognised professional qualifications.

Currently there are four main Learning Pathways:

n Essentials of Financial Crimen Financial Crime Professionaln Financial Crime Specialist n Financial Crime Expert

Each Learning Pathway is designed to allow for variousJob Roles/Levels in three main career tracks:

n Regulation and Compliancen Risk Management, Audit and Controln Enforcement

Partnerships for GrowthPartnering to your existing financial crime training unitis a unique feature of the City of London Financial CrimeAcademy. By design, a natural partnership model wouldcompliment an existing Financial Intelligence Unit withina Central Bank, or a National or Municipal Police TrainingAcademy, or that of a regional/national BankingInstitute, Bank Trade Association, Business Associationor a multinational / regional / single commercial bank orinsurer.

Financial Crime Academy

For more information please visit www.riskrewardlimited.comemail: info@riskrewardlimited.com or telephone +44 (0) 20 7638 5558.

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TERRORIST FINANCING & SANCTIONS

MARKET ABUSE & INSIDER TRADING

BRIBERY & CORRUPTION

FRAUD

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Notes

Money laundering deterrence and terrorist financing aretwo of the largest problems faced by financialinstitutions today. Anti-money laundering regulationsoblige firms to put in place certain controls to prevent and detectmoney laundering and to report any suspicious activity theycome across. As money launderers have resorted to ever moresophisticated ways of disguising the source of their funds, so theemployees of financial institutions have to be ever more awareof what they are dealing with, and how they should deal with it.

An Introduction to Money LaunderingDeterrence provides the reader with sufficient information toenable them to understand the main issues that relate to moneylaundering deterrence and terrorist financing. Since moneylaundering is, by its nature, a global issue, there exist globalstandards upon which all local legislation is based and it is theseuniversal standards which are dealt with here. The key terms andassociated risks are explained and a broad overview of theregulatory framework is given, to supply employees with thebasic information that they need to be an effective part of theglobal attempt to identify and prosecute those involved in moneylaundering or terrorist financing.

ORDER ONLINE NOWISBN: 978-0-470-06572-3 288pp Hbk

Order on-line http://eu.wiley.com 24.99 / 30.00www.amazon.co.uk 21.24

E-book also available at: http://eu.wiley.com 16.99 / 19.99

DENNIS COX

AN INTRODUCTION TOMONEYLAUNDERINGDETERRENCE

Dennis Cox is CEO ofRisk Reward Limited, astrategy and riskconsultancy for thefinancial servicesindustry, as well as

being a director of a number of othercompanies. He was formerly Director,Risk Management at HSBC OperationalRisk Consultancy and Global RiskDirector at Prudential PortfolioManagers Limited, having spent twelveyears in practice with Arthur Youngand BDO Binder Hamlyn.

Risk Reward Ltd60 Moorgate1st FloorLondon ECR2 6ELUnited Kingdom

Office hours: London (GMT)09.00 18.00 Monday Friday

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