Ria Smith

Background

About Ria Smith

Goal orientated, analytical and creative minded with over 20 years’ experience in banking and financial services. EXTENSIVE EXPERIENCE: Retail banking (NCCP, NCC, Resp. Lending/credit, personal advice, marketing, digital channels, branch distribution), Wealth management, 3rd party legal notices (incl. POAs, liquidation, deceased estates and family law). Contract drafting/formation (e.g. Proposals, RFI’s, Confidentiality Agreements, Deed of Amendments, Deed of Release, Distribution Agreements, Limited POAs. Product Due Diligence. External audits (AFSL, ACL, Corporations Act, Corporations Regs audits). Incident management and reporting requirements. Formal complaints (FOS & SCT). APRA Prudential Guidance, ASIC Reg Guides, industry standards and codes. PPS Act/PPS Register, FATCA, Aust. Consumer Law, SIS Act, SIS Regs, Corps Act, Corps Regs, AML/CTF (incl. suspicious matter reporting), Banking Act, Code of Banking Practice, Life Insurance Act, Insurance Contracts Act, Family Law and Privacy Act. Compliance assurance. Drafting of business policies, staff training. AFSL & ACL licencing requirements/amendments. Statutory interpretation for emerging change. PRODUCT EXPERIENCE: Retail banking, General Insurance, Life Insurance, MIS, SMSFs, Superannuation and Retirement, Wrap Platforms (IDPS & IDPS like), Margin lending REGULATORY EXPERIENCE: APRA, ASIC, ATO, AUSTRAC, OAIC, IRS (this also includes drafting submissions). Exposure to: External Audit (GS007/ASAE320), Litigation (coordination of litigated matters with external counsel), Managed Portfolios, Managed Accounts, Options (for litigated matters only). Distribution business models (retail offering & white labels), operations, call centre management, team management, financial crime, fraud control, BCP/DR, risk profiling and controls assurance.