Title: Head of Financial Crime Advisory and Training Job Description: Job ID: 816 Business Unit: Compliance & Financial Crime Risk Job Family: Risk & Compliance Category: Risk, Compliance & Audit Location: Melbourne, VIC, AUS, 3000 | Adelaide, SA, AUS, 5000 | Bendigo, VIC, AUS, 3550 | Brisbane, QLD, AUS, 4000 | Sydney, NSW, AUS, 2000 Employment Type: Permanent Employee Class: Full Time We’ve never been ‘just a bank’. Just like you should never be ‘just an employee’. We’re united in our belief that in banking, better can be bigger, and together we’re making it happen. It starts here. With Bendigo Bank… and you. Come and be part of a landmark transformation of our Financial Crime Risk (FCR) function. As we build a best-in-class financial crime second line of accountability, this is a unique opportunity to provide critical oversight, strategic direction, and effective challenge, to detect, deter and disrupt all types of financial crime and help protect our bank, our customers, and our communities. We are currently recruiting multiple driven and experienced leaders to join this enhanced function. You’ll love the good you can do here. In these pivotal leadership roles: Senior Managers, Heads of and Deputy MRLO, you will be instrumental in shaping the future of financial crime risk management at Bendigo Bank. You will help develop and embed a proactive, intelligence-led risk management framework that enables the bank to achieve its goals safely and soundly. As a leader in our Financial Crime Risk Department, you’ll make an impact by: - Developing and implementing the strategic direction for financial crime risk management. - Providing expert advice and effective challenge to the first line of accountability to uplift our overall financial crime risk management maturity. - Leading, mentoring, and inspiring a team of dedicated risk professionals. - Driving a culture of continuous improvement and proactive risk identification. About the Role The Head of Financial Crime Advisory and Training reports to Chief Compliance & Financial Crime Officer (and MLRO). - is to protect BEN from regulatory, reputational and financial risks by providing expert advice, guidance and training on AML/CTF, Sanctions, Fraud, ABC and FATCA/CRS (collectively, the Financial Crime Ecosystem). - Act as the "front door" for Financial Crime Risk, providing expert advice and guidance to all business units and ensuring they have the information required to execute their obligations. - Provide robust, independent challenge and oversight of the effectiveness of the Bank's financial crime control environment - Lead engagement on financial crime risk assessments and advise on the risk impact of new business initiatives, products, channels, and customer types. - Design, develop, and oversee a suite of enterprise-wide and role-specific financial crime training programs to uplift capability and awareness across the Bank. - Ensure all training programs remain current with the evolving regulatory landscape and industry best practices. - Collaborate closely with leaders across Financial Crime Risk and Financial Crime Operations to ensure the sustainable delivery of all financial crime programs What you’ll bring to the role Essential - Expert knowledge and demonstrated understanding of financial crime risk management (2nd Line) and the risk environment within financial services. - Proven ability to lead high-performing teams, drive change, and foster a proactive risk culture. - Demonstrated success in designing and implementing enterprise-wide financial crime training frameworks and systems. - Exceptional ability to build relationships, influence decisions, and provide effective challenge up to the executive level. - Skilled in overseeing financial crime risk throughout the change lifecycle, providing commercial judgment on new initiatives. - Strong understanding of business continuity to help the business manage and learn from financial crime incident Highly desirable · Post-graduate studies in Risk or Law · Professional qualifications are highly desirable e.g. ACAMS, CFA, AFCS Location: Melbourne, Bendigo, Adelaide, Sydney, or Brisbane with flexible hybrid options. Permanent full-time position. Why Bendigo Bank? This isn't just another role; it’s a reinvention. As part of a smaller, dynamic team, you’ll gain unparalleled exposure and experience. You'll do more, learn more, and grow more, with direct access to key leaders. If you are a resilient and driven leader who wants to make a tangible impact and build something exceptional, this is your opportunity. We believe a diverse workforce supported by an inclusive culture is central to our success and we actively encourage applications from those who bring diversity of thought to our business. We support candidate requests for adjustment to accommodate an illness, injury, or disability to equitably participate in the selection process. Still in two minds? Research suggests 60% of women and underrepresented groups might stop here, even after getting as far as drafting an application. We believe that diversity makes every team stronger, so even if you don’t tick every box we still want to see your application!

• Provide strategic direction and day-to-day oversight of the Bank's BSA/AML compliance program, including Suspicious Activity Report (SAR) filing, Currency Transaction Report (CTR) processing, and Customer Due Diligence (CDD/EDD) requirements. • Direct the annual BSA/AML risk assessment process, ensuring adequate coverage of all bank activities. • Maintain and evolve BSA/AML policies, procedures, and controls in alignment with FinCEN guidance, FFIEC BSA/AML Examination Manual, and applicable state law. • Oversee the Bank's transaction monitoring program, including system configuration, alert tuning, and escalation workflows. • Ensure timely, complete, and accurate regulatory reporting to FinCEN, including the management of lookback reviews or remediation as needed. • Lead the Bank's OFAC/sanctions screening program, ensuring controls are appropriately applied to mortgage loan origination, commercial credit underwriting, ACH, wire, and other payment channels. • Oversee the fraud risk intelligence function, coordinating with Operations, Retail Banking, and Commercial Banking on emerging fraud typologies relevant to lending and deposit products. • Serve as the primary compliance partner for the Mortgage and Consumer Lending business line, ensuring financial crimes controls are embedded in the origination lifecycle. • Act as primary point of contact for BSA/AML and financial crimes-related internal audits and examinations.

• Conduct end-to-end KYC and EDD reviews across all customer risk tiers, ensuring compliance with internal policies and global AML/CTF regulations. • Perform complex EDD investigations on high-risk individuals, including deep analysis of identity, source of funds, and source of wealth. • Assess financial crime, sanctions, and jurisdictional risk, escalating potential SAR cases with clear, defensible investigative documentation. • Collaborate with Compliance, Fraud, and FIU teams to resolve complex escalations and maintain consistent risk decisioning. • Operate effectively in a high-volume environment while maintaining high QA standards and meeting productivity KPIs. • Act as a KYC/EDD subject matter expert and escalation point for customer-facing and operational teams. • Develop and maintain operational processes, workflows, and documentation to support scalable identity verification operations. • Identify operational inefficiencies and propose data-driven solutions to improve quality, speed, and risk controls. • Deliver project support and training for internal teams and BPO partners.

• Work cases making outbound calls to verify suspected fraudulent authorizations • Work chargeback and dispute cases for VISA and Mastercard programs as needed • Work closely with the Fraud Analyst and Risk Manager to identify fraud patterns and resolve trends • Review FDWC cases • Make outbound calls/emails to cardholder to verify authorizations • Review suspect payments • Review active fraud patterns as needed • Act as secondary to Fraud Analyst for administration • Other duties as assigned