Creation of new procedures and implementation audit findings

• Strengthening retrospective monitoring of transactions
• Sanctions screening process improvements and audit
• Crypto trainings for Wallter employees
• Compliance Committee has been formed and changed Risk and Compliance Committee
• The number of employees of the Compliance Department has been increased, and their qualifications have been raised in various internal and external trainings
• Quality assurance of remote identification services provided by UAB iDenfy
• Quality assurance of prepaid card provider CreditCo, UAB
• Enhanced monitoring of card payment transactions
• Process improvements for ongoing client information updates
• Implementation of a new transaction monitoring and automated risk calculator tool i-Spiral
• New risk scoring procedure.