ENTITY: - **Julius Baer**
DATE: 13-03-2026

**Forensic Audit Memo – Julius Baer (Private Banking)**

1. **Objective:** Conduct a forensic review of Julius Baer’s private banking operations to assess compliance with AML/CFT regulations, transaction monitoring efficacy, and potential financial misconduct.
2. **Scope:** Examine client onboarding, transaction patterns, beneficial ownership disclosures, and internal controls for red flags (e.g., shell entities, suspicious transfers).
3. **Methodology:** Deploy data analytics, document sampling, and interviews with key personnel to identify anomalies and gaps in oversight.
4. **Next Steps:** Compile findings in a confidential report, with recommendations for remediation and regulatory reporting as required.

*[Confidential – Internal Use Only]*

[NOTARIZED BY 2A AGENCY]