Compliance and AML Manager

Played a key role in the organizational setup of a newly established bank. Designed and updated the compliance regulatory framework (KYC, AML/CTF, conflicts of interest), covering all core compliance risk areas applicable to regulated banking and non-banking financial institution activities. Coordinated the Annual Compliance Plan across multiple control streams and recurring control cycles (10+ key controls per annual cycle), directly responding to inquiries to the National Bank of Romania (NBR). Provided advisory support to senior management on AML and KYC matters, contributing to consistent decision-making in higher-risk and non-standard customer and transaction cases. Integrated compliance requirements into new products and projects at design stage, reducing post-launch remediation needs and limiting corrective actions during implementation. Developed and delivered the annual recurring compliance training sessions for business and control functions, improving consistent application of internal procedures across teams.

Achieved a 100% client satisfaction rate across all delivered projects. Led AML and financial crime risk assessments for digital onboarding processes across 5+ financial institutions and outsourced service delivery models. Contributed to the design and refinement of AML risk assessment methodologies for online onboarding, improving consistency, auditability, and regulatory alignment of risk conclusions. Performed independent reviews of KYC/AML/CTF frameworks, assessing governance, policies, procedures, and control effectiveness against regulatory expectations. Conducted transaction and customer activity testing on representative samples (100+ files per engagement), supporting validation of compliance with local and international regulatory requirements. Coordinated a KYC/AML/CTF workflow optimization project for a bank in the Republic of Moldova, clarifying roles, escalation paths, and processing timelines to support operational efficiency. Delivered cross-border projects with international stakeholders through asynchronous communication, structured documentation, and milestone-based delivery under defined timelines.

Led the integration of new team members into an established regulatory compliance team, ensuring continuity of regulatory controls and adherence to compliance standards. Ensured local operations complied with Group rules and the applicable legal framework, providing assurance to regional and local management. Coordinated the local compliance function in collaboration with central teams, aligning policies, controls, and reporting methodologies. Supervised ongoing compliance controls and action plans, tracking remediation activities and follow-up actions across monthly control cycles. Managed conflicts of interest and provided decision-making support to local and regional stakeholders. Maintained the institutional relationship with the National Bank of Romania during regulatory reviews and reporting activities. Coordinated compliance activities with regional structures through digital reporting, standardized documentation, and recurring alignment calls, supporting time-critical regulatory responses.

Played a key role in the implementation of the online onboarding process for non-Orange customers by adapting Siron KYC and AML scenarios to the new workflow and implementing Siron Embargo screening. Built and consolidated the compliance function, designing core AML/CTF, KYC, and conflict of interest policies and procedures. Managed the Annual Compliance Plan, executing 15–20 key controls per year across KYC, AML/CTF, and conflicts of interest. Advised senior management on new products and projects, supporting regulatory approval readiness and reducing post-launch compliance adjustments. Developed and delivered annual compliance and anti-corruption training programs (8–10 sessions/year), ensuring consistent application of AML requirements. Identified suspicious transactions and submitted regulatory reports, supporting ongoing supervisory oversight. Worked with multidisciplinary teams through documented processes, periodic compliance reviews, and digital coordination channels.

Implemented requirements of NBR Regulation no.5/2013, computation of AML scoring and FATCA reporting. Built and consolidated the compliance function, designing core AML/CTF, KYC, and conflict of interest policies and procedures. Managed the Annual Compliance Plan, executing 15–20 key controls per year across KYC, AML/CTF, and conflicts of interest. Advised senior management on new products and projects, supporting regulatory approval readiness and reducing post-launch compliance adjustments. Developed and delivered annual compliance and anti-corruption training programs (8–10 sessions/year), ensuring consistent application of AML requirements. Identified suspicious transactions and submitted regulatory reports, supporting ongoing supervisory oversight.