Ella H.

Consultant Mission – Client Lifecycle Recertification | Olkypay

As part of a 3-month mission at Olkypay, a fintech and licensed payment institution, I was responsible for the recertification of the client lifecycle for a mixed portfolio (individuals and professionals/VSEs).

Review and update of KYC files, verification of supporting documents, reassessment of risk profile and processing of files requiring in-depth analysis — all in compliance with the regulatory framework applicable to payment institutions (ACPR).

Mission carried out independently, with a high volume of files processed in a short period, in a fast-growing fintech environment.

KYC Recertification Mission – Periodic Review

As part of an AML/KYC compliance consulting mission, I was responsible for the recertification of high-risk client files for a player in the Luxembourg financial sector.

Scope of intervention:

Analysis and update of KYC files for legal entities, investment funds, and counterparties classified as high-risk (EDD – Enhanced Due Diligence), in compliance with current regulatory requirements (CSSF, FATF, 6th AML Directive).

Actions taken:

Collection and verification of constitutive documents, identification and verification of ultimate beneficial owners (UBO), analysis of complex shareholding structures, assessment of client risk profile and update of risk ratings. Drafting of recertification summaries for the second-level teams and management.

Impact:

Direct contribution to reducing the backlog of periodic reviews, within the set deadlines and internal quality standards — allowing the institution to maintain its compliance with supervisory requirements.

Compliance Mission – Regulatory Reporting | BNP Paribas Luxembourg

As a senior consultant, I supported BNP Paribas Luxembourg in structuring and producing its regulatory reporting for the supervisory authorities (CSSF).

Analysis of reporting obligations, data validation, coordination with internal teams (Risk, Finance, Legal) and production of reports within the imposed regulatory deadlines.

Intervention in an international banking environment with a high level of requirements, with particular attention to data quality and deliverable compliance.