Freelancer profile translated to English.

Description

Available quickly for AML, MLRO, KYC missions or regulatory compliance projects (payments, fintech).

I support financial institutions, fintechs, and payment institutions in regulatory compliance, structuring AML/KYC frameworks, and managing financial crime risks.

With over 15 years of experience in AML, KYC, and regulatory compliance, including MLRO roles and direct interaction with the regulator (ACPR, TRACFIN), I focus on:

Implementing AML/CFT frameworks
Structuring KYC / CDD / EDD processes
Financial crime risk assessment and AML scoring
Regulatory reporting and payments compliance
Preparation for regulatory inspections
Regulatory projects and compliance transformation
Support for licensing (payment institution, fintech)

🚀I bring immediately operational expertise, mastery of AML/KYC requirements, and the ability to transform regulatory constraints into concrete solutions tailored to fintech and payment environments.

🔍My added value lies in a rare hybrid positioning combining AML/KYC, MLRO, and regulatory project management. I work across the entire compliance chain: design, implementation, and securing of frameworks.

📦I intervene in particular on:

AML gap analysis and compliance diagnostics
Drafting policies (AML, KYC, regulatory)
Implementing risk assessment frameworks
Preparing ACPR licensing applications
Regulatory compliance
Preparation for ACPR audits
Defining operational compliance models

🎯Whether you are a fintech in structuring, a growing payments player, or a financial institution in transformation, I will help you secure your AML, KYC, and regulatory compliance challenges.

Industry field of expertise

Languages

French
Native or bilingual
English
Fluent

Workplace preferences

Can work on-site

Paris (up to 50km)

FIFA Clearing House
AML Lead / Regulatory Project mindset
BANKING AND INSURANCE
October 2022 - Today (3 years and 8 months)
Paris, France
AML / KYC Operations
Conducting Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD)
Analysis of Ultimate Beneficial Owners (UBO)
Analysis of Source of Wealth / Source of Funds
Performing client risk assessments and AML scoring
Decision-making on client onboarding / rejection
Financial Crime Analysis
Analysis of complex high-risk cases
Identification of AML / reputational risks
Investigation of international client profiles
Process & Compliance Improvement
Drafting and updating operational procedures (SOP)
Improving KYC document quality
Optimizing AML/KYC processes
Management & Coordination
Managing a team of 5 AML/KYC analysts
Coordination with back-office
Interaction with various internal stakeholders
Governance & Reporting
Reporting to the Head of AML/KYC
Reporting to the Management Board
Contribution to compliance governance
internal-audit due-diligence KYC business-unit-strategy pricing
Planet Merchant Services SAS
Senior Regulatory Compliance Officer / MLRO
BANKING AND INSURANCE
September 2019 - September 2022 (3 years)
Paris, France
Acting as compliance officer and MLRO in a fintech payment environment (acquiring, processing, DCC) under ACPR supervision.

🎯 Key Responsibilities
Steering the regulatory compliance and financial crime framework
MLRO role and primary contact with the regulator (ACPR, TRACFIN)
Defining and implementing risk management strategies
Implementing AML/CFT frameworks and client risk classification
Supervising regulatory reporting and internal control
Integrating risk culture within teams
📦 Deliverables
Comprehensive AML/CFT framework
Risk mapping
ACPR regulatory reporting
TRACFIN filings
Compliance policies & procedures
Internal control plans
🔍 Positioning
👉 Regulatory Lead / MLRO with direct regulator exposure
ACPR internal-audit Payment risk-management Financial Crime Compliance