AML experience across rules, operations and leadership.

My background

Following a Master’s-level degree in Economics & Management, I specialised in AML/CFT, Compliance, Risk and Governance through specialist postgraduate/master-level AML/CFT training, ACAMS certification and ICA training focused on gaming, alongside dedicated learning in crypto-assets and banking. That training remains grounded in hands-on work.

Across more than 10 years I have worked in payments/e-money, banking, fintech, crypto-assets, forex/CFDs, gaming, insurance and AML technology, including second-line, Financial Crime and leadership responsibilities. I have seen controls, fraud patterns, transaction chains, complex structures and cross-border activity from the side assessing the risk. That experience taught me which questions matter, which inconsistencies require deeper review and what evidence makes a decision reconstructable.

Professional interaction with authorities and supervisory functions added a third perspective: understanding how a requirement is viewed in supervision, which evidence makes a control demonstrable, and how to structure clear communication when requests, findings or reviews arise. This does not mean predicting an authority’s outcome; it means approaching the dialogue with facts, responsibilities and remediation clearly organised.

Consulting work and experience with corporate setup and cross-border structures across Malta, the United Kingdom and Gibraltar added the other perspective: businesses and professionals trying to understand a request, explain economic activity, reconstruct funds and ownership, and organise coherent documentation. My method comes from connecting those two sides: understand the control logic and translate it into a practical path for the person who has to address it.

This is the method I bring to advisory work: start with the actual risk, identify what is missing, and translate requirements, controls and evidence into an understandable, reconstructable decision.