IBAcerca de Ines
I am a compliance professional with over 10 years of international experience in banking, fintech, and asset management. I have served as MLRO and Chief Compliance Officer, leading AML/CFT, KYC/KYS, sanctions, and financial crime prevention frameworks across Europe, LATAM, Africa, and Asia.
I help institutions strengthen compliance programs, prepare for regulatory audits, and manage onboarding of high and very high-risk clients. I design and update policies, procedures, and internal controls, ensuring alignment with evolving regulations and international best practices.
My expertise includes:
AML/CFT & ABC program implementation and monitoring
Client due diligence and KYC/KYS/KYI controls
Regulatory liaison and audit management
Risk and compliance frameworks for new products and partnerships
Employee training on compliance and ethics
I bring clarity, rigor, and practical solutions to complex regulatory challenges, helping companies build trust with regulators and clients while reducing compliance risks.
Español
Bilingüe o nativo
Inglés
Bilingüe o nativo
Francés
Bilingüe o nativo
Solo teletrabajo
Lleva a cabo sus proyectos principalmente en remoto
Experiencia
- Ebury – paymentsGroup MLRO & Compliance Officer –BANCA & SEGUROSjunio de 2024 - Hoy (2 años)Madrid, Spain• Act as Group MLRO for institutional clients, leading AML/CFT compliance, client due diligence, and financial crime prevention frameworks across multiple jurisdictions.• Drive project management initiatives for the rollout of new financial products and services, embedding compliance requirements from design through launch.• Review and approve onboarding decisions for High-Risk (HR) and Very High-Risk (VHR) institutional clients across jurisdictions in Africa, LATAM, Europe, and Asia, overseeing the work of the onboarding team and ensuring regulatory compliance.• Oversee transaction monitoring alerts escalated by the dedicated monitoring team, reviewing suspicious activity cases and making final decisions on reporting to regulators/authorities.• Supervise sanctions screening escalations handled by the dedicated sanctions team, conducting final reviews and approving or rejecting cases in line with regulatory obligations.• Develop, implement, and continuously enhance compliance policies, procedures, and internal controls in line with evolving regulations.• Serve as primary liaison with regulators and auditors worldwide, managing audits, regulatory submissions, and remediation programs.• Advise senior management and the Board on compliance obligations, emerging regulations, and international best practices.• Foster a strong compliance culture through staff training, awareness programs, and close collaboration with commercial and operational teams.
- Gambit Financial Solutions & Birdee SA (BNP Paribas group)Chief Compliance officerBANCA & SEGUROSoctubre de 2021 - junio de 2024 (2 años y 8 meses)Haute École de Namur-Liège-Luxembourg, Arlon, LX, Belgium(Working remotely from Madrid and traveling regularly to the head office)• Monitoring and reviewing compliance obligations, ensuring application of required policies and best practices (AML/CFT/FS/PE/PIC/MA, Etc.)• Implementation and management of the AML/CFT & ABC compliance program• Project management for new partnerships: Go-Live of our first partnership with a Neo Bank for which we produced a robot advisor model• Project management for costumers relationships• Draft, create and update of legal and compliance procedures• Regular communication and reporting with the regulator• Advising the Executive Committee and Board of Directors on Birdee's compliance with laws and regulations through detailed reports and by attending these committees• Creating and managing effective action plans to anticipate and/or in response to audit discoveries and compliance violations• Assessing and following up with authorities in framework of any suspicion of any ML/TF activities• Ensuring all employees are educated on the latest regulations and processes especially in terms of AML/CFT and professional ethics• Resolving employee concerns about legal compliance• Controlling 1stline of defense work (KYC/KYS/KYI etc.) is performed according to regulation and group's obligations• Creation of compliance and risk framework following BNPP's obligation at Gambit's level• Data protection policies and procedures implementation & follow-up with the support of local DPO
- Indosuez Wealth Management (Crédit Agricole group) – Private banking.Wealth ManagerBANCA & SEGUROSmarzo de 2018 - septiembre de 2021 (3 años y 6 meses)Luxembourg• Wealth manager in the Spanish and Portuguese department• Stakeholders' management - Contributing to assuring clients relationship building and engagement, events organization etc.• Completing required paperwork and clients record maintenance• Perform KYC and screening on clients• Supervision and training of two junior staff members• Monitoring and reviewing compliance obligations, ensuring application of required policies and best practices following the compliance's team guidelines• Regular reporting to the compliance team
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Formación
- Double degree in International Business and Management (E4)Universidad Pontificia de Comillas (ICADE)2013Double degree in International Business and Management (E4)
- Double degree in International Business and Management (E4)Neoma Business School2015Double degree in International Business and Management (E4)