Antonio Carlucci

Associate Director – Regulatory & AML Officer | Payment Institutions Compliance | PSD2, AMLD, DORA | Governance, Risk & Anti-Financial Crime

Bologna, Emilia-Romagna, Italy

About

Experienced Regulatory & AML Officer with 15+ years in the Payment Services and FinTech sectors, driving regulatory compliance, financial crime prevention, and internal governance within EU frameworks. Currently Associate Director – Regulatory & AML Officer at an Italian licensed Payment Institution (part of SEB Bank Group), I lead the Compliance function and coordinate with executive management, Banca d’Italia, and other stakeholders. I’ve successfully led critical projects including the acquisition of the PSD2 license, SCA exemption approval, and the digital transformation of the customer onboarding process. I conduct annual reviews on IVASS/RUI compliance, support distributor registration and training, and ensure full adherence to AML legislation (Leg. Decree 231/2007), UIF guidelines, and EBA/DORA standards. I work across functions—Legal, Finance, Sales, Operations—to ensure alignment, risk mitigation, and business continuity. Core Competencies: – AML/CTF Compliance (KYC, Risk Scoring, Internal Controls) – Regulatory Strategy (PSD2, DORA, AMLD, IVASS) – RUI Oversight & Insurance Distributor Governance – Cross-functional Team Leadership – Audit & Supervisory Reporting – Board Advisory & Internal Communication – Training, Awareness, Crisis Management – EU Cross-Border Coordination

Experience

  • AirPlus International (17 yrs 7 mos)
    • Associate Director - Regulatory & Anti-Money Laundering Officer
      Jan 2019 - Present · 7 yrs 6 mos

    • Deputy Regulatory & Anti-Money Laundering Officer
      Sep 2015 - Dec 2018 · 3 yrs 4 mos

    • Finance Data Manager
      Feb 2012 - Sep 2015 · 3 yrs 8 mos

  • Scholarship in Networks and Security Dept at Università di Bologna
    Sep 2007 - Nov 2008 · 1 yr 3 mos

    Scholarship at CeSIA, IT systems and services area of Bologna University