Luxembourg
With over 25 years of financial industry experience, I focus on strategic oversight, financial regulations, and fostering operational resilience. I lead regulatory compliance initiatives, oversee risk management frameworks, and maintain a transparent relationship with regulators to ensure stringent regulatory reporting. Previously, I held leadership roles at PingPong, Bequant and Paypal, where I contributed to licensing across the EU and UK, embedding compliance cultures, and implementing AML/CFT programs. My expertise in fintech compliance, AML, risk management, and governance drives my mission to align innovative financial services with robust regulatory standards, empowering organizations to navigate complex regulatory landscapes with confidence.
Responsible for Compliance/AML, Governance, Legal/DPO, Risk, ICT, DORA, Outsourcing Oversight, and Internal Audit. Built the DORA framework from scratch and bootstrapped the Risk function. Led consolidation of compliance providers, reducing costs by 50%. Managed an AML/CFT on-site inspection. Leading senior compliance, legal, and risk professionals across four functions. One of two CSSF-approved Authorized Managers.
Responsible for governance, risk, compliance, and strategic oversight of COMO DL, a CSSF-supervised Payment Institution. I act as regulatory contact, oversee risk and internal controls, and ensure full alignment with PSD2, AML/CFT, and safeguarding requirements while supporting operational growth.
Responsible for the strategic and operational oversight of 3S Money, an Electronic Money Institution (EMI) in Luxembourg with branches in Amsterdam and Paris, ensuring alignment with its long-term business objectives. I lead regulatory compliance efforts, ensuring full adherence to Luxembourg and EU financial regulations, including CSSF requirements, AML/CTF laws, and PSD2/e-money directives. I oversee the implementation of robust risk management frameworks, internal controls, and governance structures. As the primary point of contact with the CSSF, I ensure timely, accurate regulatory reporting and maintain a transparent relationship with the regulator. I also supervise all outsourced or delegated functions, ensuring compliance with regulatory expectations and maintaining the operational integrity of the EMI.
As Chief Compliance Officer and Responsable du Contrôle (RC) of 3SMoney, a regulated financial institution in Luxembourg, I was responsible for designing and executing the overall compliance framework in line with CSSF and EU regulatory expectations. My focus was on embedding a strong culture of compliance across the business while maintaining operational efficiency. I led the AML/CFT programme, conducted risk assessments, and ensured that policies, controls, and procedures met the requirements of the Luxembourg AML Law and the CSSF AML/CFT Regulation. I maintained regular communication with the CSSF, including submitting RC reports and supporting regulatory inspections. Additionally, I oversaw the implementation of internal training, monitored regulatory developments, and ensured the institution’s continued adherence to PSD2, GDPR, and other applicable laws. I also provided guidance to senior management and the Board on compliance risks, helping to inform strategic decisions and foster a robust governance environment.
As Chief Compliance Officer at PingPong Europe S.A., a Luxembourg-based Electronic Money Institution (EMI), I was responsible for leading the compliance and regulatory strategy across the EU and UK. Together with the management team, I successfully passported the Luxembourg EMI licence across the EU. I submitted the company in the UK under the Temporary Permissions Regime (TPR), ensuring continuity of operations during the post-Brexit transition period. We secured a brand-new UK EMI licence, with the application submitted and approved within the FCA’s TPR deadlines. With the management team, I oversaw the establishment of the UK office in London, including recruiting the UK Chief Compliance Officer and ensuring full regulatory and operational readiness. In Luxembourg, I served as both Chief Compliance Officer and Responsable du Contrôle (RC), maintaining full compliance with CSSF regulations, PSD2, AML/CFT laws, and e-money requirements. I also managed the relationship with the CSSF, including all audits, inspections, and regulatory reporting. Additionally, I had oversight of key outsourced functions—such as onboarding, transaction monitoring, and sanctions screening—ensuring they operated in line with regulatory expectations while supporting PingPong’s scalable cross-border payments infrastructure.
Spearheaded the development of the UAE's first crypto-friendly regulatory framework, promoting a secure digital asset ecosystem. Helped develop RegLab, a regulatory sandbox enabling FinTech innovation while managing risks effectively. Mentored startups in navigating regulatory complexities, fostering a compliant and innovative financial landscape.