Summary
Overview
Work History
Education
Skills
Certification
Accomplishments
Timeline
Generic

Antonio Joao Lopes Silvestre

Compliance Officer (RC)/MLRO
Luxembourg

Summary

Certified professional with a strong background in the financial services industry, possessing extensive experience in Financial Crime Governance, Risk Management, Investigations, and Compliance across both 1LoD and 2LoD functions. Fluent in Portuguese and English, with basic communication skills in Spanish and French. Over the course of my career, I have developed robust analytical, investigative, and communication skills through diverse roles within industry-leading corporations. Proficient in management and knowledge management frameworks, I promote and implement a knowledge-sharing culture within organizations. Consistently delivered high-quality documentation, including 50+ AML reports, enhancing decision-making and reducing risk. Led the implementation of a knowledge-sharing framework that improved team efficiency and reduced onboarding time.

Overview

9
9
years of professional experience
10
10
Certifications
4
4
Languages

Work History

Compliance Officer (RC) | MLRO (CSSF Approved)

3S Money
07.2024 - Current
  • Ensure compliance with all relevant AML/CTF laws, regulations, and internal policies
  • Fulfill mandatory reporting obligations to regulatory authorities, including CSSF, ensuring timely and accurate submissions
  • Maintain accurate records of compliance activities for audits and internal reviews
  • Review onboarding data and assess High/Medium Risk cases
  • Coordinate and lead compliance team activities, including periodic reviews and remediation initiatives

Enhanced Onboarding Officer (KYC)

3S Money
03.2024 - 06.2024
  • Conduct High Risk/EDD checks for prospective clients in compliance with AML policies
  • Assess and assign risk ratings to prospects based on complex structures and high-risk client types
  • Identify clients not aligned with 3SM's Risk Appetite and provide support to less experienced team members

Regulatory Analyst (KYC)

Skandinaviska Enskilda Banken | SEB
09.2023 - 02.2024
  • Perform high-quality due diligence in compliance with
    AML/CFT requirements, including risk assessment.
  • Serve as a trusted advisor to clients, support colleagues, and
    escalate exceptional cases or concerns.
  • Drive continuous improvements, develop networks for
    coordination, and meet customer expectations while being
    accountable for team delivery and knowledge sharing.

Financial Crime Risk Officer

Danske Bank
05.2023 - 08.2023
  • Provide practical and execution support to 1LoD Financial
    Crime functions and the business across the GWRA process.
  • Coordinate, review, and challenge 1LoD input and responses
    across Business units, branches, and subsidiaries.
  • Draft and edit the GWRA reports for branches and subsidiaries in compliance with different applicable regulatory jurisdictions.

Conduct, Financial Crime & Compliance Governance Senior Specialist

Standard Chartered
08.2022 - 04.2023
  • Collect and analyze data to create CFCC Governance reports
    for internal and senior committee reporting.
  • Collaborate with the Primary Secretariat to oversee committee
    administration activities and handle confidential information
    in line with governance and security standards.
  • Manage audit reporting, system alignment, and risk
    identification, escalation, and resolution for compliance and
    risk management.

Financial Crime & Compliance Specialist Investigator

Standard Chartered
09.2021 - 07.2022
  • Review and analyze US correspondent banking transactions
    for unusual activity, including detection scenario processes.
  • Identify, research, and escalate unusual activity while
    managing the investigative process from detection to
    resolution.
  • Formulate recommendations on matters of higher complexity
    and risk, support AML investigations, and assist managers in
    their investigations

Corporate Client Onboarding Analyst

Citi Bank Europe
05.2020 - 08.2021
  • Review legal documentation for account openings and
    financial products, reporting deficiencies, and ensuring timely
    approvals.
  • Manage KYC screening processes.
  • Oversee Platinum Tier 1 high-intensity client onboarding
    across EMEA and handle internal inquiries, including the
    department's weekly escalations report for upper
    management.

Tax Free Solutions Specialist

Global Blue
01.2018 - 04.2020
  • Certification processes for Tax-Free Issuing solutions, including
    software testing for internal and external stakeholders, such as
    international retailers, POS system vendors, and payment
    services providers.
  • Authoring and maintaining support documentation for
    integrated solutions and software users.
  • Collaborating with internal departments to ensure operational
    continuity, troubleshoot technical issues, and support new
    Tax-Free Issuing solutions.

Technical Support Analyst

Expedia
04.2017 - 12.2017
  • Provide Tier 1 technical support for internal and external
    partners via email and phone, adhering to quality, timeliness,
    and productivity KPIs.
  • Manage change history reporting, monitor alarms, schedule
    maintenance outages, and address access problems with
    customer-facing tools/devices.
  • Troubleshoot basic connectivity issues, generate system
    reports, and facilitate communication between the Market
    Management team and Tier 2 Analysts.

EU Risk – Loss Prevention Analyst

Amazon
09.2016 - 03.2017
  • Perform data analysis to identify inventory adjustments and
    thefts.
  • Prepare reports for law enforcement purposes.
  • Conduct data mining for various Loss Prevention initiatives,
    including transport incidents, local geopolitical factors, and
    weather forecasting, to mitigate potential issues. Additionally,
    create weekly shrink reports for Italy, France, and Spain
    operations.

Resolution Assurance Analyst II

MoneyGram
04.2016 - 08.2016
  • Complaints investigation connected to KYC, Sanctions
    Screening, AML, Fraud, and High-Risk transactions received
    from Consumers, Ombudsman services, or Regulators in
    accordance with all regulatory compliance standards.
  • KYC, AML and Sanctions Screening, Anti-Fraud processes
    performance verification to assure compliance to regulatory
    and company standards.
  • Composing correspondence based on findings and according
    to regulatory standards and deadlines (FCA, PSD, and DoddFrank) and determine the outcome.

Resolution Assurance Delegate

MoneyGram
09.2015 - 03.2016
  • Complaints investigation and resolution.
  • Providing counseling, overseeing complaint processes, client
    interfacing, processing complaint cases.
  • Compliance assessment

Education

Master of Science - Business Management

Kozminski University
Warsaw - Poland
04.2001 -

Bachelor of Arts - Fine Arts

Instituto Politécnico De Tomar
Tomar - Portugal

Skills

  • Compliance & Regulatory Expertise: AML/CTF, KYC, Regulatory Compliance, Risk Assessment & Management, Financial Crime Investigations, Financial Crime Risk Mitigation, Compliance Monitoring, Internal Controls, Documentation Creation and Review, Sanctions Compliance, Transaction Monitoring, SAR Reporting, Regulatory Reporting
  • Technical Proficiency: Oracle Mantas, Lexis Nexis, Dow Jones Risk Center, Tableau, SharePoint (Advanced), Excel (Advanced), Project Management Tools (Jira, Confluence)
  • Stakeholder Management & Leadership: Team Coordination, Leadership, Cross-Functional Collaboration, Audit Reporting, Risk Identification & Resolution, Compliance Reporting
  • Industry Expertise: Experience in EU and US financial regulatory environments including Luxembourg (CSSF), Norway (Finanstilsynet), Sweden (Finansinspektionen), Denmark (Finanstilsynet), France (ACPR), Netherlands (DNB), UK (FCA), and the USA (SEC, FINRA, OFAC)

Certification

ICA Certificate in Anti-Money Laundering (International Compliance Association)

Accomplishments

  • First Class Service Award

    Expedia – Czech Republic | 07.2017

  • Standard Chartered – Poland | 04.2022

    SPOT Award

Timeline

Compliance Officer (RC) | MLRO (CSSF Approved)

3S Money
07.2024 - Current

Enhanced Onboarding Officer (KYC)

3S Money
03.2024 - 06.2024

Regulatory Analyst (KYC)

Skandinaviska Enskilda Banken | SEB
09.2023 - 02.2024

Financial Crime Risk Officer

Danske Bank
05.2023 - 08.2023

Conduct, Financial Crime & Compliance Governance Senior Specialist

Standard Chartered
08.2022 - 04.2023

Financial Crime & Compliance Specialist Investigator

Standard Chartered
09.2021 - 07.2022

Corporate Client Onboarding Analyst

Citi Bank Europe
05.2020 - 08.2021

Tax Free Solutions Specialist

Global Blue
01.2018 - 04.2020

Technical Support Analyst

Expedia
04.2017 - 12.2017

EU Risk – Loss Prevention Analyst

Amazon
09.2016 - 03.2017

Resolution Assurance Analyst II

MoneyGram
04.2016 - 08.2016

Resolution Assurance Delegate

MoneyGram
09.2015 - 03.2016

Master of Science - Business Management

Kozminski University
04.2001 -

Bachelor of Arts - Fine Arts

Instituto Politécnico De Tomar

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Antonio Joao Lopes SilvestreCompliance Officer (RC)/MLRO