Dynamic Senior Compliance and AML/CFT Officer with over a decade of expertise in the banking and fund sectors, recognized for a strong command of regulatory risk management and AML frameworks. CAMS and RC certified, offering a comprehensive understanding of cross-border governance and compliance protocols. Proven track record in leading inspections by CSSF and CNMV, successfully implementing processes that significantly mitigate compliance risks. Committed to fostering a culture of compliance while driving operational efficiency and enhancing organizational integrity.
Open To Work
Hi, I’m
SOPHIE MOREAU
Luxembourg
Summary
Overview
13
years of professional experience
1
Certification
Work History
Altum Group
Senior Compliance Officer
05.2025 - Current
Job overview
- Company Overview: Fund Services Industry
- Led AML/CFT compliance strategy implementation, ensuring full alignment with CSSF regulations.
- Oversee due diligence and risk mitigation frameworks tailored to fund structures.
- Main point of contact with regulatory authorities for audits, inspections, and compliance reviews.
- Enhance KYC/CDD procedures, enabling stronger client onboarding and ongoing monitoring.
- Conduct internal compliance assessments and implement remediation plans.
- Design and deliver AML/CFT training to cross-functional business teams.
Canadian Imperial Bank of Commerce (CIBC)
Compliance & AML/CFT Reporting Officer
06.2023 - 04.2025
Job overview
- Company Overview: Capital Markets Europe
- Represented my department at the Exco and Board Committee meetings.
- Managed regulatory communications and audit responses with the CSSF.
- Streamlined AML/KYC processes, reducing false positives by 30%.
- Developed dynamic compliance dashboards to support risk-based decision-making.
- Conducted internal audit reviews and risk gap assessments.
- Award: Best Compliance Officer in Europe 2024 for outstanding performance in compliance program leadership.
Société Générale
AML/CFT & Compliance Officer
03.2018 - 03.2023
Job overview
- Company Overview: Investment & Corporate Banking
- Advised senior bankers, sales teams, and traders on compliance requirements.
- Prepared and submitted regulatory reports to CNMV and Banco de España.
- Conducted AML risk assessments and updated KYC/CDD protocols.
- Achievement: Led AML/KYC process optimization, achieving a 30% reduction in false positives and improving screening accuracy across high-risk client segments.
- Managed relationships with regulators, maintaining open lines of communication to ensure transparent operations.
BBVA
Regulatory Compliance IT Advisor
09.2016 - 03.2018
Job overview
- Oversaw integration of MiFID II technical compliance across IT platforms.
- Performed post-trade analytics to detect and monitor AML-related anomalies.
- Maintained up-to-date knowledge on industry trends and regulations, ensuring accurate advice was provided to clients at all times.
Banco Santander
Regulatory Compliance Analyst
01.2014 - 09.2016
Job overview
- Ensured compliance with AML/KYC and key international regulations (CRS, FATCA, Volcker, EMIR, MiFID).
- Responded to audit queries and coordinated regulatory inspections.
Ilse Jodts Legal and Taxes S.L
Legal Intern
01.2013 - 01.2013
Job overview
- Provided legal support on cross-border real estate transactions, performing risk assessments and preparing acquisition contracts aligned with local laws.
Education
UCM & IEB
Double Degree in Law & Master in Stock Exchange
01.2011
University Overview
Skills
- Knowledge of AMLD 5 & 6 and FATF recommendations
- Anti-money laundering and counter-terrorism financing expertise
- Risk appetite framework development
- Compliance training facilitation
- Experience with Power BI
- Expertise in advanced Excel functions
- SharePoint
- DocuSign
- AmlWatch
- LexisNexis, WC
Affiliations
Affiliations
ACAMS & ALCO
Certification
- RC Funds Industry | 2025, House of Training
- Certified Anti-Money Laundering Specialist (CAMS) | 2022, ACAMS
- ABC Fundamentals | 2021, ACAMS
- MiFID II | 2016, IEB
- Data Protection Officer | 2020, Thomson Reuters
- English Language Program | Cork, Ireland | 2012
Languages
Spanish: Mother Tongue
English: C1 (Advanced)
French: C1 (Advanced)
Timeline
Senior Compliance Officer
Altum Group
05.2025 - Current
Compliance & AML/CFT Reporting Officer
Canadian Imperial Bank of Commerce (CIBC)
06.2023 - 04.2025
AML/CFT & Compliance Officer
Société Générale
03.2018 - 03.2023
Regulatory Compliance IT Advisor
BBVA
09.2016 - 03.2018
Regulatory Compliance Analyst
Banco Santander
01.2014 - 09.2016
Legal Intern
Ilse Jodts Legal and Taxes S.L
01.2013 - 01.2013
UCM & IEB
Double Degree in Law & Master in Stock Exchange
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