Summary
Overview
Work History
Education
Skills
Affiliations
Certification
Languages
Work Preference
Timeline
Open To Work
Hi, I’m

SOPHIE MOREAU

Luxembourg
SOPHIE MOREAU

Summary

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.

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
SOPHIE MOREAU