Financial Crime & Compliance Lead

Feltham, Middlesex

Email: louieferrer@yahoo.com | Tel: 07595 292295

Professional Summary

Experienced Deputy MLRO/Financial Crime leader with 15+ years across payments, banking,

fintech, gambling and reg‑tech. Specialist in building proportionate, best‑in‑class AML/CTF and

wider financial crime frameworks for start‑ups and scale‑ups, then rolling up sleeves to run

day‑to‑day operations (CDD/EDD, screening, transaction monitoring, investigations and SARs).

Recent work includes advising two Electronic Money Institution (EMI) applicants through their

FCA authorisation journeys, enhancing frameworks, coaching MLROs, and supporting applications.

Known for pragmatic, commercially‑astute decision‑making, clear stakeholder communication, and

the ability to stand up functions and teams from zero.

Core Competencies

• Frameworks & Policies: AML/CTF, sanctions, fraud, ABC, tax evasion – design,

gap‑analysis, overhaul & implementation

• Hands‑on operations: CDD/EDD, screening (PEPs/sanctions/adverse media), onboarding,

TM alert handling, investigations, SARs

• Payments & EMI: API/EMI permissions, FCA applications & supervisory engagement,

JMLSG, MLRs 2017 (as amended), PSRs 2017

• Risk Assessment: enterprise & product risk assessments, customer risk scoring models,

methodology & MI

• Regulatory Response: remediation, s166/skilled person support, SAMLP/thematic actions,

effectiveness testing

• People & Build‑out: hiring and leading analysts, training, QA/QC, procedures, MI &

dashboards

• Tooling: screening configuration, TM scenario tuning & test scripts; vendor selection &

implementation

Recent Consulting & Leadership Experience

Ferrer Consultancy Services — Managing Director (Financial Crime & Compliance) | Mar

2023 – Present

• Led financial crime engagements for two EMI clients undergoing FCA authorisation,

advising incumbent/nominee MLROs and senior leadership.• Reviewed and enhanced AML/CTF, sanctions and fraud frameworks end‑to‑end:

policies, standards, procedures, KRIs/KPIs, and MI.

• Prepared and supported FCA application packs (incl. governance, systems & controls,

TM methodologies, customer risk models, outsourcing oversight, and training matrices).

• Implemented CDD/EDD playbooks, screening configurations (PEP/sanctions/adverse

media), and TM scenario design & tuning; authored SARs procedures and investigation

workflows.

• Set up proportionate first‑line onboarding controls for early days of go‑live; designed QA/

QC and effectiveness testing for scale‑up.

Shweed — COO / Compliance Director / Board Member | Apr 2021 – Present

• Built and maintained the firm’s financial crime governance, including fraud prevention,

ABC, and a customer risk assessment model; implemented automated compliance

solutions in partnership with engineering.

• Oversight of compliance programme, regulator liaison, and policy lifecycle; led

cross‑functional risk initiatives.

Deloitte — Manager, Financial Crime (Forensic) | Jul 2021 – Nov 2023

• Advised banks and FS firms on financial crime frameworks across AML, sanctions,

fraud, ABC and anti‑tax evasion.

• Delivered risk assessments, policy/standard refreshes, control design & testing, and

regulatory response (incl. SAMLP & skilled‑person follow‑ups).

• Led client workshops; authored TM look‑back approaches and effectiveness testing

playbooks; drafted and ran test scripts.

Earlier roles (selected)

Kompli‑Global — Operations Manager & Financial Crime SME | 2017 – 2021

• Managed KYC/compliance teams; designed EDD/ABC reports; trained staff and clients;

contributed to onboarding and adverse‑media platform builds; wrote AML/KYC policies

and risk assessments.

Credit Suisse — AML Advisory (Contract) | 2016 – 2017

• 2LoD advisory, high‑risk client approvals, SoW/SoF aggregation, and procedure

ownership; stakeholder engagement across PB/IB/AM.

Santander — Financial Crime Consultant (Contract) | 2016

• Established 2LoD QA, TM and Trade Finance functions; designed TM scenarios/rules;

wrote QA scripts and training.

London Capital Group — Head of KYC & Client Onboarding | 2014 – 2015

• Led onboarding & payments/transactions teams; ran AML monitoring programmes; MI to

the Executive Board.Caesars UK — Compliance & Risk Officer / Deputy MLRO | 2009 – 2014

• Investigations, TM rule‑setting, SARs to SOCA/NCA, site audits, board reporting, and

regulator liaison.

Selected Achievements

• FCA authorisation support (EMI): Drove two EMI applicants’ AML/CTF readiness from

gap‑analysis through policy overhaul, control build, and application support, enabling

credible submissions and regulator engagement.

• TM effectiveness uplift: Designed and tested TM scenarios and alert handling

runbooks, improving signal‑to‑noise and enabling lean L1/L2 operations for a start‑up

context.

• Proportionate frameworks: Rewrote policy stacks to be risk‑based and scalable, with

clear board‑level risk appetite translation into operational KRIs/KPIs and MI.

• Function build‑out: Hired, trained and led multi‑disciplinary teams (KYC/TM/QA), setting

SOPs, QA/QC and coaching pathways.

Education & Certifications

• ICA Advanced Certificate in Anti‑Money Laundering (2020)

• LLB (Hons) Law, London Guildhall University