Henrique Ferreira Cerqueira
Madrid
Summary
Financial Crime Specialist with expertise in fraud investigation and regulatory compliance. Leveraging data-driven insights to enhance detection logic and cross-functional processes, consistently improving alert precision and minimizing financial losses. Holds ICA AML & Advanced Fraud Certification.
Overview
13
13
years of professional experience
Work History
Senior Specialist, Fraud & Risk Intelligence
Mastercard
Madrid
10.2025 - Current
- Collaborated cross-functionally on go-to-market delivery, equipping sales with actionable plans, product materials, pricing guidance, and targeted training to enhance market readiness.
- Monitored early product performance for Customer Success, analyzed key data points, and developed reporting tools to provide clear insights for decision-making.
- Provided subject-matter expertise in Financial Crime and product capabilities to guide internal teams and customers.
- Work with financial institutions, fintechs, acquirers, and merchants to demonstrate the strategic value of Mastercard's fraud-risk solutions, identify operational vulnerabilities, and support partners in strengthening their fraud controls.
- Created concise documentation on emerging fraud trends, typologies, regulatory developments, and market insights to educate clients and internal stakeholders through case studies and best-practice guides.
AML & Fraud Prevention Specialist
Mangopay
Madrid
05.2024 - 10.2025
- Led complex AML investigations, leveraging transaction analysis and behavioral pattern recognition to identify sophisticated schemes and escalating high-risk cases for Suspicious Activity Report (SAR) drafting based on internal detection models and identified typologies (e.g., mule accounts, impersonation, identity theft, phishing).
- Managed high-volume daily operations, efficiently overseeing 60% of fraud alerts and 50% of transaction screening, while conducting thorough CDD/EDD checks in strict adherence to risk appetite and regulatory standards.
- Drove strategic enhancements to financial crime defences by refining detection logic for AML and Sanctions monitoring systems on the Rule Review Committee, leading the Process & Risk Mapping initiative to standardise fraud operations, and elevating company-wide compliance knowledge through the Compliance Workshop for sales, Customer Success Managers (CSM), and frontline teams.
- Collaborated cross-functionally with Compliance, Risk, Product, and Tech teams to enhance monitoring controls and deliver actionable insights that supported strategic fraud and AML decisions for senior management.
- Mentored and trained new employees on fraud detection processes, internal systems, AML regulations, and compliance best practices.
- Consistently rated 'Above Expectations' for trust, accountability, and excellence in performance during the first year.
Fraud Analyst
Accertify an American Express company
Madrid
03.2023 - 05.2024
- Reviewed high-risk customer profiles, adeptly identifying key risk indicators and recommending effective mitigation measures, while also analyzing dispute data and reporting workflows to significantly reduce operational errors and enhance consistency in fraud case handling.
- Developed and delivered a comprehensive Excel training session, successfully upskilling colleagues in data handling, advanced formulas, and crucial analytical techniques.
- Recognized for exceptional performance, achieving an 'Above Expectations' rating in goal achievement and an 'Exceptional' rating in leadership during my first year.
E-Banking Reporting Officer (Maternity leave)
BNP Paribas
Lisbon
11.2022 - 03.2023
- Contributed significantly to the development and Quality Assurance (QA) testing of new e-banking features, ensuring full functionality and compliance prior to deployment for corporate clients.
- Collaborated effectively on critical system adjustments, specifically tailoring solutions to meet the unique and evolving needs of corporate clients.
Consultant (Compliance Systems & QA)
Inetum
Lisbon
05.2021 - 05.2022
- Ensured system quality assurance for internal clients, optimising performance and reliability.
- Collaborated with cross-functional teams to model and optimise systems, aligning solutions with specific corporate client needs.
Operations Analyst
Wilson Sons
Rio de Janeiro
06.2018 - 07.2020
- Conducted comprehensive Customer Due Diligence (CDD) and compliance checks for maritime operations, mitigating risk.
- Developed and implemented a real-time KPI dashboard, enhancing performance tracking and data-driven decision-making.
- Provided expert advice to various departments on critical regulatory documentation and licensing requirements.
International Compliance Analyst
MODEC, Inc.
Rio de Janeiro
07.2013 - 06.2018
- Planned and executed internal audits focused on export compliance, successfully identifying control gaps and recommending improvements to prevent regulatory breaches.
- Strengthened internal controls, sanctions compliance, and regulatory reporting frameworks across export and cross-border operations.
Education
BBA - Business Administration And Management
UNIGAMA
Rio De JaneiroSkills
- Financial Crime Investigations (AML & Fraud)
- Transaction Monitoring & Rule-Based Detection
- Fraud Risk Management
- KYC, CDD & Enhanced Due Diligence (EDD)
- Regulatory Compliance (AML/CFT)
- Product Analytics
- Payment Processing
- Data Analysis
- Process & Control Optimisation
- Risk Escalation
- Team Mentoring
Languages
- English, C1
- Spanish, B2
- Portuguese, Native speaker
Certifications
- Advanced Certificate in Managing Fraud – International Compliance Association (ICA)
- Certificate in Anti-Money Laundering (AML) – International Compliance Association (ICA)
- Product Management & Analytics – PM3
- Transaction Monitoring Certification – Sumsub
- Suspicious Activity Reporting (SAR) – Financial Crime Academy
- KYC Foundations for Managing Financial Risk – Financial Crime Academy
- Financial Technology Innovations – University of Michigan
- Business Intelligence Data Analyst - CodeCademy
- https://www.linkedin.com/in/henrique-c-20b79655/
Timeline
Senior Specialist, Fraud & Risk Intelligence
Mastercard
10.2025 - Current
AML & Fraud Prevention Specialist
Mangopay
05.2024 - 10.2025
Fraud Analyst
Accertify an American Express company
03.2023 - 05.2024
E-Banking Reporting Officer (Maternity leave)
BNP Paribas
11.2022 - 03.2023
Consultant (Compliance Systems & QA)
Inetum
05.2021 - 05.2022
Operations Analyst
Wilson Sons
06.2018 - 07.2020
International Compliance Analyst
MODEC, Inc.
07.2013 - 06.2018
BBA - Business Administration And Management
UNIGAMA