Irina Gorokh

As an AML/CFT Specialist, my main responsibilities are:

• Active participation in a long-term, cross-functional transformation project focused on the redistribution and optimization of AML/CFT functions and controls across the Bank, playing a key role in transferring AML/CFT controls from the second line to the first line of defence.
• Conduct 150+ Enhanced Due Diligence (EDD) and Know Your Customer (KYC/KYB), verifying beneficial ownership, source of wealth/funds, and customer risk profiles to ensure compliance with AML/CFT requirements.
• Perform ongoing monitoring and periodic reviews for a portfolio of 90+ customer relationships, ensuring timely KYC refreshes and risk reassessments in line with regulatory deadlines.
• Review 3.000+ sanctions, Politically Exposed Persons (PEP), and adverse media screening alerts, investigating potential matches and escalating high-risk cases while maintaining a high level of screening accuracy. As a result, identified 20+ non-admissible clients, 150+ Politically Exposed Persons (PEPs) during customer onboarding, 100+ clients who became PEPs after onboarding, and 10+ clients subjected to sanctions or adverse media screening.
• Conduct 300+ transaction monitoring reviews and investigate potentially suspicious transactions by analysing customer activity, transactional behaviour, and supporting documentation to identify unusual patterns and detect potential ML/FT risks, ensuring timely escalation of suspicious activity and compliance with AML/CFT regulatory requirements. As a result, detected and escalated 50+ clients exhibiting potentially suspicious ML/FT activity to the Suspicious Activity Report (SAR) function for further investigation.
• Collaborate with 15+ stakeholders across Compliance, Operations, IT, Legal, Risk, and business functions to implement AML/CFT regulatory changes and compliance initiatives to ensure timely adaptation to AML/CFT legal requirements while minimizing operational and regulatory risks.
• Design, review, and continuously enhance AML/CFT policies and procedures to ensure compliance with regulatory requirements, strengthen the institution's financial crime control framework, and mitigate ML/FT risks.

As a Senior AML/CFT Consultant, my main responsibilities included:

• Perform 60+ external AML/CFT reviews/audits for regulated institutions in Spain and Andorra to detect weaknesses and areas for improvement in their internal AML/CFT controls and suggest actions to mitigate ML/FT risks (53 financial/8 assurance/4 real estate institutions). As a result, detected 200+ shortcomings in AML/CFT controls.
• Conduct 10+ ML/FT risk assessment reports to identify and assess ML/FT risks, enabling institutions to implement risk-based AML/CFT controls and ensure compliance with applicable regulatory requirements (8 financial/ 5 assurance institutions).
• Integration of AML/CFT regulatory requirements and Spanish FIU inspection criteria into AML/CFT policies and operational procedures of financial, banking, real estate, and insurance sector institutions, ensuring compliance with legal and regulatory obligations and effective governance.
• Manage relationships with +80 internal and external stakeholders to ensure the effective implementation of AML/CFT requirements, providing regulatory guidance, coordinating cross-functional initiatives, and driving alignment with financial crime prevention objectives.
• Provide strategic AML/CFT regulatory advisory services to regulated entities on EU, Spanish, and Andorran requirements, supporting the development and enhancement of compliance frameworks and readiness for supervisory inspections.

As a Financial Documentation Specialist, my main responsibilities included:

• Prepare, review, and negotiate international commercial agreements with corporate clients and service providers, as well as influencer marketing agreements, to ensure compliance with applicable legal and regulatory requirements, protect the fintech institution's interests, and clearly define the rights and obligations of all parties involved in the provision and promotion of fintech services.
• Ensure all documentation is clear, concise, and user-friendly for different audiences (developers, customers, and compliance teams) to promote consistent understanding, facilitate product adoption, and minimize operational and compliance risks.
• Assist in the preparation and organization of documentation for financial audits and regulatory examinations to facilitate timely audit responses and demonstrate compliance with regulatory requirements applicable to a fintech environment.
• Collaborate with cross-functional teams to streamline documentation processes and improve efficiency in financial data management by ensuring consistency, accuracy, and accessibility of critical information across the fintech organization.
• Work closely with customer support teams to address common user issues through documentation by creating clear knowledge resources that reduce recurring inquiries, improve the customer experience, and support the delivery of fintech services.
• Develop +5 comprehensive user manuals and product guides tailored to legal and financial compliance requirements to help users navigate fintech products effectively while ensuring adherence to applicable legal, regulatory, and internal compliance standards.
  

As a Banking Legal Analyst, my main responsibilities included:

• Conduct legal analysis of claims filed against the banking institution and oversee the progress of litigation files to ensure accurate case management, mitigate legal risks, and support the institution's legal defense strategy.
• Review, assess, and maintain records of customer claims related to alleged unfair contractual terms (abusive clauses) to identify recurring legal risks and support the implementation of corrective measures.
• Manage, verify, and maintain procedural and banking documentation to ensure the accuracy, completeness, and legal validity of documents submitted in judicial and administrative proceedings.
• Perform legal analysis of banking legislation and regulatory requirements applicable to the Spanish financial sector to support regulatory compliance and provide legal guidance on banking operations and products.
• Review, interpret, and assess contracts, commercial agreements, and regulatory documentation related to banking services and financial products to ensure legal compliance, identify contractual risks, and safeguard the institution's interests.
• Monitor legislative developments and regulatory updates affecting the banking industry to proactively identify regulatory changes, assess their impact on business operations, and support the timely implementation of compliance measures.

As a Legal Consultant, my main responsibilities included:

• Provide legal advisory services on banking and insurance law matters to support clients in navigating complex regulatory frameworks, mitigate legal risks, and ensure compliance with applicable legislation.
• Manage, negotiate, and recover non-performing loans (NPLs) through direct engagement with clients and counterparties to maximize debt recovery, facilitate amicable settlements, and protect clients' financial interests while ensuring compliance with legal and regulatory requirements.
• Conduct legal research and interpret applicable legislation, case law, and regulatory developments to provide accurate legal advice, identify emerging legal risks, and ensure that legal strategies remain aligned with current jurisprudence.