Open to opportunities

Ana Amaral

@anaamaral

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Senior AML/KYC analyst with 10+ years' experience in AML, KYC, transfer agency and compliance.

Luxembourg

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What I'm looking for

I am seeking a senior AML/KYC role focused on compliance, client onboarding and risk mitigation within a collaborative, regulation-driven financial services team.

I am a Senior Anti‑Money Laundering Analyst with over a decade of experience in AML/KYC, transfer agency services and compliance within Luxembourg's banking sector. I have specialized in client onboarding, enhanced due diligence, remediation and regulatory alignment with CSSF, MiFID II and other frameworks, working across private clients, life insurance and institutional funds.

I combine strong analytical skills with hands‑on platform experience (MultiFunds, Avaloq, eFront, ServiceNow, Fenergo) and collaborative stakeholder management, having contributed to risk assessments, custody and depositary services for UCITS, AIF, real estate and private equity clients. I am currently pursuing ACAMS certification to further deepen my AML expertise and drive compliance excellence.

Experience

Work history, roles, and key accomplishments

Senior AML/KYC Analyst

Crédit Agricole

Jan 2024 - Sep 2024 (8 months)

Ensured AML/CFT and KYC compliance for private clients and insurance contracts, managing onboarding through ongoing monitoring and improving documentation integrity across account lifecycles.

AML CFT KYC Onboarding Regulatory Compliance Avaloq ServiceNow

Transfer Agent Officer

Brown Brothers Harriman

Jun 2022 - Nov 2023 (1 year 5 months)

Conducted AML/KYC due diligence for institutional clients, monitored FATCA/CRS and investor documentation, and resolved outstanding compliance issues to maintain onboarding integrity.

KYC Transfer Agency FATCA KYT Due Diligence ServiceNow

Senior AML/KYC Analyst

Swiss Life

Sep 2021 - Feb 2022 (5 months)

Remediated life insurance contracts and performed enhanced due diligence and ongoing monitoring to mitigate AML/CTF and TFS risks, coordinating remediation with internal stakeholders.

AML TFS Risk Assessment Client Data Management

Securities Transfer Officer

BNP Paribas

Aug 2020 - Jul 2021 (11 months)

Managed securities transfer and settlement operations while performing AML/KYC due diligence for institutional clients and optimizing remediation and transaction monitoring processes.

Transfer Agency Securities Settlement KYC KYT Transaction Monitoring

Junior AML/KYC Analyst

BNY Mellon

Feb 2019 - Jul 2020 (1 year 5 months)

Supported transfer agency operations with KYC/AML controls, managed shareholder registers and onboarding for private capital funds, and improved data integrity and operational workflows.

KYC Transfer Agency Shareholder Register Onboarding Risk Management Compliance Monitoring

Business Analyst Consultant

Secretary+

Jul 2017 - Dec 2018 (1 year 5 months)

Delivered B2B customer service and inside sales support across multiple clients, improving back-office processes and supporting accounts payable and export operations.

Business Analysis B2B Support Inside Sales Accounts Payable Back Office Operations client support Cross Functional Collaboration French

Business Analyst Consultant

Office-Team

Jan 2007 - May 2017 (10 years 4 months)

Provided commercial assistance, contract administration, and inside sales support across healthcare and industrial clients, enhancing order-processing and customer support workflows.

Business Analysis Contract Administration Inside Sales Order Processing Customer Support B2B Operations Multilingual Communication Process Improvement

Credit Risk Analyst

BPN Créditus

Aug 2003 - Jul 2007 (3 years 11 months)

Assessed creditworthiness and managed a portfolio of credit accounts using AS-400, producing credit reports and mitigation strategies that reduced bad debt exposure.

Credit Risk Analysis Collections AS 400 Portfolio Management & Compliance

Education

Degrees, certifications, and relevant coursework

ACAMS Institute

Anti-Money Laundering Specialist (certification), Anti-Money Laundering

Pursuing the Anti-Money Laundering Specialist certification (ACAMS) with expected completion in 2025.

Certification en Marchés Financiers et Instruments Financiers

Certification, Financial Markets

2018 - 2018

Completed the Certification en Marchés Financiers et Instruments Financiers in 2018 to strengthen knowledge of financial markets and instruments.

Universus, Business School at Porto

Master degree of Business Administration, Business Administration

2001 - 2004

Completed studies in business administration, gaining knowledge relevant to finance and administration between 2001 and 2004.

Onem Job Center, Bruxelles

Vocational Training

Undertook training at the Onem Job Center and completed a six-month internship at Edebex fintech, focusing on back-office and risk collections processes.