Kristina Ivanova Nikolova

I’m a compliance professional with 10+ years of experience in FinTech onboarding, AML risk operations, and regulatory adherence. I specialize in KYB reviews, KYC/KYB documentation accuracy, and risk decisions that stand up to cross-jurisdictional scrutiny.

At Paysafe, Tide, and Crypto.com, I built a track record in corporate onboarding and underwriting—owning end-to-end documentation review, client setup, and regulatory sign-off. I perform PEP, Sanctions, and Adverse Media checks, and I escalate risk concerns with precision so the right teams can act quickly.

I bring strong LatAm market expertise, including onboarding for PagoEfectivo and SafetyPay, while monitoring updates to compliance requirements and regulatory amendments. In high-volume environments, I’ve used detection tools and investigation workflows to identify emerging fraud and AML trends with minimal delay.

I’m multilingual and compliance-minded: I translate and review regulated documentation to support accurate internal and external processing across Spanish, English, Italian, and Bulgarian. What I’m known for is attention to regulatory detail, fraud prevention focus, and clear written communication across client and stakeholder environments.