Open to opportunities

Richelle Lugtu

@rklugtu

AML/CFT compliance specialist and former MLRO delivering second-line oversight, training, and framework design for CSPs.

Philippines

Message

What I'm looking for

I’m looking for consulting or full-time roles where I can run an independent second-line AML/CFT function—owning framework design, risk assessments, SAR/STR workflows, and practical training that strengthens compliance culture.

I’m an AML/CFT compliance and business operations professional with 8+ years of Singapore-based experience across AML/CTF, KYC, client onboarding, regulatory compliance, and internal audit across CSPs, trust companies, and related regulated entities. I was a former appointed MLRO and Compliance Manager for a registered CSP and filing agent in Singapore, with hands-on experience in AML risk assessments, SAR/STR reporting, and policy development.

Since Dec 2024, I operate remotely as a compliance and AML consultant, providing fractional and outsourced AML/CFT support to CSPs, trust companies, family offices, and SMEs across multiple jurisdictions. I work as an independent second-line function—delivering AML/CFT framework reviews, enterprise risk assessments, internal control evaluations, remediation plans, and governance-ready compliance programmes, including IPPC frameworks aligned to regulatory requirements.

I also design interactive compliance training and annual staff training programmes (LMS ready), translating regulatory requirements and operational processes into practical role-based e-learning modules and SOPs. Previously, I owned the company’s AML/CFT framework end-to-end, managed STR/SAR escalation and reporting, led enterprise-level risk assessments and internal audits, and built compliance awareness and risk culture through staff and management training.

Experience

Work history, roles, and key accomplishments

Current

Compliance Framework & AML Consultant

Current

Independent Consultant

Dec 2024 - Present (1 year 7 months)

Provides fractional/outsourced AML/CFT compliance support as an independent second-line function for CSPs, trust companies, family offices, and SMEs across multiple jurisdictions. Delivers AML/CFT framework reviews, enterprise risk assessments, policy and training programme development, and risk-based client onboarding support.

AML CFT Compliance Second Line Compliance Policy Development Role Based Compliance Training SAR STR Workflow Support

Compliance Manager (MLRO)

Sovereign Management Services Pte Ltd

Dec 2022 - Dec 2024 (2 years)

Owned the company’s AML/CFT compliance framework and served as the appointed MLRO, overseeing STR/SAR processes and regulatory reporting. Conducted enterprise risk assessments, internal audits/second-line reviews, and delivered AML/CTF and KYC training to strengthen compliance controls and risk culture.

AML CFT Compliance Control Gap Analysis Internal Audit Second Line Compliance KYC Compliance Liaison

Compliance Officer / KYC Specialist

Sovereign Management Services Pte Ltd

Aug 2017 - Dec 2022 (5 years 4 months)

Managed first-line onboarding and KYC duties, including CDD/EDD completion, client identification/verification, risk profiling, and supporting account onboarding for corporate and trust structures. Later moved into second-line compliance to perform ongoing monitoring and reviews for AML/sanctions/regulatory risks and support policy and controls improvements.

Client Onboarding Identity Verification New Business Acceptance Support World Check OSINT PEP Screening Adverse Media Screening Compliance Monitoring AML Sanctions Regulatory Risk Reviews Jurisdiction Specific Onboarding Support Compliance Support

Admin, Sales & CRM Exec

LES / Precise Trading LLC

Dec 2014 - Dec 2016 (2 years)

Coordinated end-to-end client order processing and maintained accurate internal reporting across departments. Managed corporate and individual client accounts and supported follow-up using a CRM database in coordination with sales, procurement, and operations teams.

Order Processing Client Account Management Sales Operations Cross functional Coordination

Operations Officer / Customer Service

Juma Al Majid Group

Oct 2013 - Dec 2014 (1 year 2 months)

Provided customer service and sales support for Hyundai and Kia Motors accounts, handling inquiries, follow-ups, and complaint resolution. Supported lead generation and sales coordination with sales and service teams.

Customer Service Account Support Sales Support Lead Generation Sales Coordination Complaint Resolution

Medical Sales Representative / PHSR

Market Insighting Foresighting Inc.

Dec 2011 - Jul 2012 (7 months)

Conducted sales visits and product presentations to medical practitioners and healthcare outlets. Managed client relationships, coordinated promotional activities, and prepared sales reports for management.

Medical Sales Product Presentations Client Relationship Management Promotional Activities Sales Reporting

Customer Service Rep – Inbound Sales

GlobalSpan Corporation

Jun 2008 - Jun 2009 (1 year)

Handled inbound customer inquiries, service requests, and sales transactions for Dish Network (Satellite USA). Resolved customer concerns and provided product and account support aligned to service standards.

Inbound Customer Support Service Request Management Sales Support Product Support

Customer Service Rep – Outbound Sales

Epixtar Philippines IT-Enabled Services Corp.

Sep 2006 - Dec 2007 (1 year 3 months)

Performed outbound sales calls to prospective and existing customers for Dish Network (Satellite USA). Generated leads, promoted products and services, and closed sales against defined targets.

Outbound Sales Lead Generation Product Promotion Sales Closing Customer Outreach