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Vinicius Pinho

@viniciuspinho

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I build compliance, AML, risk, and internal control programs for regulated financial institutions.

United States

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What I'm looking for

I'm looking to lead or advise regulated organizations on practical compliance, AML/CFT, enterprise risk, governance, and internal-control programs, including regulatory readiness, investigations, ethics, and fintech or payments compliance.

I'm currently leading compliance, AML/CFT, governance, risk management, and internal-controls advisory projects at The Sharp Fintech Consulting for financial institutions, payment institutions, fintechs, and institutional clients.

Previously, I built and led Grupo FNX's compliance, ESG, operational risk, and internal controls function, implementing its Integrity Program, AML monitoring, enhanced due diligence, e-learning platform, and whistleblowing channel. I also co-led a blockchain traceability project supporting transparency and supply-chain integrity in gold operations.

At FAPES/BNDES, I led compliance, risk management, internal controls, and ethics activities for a pension fund and health insurance provider. My work included fraud investigations, AML and due-diligence programs, whistleblowing operations, committee reporting, data protection, and responsible investment initiatives.

Across 25+ years in financial services, payments, capital markets, reinsurance, and consulting, I've built practical programs for regulatory compliance, governance, fraud prevention, and audit readiness. I'm a certified compliance, fraud examination, and risk professional, as well as an author, speaker, educator, and co-founder of ABC-Bet.

Experience

Work history, roles, and key accomplishments

Current

Compliance & AML Director

Current

The Sharp Fintech Consulting

Jan 2024 - Present (2 years 8 months)

Lead compliance, AML/CFT, governance, risk management, and internal controls advisory projects for regulated financial institutions, payment institutions, fintechs, and institutional clients. Support clients in designing and implementing compliance frameworks, AML policies, internal controls, training programs, whistleblowing channels, governance routines, and second-line monitoring practices.

Compliance AML CFT Governance Risk Management Internal Controls RCSA Effectiveness Reviews Executive Reporting Board Reporting KYC Enhanced Due Diligence Third Party Risk

Director of ESG, Risk and Compliance

Grupo FNX

Mar 2022 - Aug 2023 (1 year 5 months)

Built and led the compliance, ESG, operational risk and internal controls function for a national holding company in the gold trading sector. Developed and implemented the Integrity Program, AML monitoring framework, enhanced due diligence process, internal committees, e-learning platform and whistleblowing channel.

Compliance ESG Operational Risk Internal Controls AML Monitoring Enhanced Due Diligence E Learning Whistleblowing Governance

Executive Manager of Compliance, Risk and Internal Controls

FAPES/BNDES

Jan 2018 - Jan 2022 (4 years)

Led compliance, risk management, internal controls and ethics activities for a pension fund and health insurance provider linked to a major Brazilian development bank environment. Managed fraud investigations, whistleblowing channel operations, ethics matters and conflict-of-interest controls.

Compliance Risk Management Internal Controls Ethics Fraud Investigation Whistleblowing AML Enhanced Due Diligence Regulatory Compliance PREVIC Ombudsman Data Protection

Compliance and Fraud Prevention Manager

Moip Pagamentos

Mar 2015 - Dec 2016 (1 year 9 months)

Co-led compliance and regulatory structuring initiatives for a payment institution during its Central Bank authorization process. Developed and implemented the Integrity Program, whistleblowing channel, ombudsman function and management committees.