Cristina Chiriac
Geneva
Summary
Experienced Compliance Officer with 7+ years in regulatory compliance, risk management, AML/CFT, KYC, and due diligence. Skilled in developing and implementing compliance frameworks, managing audits, and ensuring regulatory reporting accuracy. Strong analytical abilities with a focus on risk identification and mitigation. Effective communicator, able to collaborate across teams and communicate compliance matters clearly at all levels.
Overview
10
10
years of professional experience
Work History
Specialist Compliance Officer
Symbiotics Asset Management SA
Geneva
03.2022 - Current
- Company Overview: Legal, Risk&Compliance Division, Switzerland
- Developing and implementing internal policies, procedures and controls (Swiss regulation: FINMA Circulars, AMLA, AMLO, FinSA, FinIA)
- Performing due diligence and AML/KYC checks on clients, investors and third parties (including review and validation of high risk relationships)
- Providing annual internal AML/ KYC training and developing content on other compliance topic
- Conduct compliance internal controls and audit (AML/KYC), suggest improvements and recommendations
- Addressing inquiries from the regulator and stakeholders (incl
- AML/KYC and compliance related)
- Reviewing and updating AML policies, AML self-risk assessment and AML risk appetite statement
- Contributing to various compliance and regulatory projects and initiatives, including integration of digital solutions
- Preparation of risk and compliance reports to Management and Board of Directors
- Temporary coverage for Head of Compliance (May-October 2023)
- Legal, Risk&Compliance Division, Switzerland
Corporate and Regulatory Officer
FARAD Investment Management
03.2021 - 02.2022
- Company Overview: Risk and Compliance Division, Luxembourg
- Performed AML/CFT functions, conducted KYCs, and stakeholders due diligence
- Created and revised regulatory policies and procedures
- Assisted the CEO in the implementation of Group Strategy and Development Plan
- Compiled dossiers for submission to the supervisory authority (CSSF)
- Coordinated meetings for Board of Directors, internal committees, management and shareholders
- Coordinated the Group’s marketing communication strategy and the FARAD Finance Forum organisation
- Risk and Compliance Division, Luxembourg
Operations and Regulatory Officer
NBG Asset Management Luxembourg
03.2020 - 03.2021
- Company Overview: Risk and Compliance Division, Luxembourg
- Drafted policies and procedures to enhance the Compliance and AML functions of the company
- Supported the Annual Regulatory Reporting to the CSSF (Compliance, AML/CFT, and risk management)
- Assisted Conducting Officers in risk management, regulatory compliance, AML, and oversight of delegates matters
- Ensured implementation of designated tasks and improved team efficiency on administrative level
- Facilitated the organization of Executive Committee and Board meetings
- Coordinated the annual external audit (financial and prudential)
- Risk and Compliance Division, Luxembourg
European Investment Bank Traineeship
European Investment Bank
10.2018 - 10.2019
- Company Overview: Restructuring and Resolutions Division, Luxembourg
- Drafted reports, presentations, notes, briefings and procedures (write-off and debt forgiveness, non-performing exposures and early warning systems)
- Reviewed restructuring and resolution procedures to address policy duplications and inconsistencies
- Assisted senior bankers in reviewing client requests, preparing event resolution proposals, and ensuring compliance with KYC requirements
- Conducted investigations for high-risk cases in restructuring, particularly those involving financial crime allegations
- Prepared the Restructuring Report for the Board of Directors of EIB
- Restructuring and Resolutions Division, Luxembourg
Junior Consultant
Technical Assistance for the European Neighborhood Programme to Agriculture and Rural Development (ENPARD)
12.2017 - 08.2018
- Company Overview: Ministry of Agriculture, Regional Development and Environment, Republic of Moldova
- Drafted the National Strategy for Agriculture and Rural Development, the regulation for advance payments scheme, and establishment documentation for the Local Action Groups
- Assisted in facilitating public consultations and negotiations with private stakeholders, institutions and public organizations
- Prepared the legal and financial documentation for the establishment the Guarantee Fund for Agriculture and Rural Development (including the feasibility study)
- Managed reporting and planning tasks, coordinating conferences, workshops, and roundtable discussions
- Ministry of Agriculture, Regional Development and Environment, Republic of Moldova
Junior Financial Expert
Deutsche Gesellschaft für Internationale Zusammenarbeit
06.2015 - 06.2017
- Company Overview: Project 'Modernization of Local Public Services in Republic of Moldova'
- Supported the Senior Financial Expert in the reorganization of a municipal enterprise into a joint stock company
- Conducted inventory and assessed the financial stability and organizational structure of the municipal enterprise, contributed to the formulation of the business plan
- Assisted technical experts by reviewing documentation, analyzing issues, and suggesting improvement solutions
- Project 'Modernization of Local Public Services in Republic of Moldova'
Prudential Regulation Officer
The National Bank of Moldova
09.2014 - 03.2016
- Company Overview: Banking Regulation and Supervision Department, Republic of Moldova
- Drafted guidelines, regulations and research reports on Supervision and Regulation Policy
- Analyzed baking sector activity and assessing the necessity to update procedures
- Managed the correspondence with the Banking Supervision and Regulation organizations
- Contributed to the implementation of Basel III requirements and harmonization with EU Banking Regulation
- Banking Regulation and Supervision Department, Republic of Moldova
Education
MSc. - Economics and Business Administration
University of Southern Denmark
Denmark04.2016
BSc. - Economics
“Babes-Bolyai” University
Romania07.2013
Skills
- Regulatory Knowledge: Expertise in compliance frameworks and regulations (eg, AML, KYC, financial services)
- Risk Management: Skilled in identifying, assessing, and mitigating compliance risks
- Analytical Ability: Strong in reviewing data to spot trends, discrepancies, and risks
- Attention to Detail: Skilled in thorough review of documents, transactions, and reports
- Communication: Clear in reporting, training, and advising teams on compliance matters
- Problem-Solving: Strong decision-making ability compliance situations
- Regulatory Reporting: Experienced in accurate reporting and documentation for audits
- Ethical Judgement: High standards of integrity and confidentiality in all compliance matters
Languages
- English, advanced
- French, upper intermediate
- Romanian, native
- Russian, advanced
Trainingandcertificates
- 2024 - 2025, Candidate Certified Anti-Money Laundering Specialist (ACAMS), in progress
- 2024, Certified Anti-Financial Crime Professional (CFCP), Financial Crime Academy
- 2023, AML for Investment Funds, Luxembourg
- 2023, Cross Border activities risks and FinSA rules of Conduct
- 2022, AML/KYC and Cybersecurity
- 2021, AML Training
Languages
Romanian
First Language
English
Proficient (C2)
C2
French
Upper Intermediate (B2)
B2
Russian
Advanced (C1)
C1
Timeline
Specialist Compliance Officer
Symbiotics Asset Management SA
03.2022 - Current
Corporate and Regulatory Officer
FARAD Investment Management
03.2021 - 02.2022
Operations and Regulatory Officer
NBG Asset Management Luxembourg
03.2020 - 03.2021
European Investment Bank Traineeship
European Investment Bank
10.2018 - 10.2019
Junior Consultant
Technical Assistance for the European Neighborhood Programme to Agriculture and Rural Development (ENPARD)
12.2017 - 08.2018
Junior Financial Expert
Deutsche Gesellschaft für Internationale Zusammenarbeit
06.2015 - 06.2017
Prudential Regulation Officer
The National Bank of Moldova
09.2014 - 03.2016
MSc. - Economics and Business Administration
University of Southern Denmark
BSc. - Economics
“Babes-Bolyai” University
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