Viktoriya Kircheva
Compliance Expert
Sofia
Summary
With over 5 years of experience as a Compliance Anti-Money Laundering (AML) Expert, I specialize in navigating complex structures and Ultimate Beneficial Ownership (UBO) across multiple jurisdictions, addressing Counter-Terrorist Financing (CFT) concerns. Using advanced investigative techniques, I trace funds, identify beneficial owners, and ensure compliance with stringent AML/CFT regulations globally. My expertise mitigates risks associated with complex structures, safeguarding against money laundering, financial crime and terrorist activities. Continuously updated on regulations and technology, I enhance compliance protocols to adapt to evolving threats and maintain financial integrity internationally.
Overview
17
17
years of professional experience
10
10
years of post-secondary education
3
3
Languages
Work History
AML Compliance Expert KYC/KYT
UBB Bank
12.2021 - Current
- Recognizing various types of complex entities such as trusts, shell companies, and complex ownership structures.
- Understanding the motivations behind the creation of complex structures in connection with AML EU regulations.
- Techniques for unraveling intricate ownership chains to determine ultimate beneficial ownership (UBO).
- Utilizing advanced investigative tools and databases to trace ownership links across jurisdictions.
- Developing risk assessment frameworks tailored to complex structures, considering factors such as jurisdictional risk, beneficial ownership opacity, and regulatory scrutiny.
- Implementing enhanced due diligence measures for high-risk entities and beneficial owners.
- Keeping up-to-date with changing regulatory requirements concerning complex structures, including anti-money laundering (AML), counter-terrorist financing (CTF), and tax compliance regulations.
- Understanding the implications of global initiatives such as the Financial Action Task Force (FATF) recommendations and beneficial ownership transparency initiatives.
Senior Private Banker/Compliance Coordinator
Premium Legal Solutions Ltd
01.2019 - 09.2021
- Navigateing the intersection of wealth management and regulatory adherence, ensuring both client satisfaction and compliance integrity.
- Cultivating strong relationships with high-net-worth individuals.
- Facilitating communication between banking and compliance teams.
- Managing KYC and AML procedures, detecting and preventing illicit financial activities.
Private Banker
OTP Bank
12.2013 - 01.2019
- Providing personalized financial services and wealth management solutions to high-net-worth individuals (HNWIs) and ultra-high-net-worth individuals (UHNWIs).
- Building and maintaining strong relationships with high-net-worth clients through proactive communication and personalized service.
Understanding clients' financial objectives, risk tolerance, and investment preferences to offer suitable solutions. - Providing expert financial advice and guidance on investment opportunities, asset allocation, and portfolio management.
Business Development Manager
Raiffeisen Bank
01.2011 - 04.2013
- Targeting potential clients, including SMEs, corporate, and individuals.
- Developing strategies to generate leads and expand the client base.
Financial Consultant
Raiffeisen Bank
10.2007 - 01.2011
- Providing expert guidance on various loan products, explaining terms and conditions.
- Assisting clients with accurate and timely completion of loan applications.
- Facilitating the application process.
Education
Bachelor of Science - Philosophy And Logic
Sofia University , Bulgaria
Sofia 09.2000 - 06.2006
High School Diploma -
31 "Ivan Vasov"
Sofia, Bulgaria 09.1996 - 06.2000
Skills
Accomplishments
1st place Philosophy olympiad/ Sofia 2000
Timeline
AML Compliance Expert KYC/KYT
UBB Bank
12.2021 - Current
Senior Private Banker/Compliance Coordinator
Premium Legal Solutions Ltd
01.2019 - 09.2021
Private Banker
OTP Bank
12.2013 - 01.2019
Business Development Manager
Raiffeisen Bank
01.2011 - 04.2013
Financial Consultant
Raiffeisen Bank
10.2007 - 01.2011
Bachelor of Science - Philosophy And Logic
Sofia University , Bulgaria
09.2000 - 06.2006
High School Diploma -
31 "Ivan Vasov"
09.1996 - 06.2000
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