Virginie Couret

As founder of Studio Compliance, I support banks, fintechs, payment and e-money institutions and insurers on anti-money laundering and counter-terrorist financing, international sanctions and regulatory risk.

 

I step in when the pressure is high and time is short, whether it is an ACPR inspection, a regulatory deadline such as the AMLR 2027, a vacant key position or a new framework to build.

 

Background

 

Twenty-five years across traditional banking and fintech, in management and in leading compliance projects.

• Retail banking. Head of compliance studies and projects (AML/CFT, fraud, GDPR, anti-corruption, regulatory reporting), then head of tax compliance (FATCA, AEOI, QI).

• Online bank. Compliance by design lead in a major overhaul of the bank's offering.

• Fast-growing e-money institution. Head of Risk & Compliance Projects, managing a FinCrime team, risk assessment, scoring, regulatory documentation, ACPR remediation.

• Since 2023, Studio Compliance. Engagements with banks, insurers, fintechs and regtechs.

 

Areas of expertise

 

• AML/CFT, customer due diligence and beneficial ownership, transaction monitoring, suspicious transaction reports

• International sanctions and asset freezing

• Remediation after inspections and relations with supervisors

• AMLR 2027 and AMLA standards

• Operational and compliance risk mapping

• Ongoing controls, governance and committees

• Outsourcing (EBA guidelines, DORA)

• Compliance by design and compliance tools (AI, data, automation)

 

Certifications and commitments

 

• CAMS, Certified Anti-Money Laundering Specialist (ACAMS)

• AMF certification

• OSINT investigation (Marvadrisk)

• Board member of the ACAMS France Chapter

 

Languages

 

French, English and Spanish.

 

Working together

 

Five targeted services, the AMLR 2027 gap assessment, Remediation after an ACPR inspection, the Outsourced or interim AML/CFT Officer, Building the risk and compliance function and the Sanctions and asset freezing framework, detailed in the Our services menu.

 

An initial call is the best way to review your situation. Write to contact@studio-compliance.com or use the contact form.