Carolina Rodrigues

Fintech Compliance Officer / MLRO @XCOEX

Crypto⚖️ Legal🧨 Consulting🏦 FinanceCompliance OfficerAuditorParalegal

Carolina Rodrigues is a seasoned Fintech Compliance Officer and Money Laundering Reporting Officer (MLRO) at XCOEX, a leading company in the financial technology sector. With a solid background in finance and compliance, Carolina has honed her skills in managing risks, implementing compliance strategies, and ensuring adherence to regulatory standards. Her expertise extends to areas such as anti-money laundering (AML), know your customer (KYC) procedures, and regulatory compliance in the fintech industry. Carolina's keen understanding of the regulatory landscape in fintech, coupled with her commitment to maintaining high ethical standards, has been instrumental in driving XCOEX's success and integrity in a rapidly evolving industry.

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C-level Executive

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Brazil

Work Background

Self-employedConsultant - Crypto Compliance / AML

Jan. 2023Europe · RemoteAdvisory on: - Launch of new crypto products; - Entering new markets; - Client risk segmentation; - Compliance control framework; - Alerts management; - Risk assessment.

XCOEXChief Compliance Officer / MLRO

Apr. 2022Portugal- Preparation of the AML and Compliance frameworks: drafting of policies, engagement with screening/filtering systems’ providers, review of the local regulatory requirements, etc. - Regulatory watch in Portugal and other jurisdictions

XCOEXCountry General Manager

Apr. 2022 - May. 2023Lisboa, Portugal- Setting up of the legal entity in Portugal - Coordination of tasks with external providers (law firms, accounting firms, banks, etc.) - Management of the licensing process in Portugal and other jurisdictions (e.g. Spain and Italy)

Jul. 2020 - Apr. 2022Lisbon, Portugal- Advisory on ABC, Market Integrity, Professional Ethics/Conduct, Protection of the Client’s Interests, AML-CFT, KYC, KYS, KYX, FATCA/AEOI - Design and implement projects on the above compliance risk domains - Act as a Territory Compliance Point-of-Contact - Participate to the 2nd LoD controls - Draft internal Compliance procedures - Provide dedicated training on the above compliance risk domains - Support the Regulatory Office (coordination of relations with national and supra-national regulators and supervisors) - Coordination of Data Protection streams for the Territory Compliance function

BNP ParibasTerritory Anti-Bribery and Corruption (ABC) Correspondent

Jul. 2020 - Apr. 2022Lisbon, Portugal- Deployment of the Group's ABC framework in the Territory - Point-of-contact for advisory / escalation of incidents - Participate to the KYC, KYS and KYX onboarding processes with ABC risk - Support departments in the implementation of the ABC framework - In charge of the ABC 2nd Line of Defence controls - ABC regulatory watch

BNP ParibasCompliance Advisor - Compliance Governance Office

May. 2017 - Jul. 2020Paris, France / Lisbon, Portugal- Design of Compliance processes: Co-penholder of the Group’s policy for Compliance’s approval of new activities/products and exceptional transactions. - Project roll-out from conceptualisation to implementation: Set-up of a Decision Forum for a streamlined decision-making process at the Group Compliance Executive Committee level; contribution to the design and implementation strategy of the new tool for the tracking of the implementation of Group policies' provisions at local entities around the world and of the new tool to manage the workflow in Compliance decision-making and keep record of the decisions taken. - Governance and management of Group's policies and procedures in connection to MiFID II, FATCA, AEOI, AML, KYC, International Financial Sanctions, and other matters: Production of monthly/quarterly reports on the Group’s corpus of policies and procedures. - Consultee on new and revised Group policies and procedures (project mode): Alignment of Financial Security’s policies (KYC, Sanctions, PEPs) with the routing/escalation process for Compliance’s decisions and identification of potential Compliance risks. - Advisory on implemented policies and procedures (BaU): Consistency checks and gap analysis between Compliance’s standards in Group policies and procedures. - Relations with regulators: Preparation of reports for ad hoc meetings with national a supranational regulators and other documents requested for inspection purposes.

EYTax Consultant - Financial Services Organisation (FSO)

Sep. 2015 - May. 2017Lisbon Area, Portugal- Advisory on FATCA and AEOI regulation for Financial Institutions and Multinational Groups with Financial Institutions and Non-Financial Institutions: Preparation of workshops (attendees: Heads of Tax, Compliance, Business, Marketing, IT), preparation of internal guidelines, preparation of FATCA/AEOI forms for client identification, assistance with client classification, advisory for entity classification within the Groups, assistance with the reporting. - Tax advisory for Financial Institutions (including banks, funds and insurance companies): Draft of legal/tax opinions, draft of requests for clarification to the Tax Authority, preparation/review of the Corporate Income Tax returns, tax audits and respective reports of identified issues (analysis of the annual Corporate Income Tax assessment, withholdings on payments to non-residents), project on the reassessment of the value for tax purposes of bank’s real estate portfolio. - Kick-off the MiFID II project: Initiation of EY’s Advisory team in Portugal for MiFID II topics.

Nova School of Business and EconomicsField Researcher in Health Economics

Mar. 2015 - Jun. 2015Hospital and Primary Care CentersResearch project led by Instituto de Higiene e Medicina Tropical and NOVA School of Business and Economics, within the fields of Health Economics and Public Health, on "How are doctors reacting to the economic crisis?". My responsibility is to interview doctors in their work environment and gather information about the effects the economic crisis has had in their jobs, their career prospects and their daily life, and also their opinion about how the crisis has been affecting patients and health care as a whole.

Banco Espírito Santo S.A.Summer Intern - Macroeconomic Research Department

Jul. 2014 - Aug. 2014Lisbon Area, PortugalMy responsibility was to study the internationalization of the Renminbi as well as its impacts for China and for the rest of the world, and to present a final report on this subject by the end of the internship. As more of routine tasks, I was also in charge of updating all major economic indicators for daily and weekly publications of the bank, and to gather data on the black market exchange rate of the Dollar in Venezuela for the purpose of an assignment of a senior colleague.

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