Renata Hoes

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Renata Hoes is a seasoned compliance and anti-financial crime expert based in Luxembourg, with over two decades of experience in the financial services sector. Her career encompasses leadership roles in investment funds, insurance, and cryptocurrency compliance. Professional Background: Renata is an independent compliance consultant and AML trainer, offering services such as policy development, regulatory advisory, and training through platforms like Truelancer. Previous Positions: Regulatory Compliance Manager at Bitstamp Europe S.A., where she ensured adherence to regulatory requirements and internal policies. Chief Compliance Officer, MLRO, and Data Protection Officer at MFEX Luxembourg S.A., overseeing compliance in the investment sector. Leadership roles at Generali Investments Luxembourg S.A., PwC, Schroders, Lombard International Assurance, and Zurich Insurance. Academic Qualifications: - MBA from Boston University - BA in Clinical Psychology Professional Certifications: - Certified Fraud Examiner (CFE) - Certified Anti-Money Laundering Specialist (CAMS) Industry Involvement - President of the Luxembourg Chapter of the Association of Certified Fraud Examiners (ACFE). - Active member of various working groups within the Association of the Luxembourg Fund Industry (ALFI) and the Association of Compliance Officers (ALCO). Publications & Thought Leadership: Renata co-authored an article titled “The evolving role of compliance: How companies need to enforce their three lines of defence to protect the business,” published in the Journal of Financial Compliance. The paper discusses strengthening compliance environments to prevent major scandals. Freelance Services As a freelancer, Renata offers: - Proofreading and editing services. - Compliance consulting and AML training. - Resume writing and interview coaching. Her diverse experience and active participation in industry groups make her a respected figure in Luxembourg’s compliance and financial crime prevention community.