With over ten years of experience in audit, compliance, and risk management, I am a driven and dedicated professional who strives to ensure regulatory compliance, assurance, and internal controls in the digital banking and fintech sector. As the Head of Compliance & MLRO at YAP, an e-money institution that offers innovative and inclusive payment solutions, I lead the compliance function and oversee the anti-money laundering and counter-terrorism financing policies and procedures. My core competencies include compliance assurance, internal audits, regulatory compliance, fraud management, risk assessment, and reporting. I have a proven track record of conducting compliance reviews, audits, and investigations, as well as developing and implementing compliance frameworks, standards, and best practices. I have also successfully managed multiple compliance projects and initiatives and implemented end- to-end compliance solutions