Carmen Garcia-Nieto

Provide Financial Crime Compliance (FCC) advisory services aligned with EU and global AML/CFT regulatory requirements. Design and implement QC/QA frameworks for KYC/CDD processes, including four-eyes reviews and sample-based testing. Deliver AML/CFT training to technical teams and senior management, while reviewing External Expert Reports to ensure regulatory robustness. Support business development through client advisory, proposal preparation and regulatory thought leadership on sanctions, cryptoassets and AML trends.

Led Financial Crime Compliance oversight and monitoring activities across the Americas region and multiple global business lines within Banco Santander. Managed the implementation of the Global FCC Target Operating Model (TOM) and the Enterprise-Wide Financial Crime RCSA covering AML, Sanctions and ABC risks across 100+ assessment units. Responsible for FCC governance, KRIs/KPIs reporting to senior management and Board committees, as well as FCC review of new products, strategic transactions and escalation management.

Seconded from Santander Group as Due Diligence Advisory and Operational Effectiveness Lead to support KYC/CDD policy interpretation, improve operational efficiency and reduce ambiguity across compliance processes. Developed proportionate treatment strategies across the KYC/CDD portfolio to streamline activities while maintaining regulatory integrity and risk management standards. Responsible for identifying, implementing and reporting operational effectiveness improvements.