Simran Bharaj

Simran is a financial crime subject matter expert, with 20 years working industry experience including being an interim MLRO/Head of Financial Crime, consultancy advisor and working as a financial crime Supervisor at FCA for several years. She was involved in the trade finance thematic review, SAMLP deep dives, Skilled Person reviews and imposition of VREQs. She now works with a variety of firms including payment services, e-money and crypto who are under regulatory/law enforcement scrutiny dealing with authorisations, complex remediation and advisory, crisis management, change management from process to technology implementation and wider operational control implementation.  Additionally, she is a regular opinion writer on economic crime issues for Thomson Reuters Regulatory Intelligence and FT Banking Risk and Regulation. Her most current project is with Stop the Traffick on how to identify modern slavery/human trafficking risks within financial services frameworks.