28.06.2026 aktualisiert

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teilweise verfügbar

Senior Compliance/AML Expert und Business Coach

Frankfurt, Deutschland
Weltweit
Bachelor of Arts (Business Administration)
Frankfurt, Deutschland
Weltweit
Bachelor of Arts (Business Administration)

Profilanlagen

Janina Schwarz Projectlist June 25_FL_EN.pdf
Janina Schwarz CV June 25_FL_EN.pdf

Skills

ChatGPTInterne KontrollenKapitalmärkteComplianceWirtschaftssanktionenFinancial Crime ComplianceRisikobasierte Interne RevisionGeldwäschebekämpfung
Senior Regulatory Compliance Advisor with over 15 years of experience in banking and financial services – from consulting (PwC, Capco, Baringa, Accenture) to leadership roles in FinTech and digital brokerage. I help institutions translate regulatory requirements into workable policies, controls and processes: pragmatic, hands-on and implementation-focused.

As former Central Compliance Lead at Trade Republic Bank, I built and led a team of 22 across AML, Complaints, Investment Compliance, Central Compliance, Monitoring & Testing, Data Privacy and Outsourcing. Registered with BaFin as Compliance Officer and MLRO, I developed the MaRisk matrix and AML risk assessment and managed annual regulatory reporting. Most recently, as Lead Compliance & AML at JT Technologies (justTRADE), I set up second-line controls, risk assessments and policy frameworks.

Since 2024 I have advised clients through my own firm, JS Consulting GmbH. Recent mandates include project lead for an AMLR preliminary study at an international payment provider (gap analysis, senior management reporting, AI workstream), a large-scale KYC remediation at a German state-owned bank, AML investigations and FIU reporting (EuroSig, Smaragd) at a pan-European commercial bank, and outsourced internal audit services.

Regulatory Skills
WpHG, WpIG, KWG, MiFID II/MiFIR, MAD/MAR, EMIR, MaComp, MaRisk, MaDepot, DepotG, GwG/AMLD, AMLR incl. RTS and consultations, AuA, MiCA, KAGB, DORA, DSGVO, BDSG, BaFin requirements, Internal Audit

Technical Skills
- Compliance & AML tools: Smaragd CCM, Smaragd MDS, EuroSig
- Project & workflow management: JIRA, Confluence
- Collaboration: SharePoint, Microsoft Teams
- Microsoft Office: Excel (PivotTables, macros), PowerPoint, Word, Outlook
- Reporting: Power BI (basic)
- AI: ChatGPT, Claude

Offerings
- AMLR readiness: gap analyses, preliminary studies, implementation planning
- KYC/CDD remediation, AML investigations and FIU reporting
- Policies, procedures and risk assessments (MaRisk, MaComp, AML, DORA)
- Design and testing of compliance controls (2nd line of defence)
- Start-up and FinTech compliance (AML, AFC, KYC, outsourcing, complaints)
- Sanctions and embargo advisory
- Internal audit assessments and audit finding remediation
- Compliance project management (agile, waterfall) and team leadership (up to 40 people)
- Training, workshops and stakeholder management

Erfahrung

Berufserfahrungmehr als 10 Jahre
Freelancer seit2022

Sprachen

DeutschMutterspracheEnglischverhandlungssicherFranzösischGrundkenntnisseSpanischGrundkenntnisse

Projekthistorie

Financial Crime and AML Advisory

Support for a German Bank on group level

Compliance and AML Lead

JT Technologies GmbH

Banken und Finanzdienstleistungen

10-50 Mitarbeiter

Interne Revision

Banken und Finanzdienstleistungen

10-50 Mitarbeiter

Interne Revisionsdienstleistungen für ein deutsches Unternehmen im Bereich Kapitalmarkt

Special Investigations AML

Banken und Finanzdienstleistungen

1000-5000 Mitarbeiter

Unterstützung bei der anaylse von Transaktionen mit auffälligem Zahlunsgverhalten. Sonderuntersuchungen mit Themenbezogenen Schwerpunkten.

Senior Expert for Markets Compliance Europe

Private Wealth Bank

Banken und Finanzdienstleistungen

5000-10.000 Mitarbeiter

  • Markets Compliance Gap Analysis (WpHG, MaComp, MaDepot, MaRisk, etc.) 
  • Review on Directives Procedures and Policies
  • Preparation of Action Tracking for Compliance
  • Preperation of L2 Control Plan and alignment with european branches
  • Drafting on Compliance Risk Assessment (MaRisk/MaComp)
  • WpHG and Annual Audit Support

Senior Compliance Expert

sino AG

Banken und Finanzdienstleistungen

10-50 Mitarbeiter

  • Support on  Personal Account Dealings 
  • Setting up and assess MaRisk/MaComp Risk Assessement including calculations, methodology, and regulatory content

Senior AML Expert

IKB

Banken und Finanzdienstleistungen

500-1000 Mitarbeiter

  • Advisory on Sanctions and Embargos
  • AFC and AML Support
  • Test Managment and Testing for Pythagoras
  • Communication with external stakeholders 
  • Preperation of AFC Judgements
  • Preperation of Traings and Slidedecks

Central Compliance Lead

Trade Republic Bank GmbH

Banken und Finanzdienstleistungen

500-1000 Mitarbeiter

Leading the Central Compliance function for Germany, Austria, France, Spain, Netherlands, Italy

Senior Manager/in

Trade Republic Bank GmbH
Leading the Central Compliance function for Germany, Austria, France, Spain, Netherlands, Italy
Building the operating model as well as the yearly workplan for the Compliance function. Assuring compliance
with the applicable legal inventory. Further assuring Policies and procedures as well as maintaining the
compliance risk matrix and the compliance workbook.

Manager/in

Accenture GmbH

Banken und Finanzdienstleistungen

1000-5000 Mitarbeiter

Subject Matter Expert for assessment and re-organisation of the target operating model in compliance and
AFC. Calculation of levers and comparison of benchmarks. Further closing of audit findings in KYC/AML by
leveraging system and process improvements.
Clients: Deutsche Asset and Wealth Management UniCredit Bank

Principal Consultant

Capco - The Capital Markets Company GmbH

Banken und Finanzdienstleistungen

250-500 Mitarbeiter

Lead Business Analyst and CR Manager for a global AML project including cross border support in European
regions. Further support in coordination for MiFID 2 implementation encouraging collaboration between
Front-Back Office and Compliance.
Clients: Commerzbank, OnVista Bank

Manager/in

Baringa Partners LLP; UBS
PMO Lead for a MiFID 2 Project. Planning resources, workstreams and preparation of presentations for key
stakeholders.
Client: UBS

Consultant/Senior Consultant

Capco - The Capital Markets Company GmbH
Project Manager for a KYC/CDD project in Asia region (Hong Kong 13 Months). Lead Business Analyst and PMO
for an EMIR Transaction Reporting (all asset classes).
Clients: HSBC, DeAWM (Deutsche Asset and Wealth Management)

Consultant

PwC AG
Consulting for Capital Markets & Accounting Advisory Services as well as audit support and IFRS advisor.
Further supporting conduction of SEC registration and IPO support
Clients: Puma, GIZ, German Real Estate Agency, Commerzbank

Zertifikate

Geldwäsche Intensiv

Forum Institut

2026

Berliner Geldwäsche Tagung 2025

Forum Institut

2025

Zertifizierter Auslagerungs-Manager (MaRisk) & IKT-Dienstleister-Steuerer (DORA)

Akademie Heidelberg

2025

Interne Revision

DIIR (Deutsches Institut für interne Revision e.v.)

2025

DORA - Umsetzung im Fokus der Aufsicht

Akademie Heidelberg

2024

Systemische Business Coach

Quadriga Hochschule

2023

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