Carlo Marinoni
Brescia
Summary
AML/FinCrime professional with 9+ years of experience in financial crime investigations, SAR filing, compliance controls, and AML governance within major Italian banking groups. Experienced in acting as second line of defence for suspicious activity assessments, escalating high-risk cases, supporting regulatory interactions, and improving AML operational processes. ACAMS-certified with strong knowledge of Italian AML regulation, UIF reporting requirements, sanctions frameworks, and financial crime risk mitigation.
Overview
1
1
Certification
10
10
years of professional experience
Work History
AFC Senior Specialist
Intesa SanPaolo S.p.A.
12.2020 - Current
- Supported foreign subsidiaries in the implementation and enhancement of AML/CFT and financial crime control frameworks across multiple jurisdictions
- Coordinated remediation activities arising from regulatory inspections, internal audits, and AFC reviews, ensuring timely implementation of corrective actions
- Provided advisory support on AML, sanctions, trade finance, and transaction monitoring matters to international subsidiaries
- Contributed to the implementation of strategic AFC initiatives, including the adoption of NetReveal and the enhancement of sanctions screening and payment transparency controls
- Supported the management and escalation of high-risk AML matters within the Group AFC governance framework
- Coordinated AFC reporting activities and risk assessments for senior management and Group corporate bodies
- Collaborated with cross-functional stakeholders on AML process optimisation and regulatory compliance initiatives
- Acted as Digital Ambassador for the AFC Group Entities Oversight area, promoting digital and automation initiatives aimed at improving operational efficiency and AFC controls.
Compliance Controls Specialist
UBI Banca S.p.A.
05.2019 - 12.2020
- Assessed compliance and AML-related risks associated with banking, financial, leasing, factoring, and consumer lending activities
- Designed and implemented risk mitigation and control frameworks to support business operations and regulatory compliance requirements
- Supported second line of defence activities through control assessments, monitoring initiatives, and remediation actions
- Performed compliance reviews related to extraordinary operations and emerging regulatory scenarios, including COVID-19-related process changes
- Collaborated with internal stakeholders to identify control gaps, mitigate operational risks, and enhance governance processes
Suspicious Activity Reporting Analyst
UBI Banca S.p.A.
03.2016 - 04.2019
- Conducted AML/CFT investigations on retail and corporate customers within second line of defence activities
- Assessed escalated suspicious activity cases and determined reporting obligations under Italian AML regulation
- Prepared and submitted Suspicious Activity Reports (SARs) to the Italian FIU through the Infostat platform
- Identified unusual transactional behaviours, emerging AML typologies, and high-risk customer activities
- Collaborated with AML, Compliance, and business functions on complex investigations and regulatory matters
- Contributed to AML operational efficiency projects, including process automation and workflow optimisation initiatives
- Supported the enhancement of SAR handling procedures and internal investigation processes
Education
Master of Law -
Università Cattolica del Sacro Cuore
Milan10-2014
Skills
- AML/CFT Investigations
- SAR Filing (UIF / Infostat)
- Financial Crime Escalations
- Second Line of Defence Reviews
- Transaction Monitoring
- AML Regulatory Compliance
- Risk Assessment
- AML Process Improvement
- Stakeholder Reporting
- ACAMS Certified
Certification
- Certified Anti-Money Laundering specialist (CAMS) (03/2024) Established global AML qualification, awarded by ACAMS.
- Specialized Executive Master Banking & Financial Diploma (12/2022) Executive Master program aimed at developing the foundation of banking and financial profession, awarded by ABI - Italian Banking Association.
- Executive Master Anti-Money Laundering Diploma (09/2018) Executive Master program tailored to AML Specialists and AML Managers, awarded by the European School of Banking Management (Milan).
- International English Language Testing System (IELTS) (06/2015) Internationally recognised English language proficiency certification, awarded by Cambridge University Press & Assessment.
Languages
Italian Native or Bilingual Proficiency
English Full Professional Proficiency
Timeline
AFC Senior Specialist
Intesa SanPaolo S.p.A.
12.2020 - Current
Compliance Controls Specialist
UBI Banca S.p.A.
05.2019 - 12.2020
Suspicious Activity Reporting Analyst
UBI Banca S.p.A.
03.2016 - 04.2019
Master of Law -
Università Cattolica del Sacro Cuore