Bernardo Figueiredo

• Administrative management and organization of the association’s documentation
• Support in coordinating events, competitions, and sports initiatives
• Communication with athletes, coaches, and partner entities via email and other channels
• Preparation of meeting minutes, reports, and other official records using Microsoft Office tools
• Support in managing registrations and memberships within the association
• Handling of correspondence, emails, and general office tasks

Analyst – Compliance & Legal Support (Banking Sector)
Hired for the Compliance Department
Caixa Económica da Misericórdia de Angra do Heroísmo (CEMAH) — Full-time
Apr 2025 – Present · Angra do Heroísmo, Portugal

Compliance Unit (primary role)

• Executed internal control of mandatory monthly regulatory reports across all departments (Banco de Portugal, Portuguese Tax Authority, and other authorities).
• Performed daily regulatory monitoring of the EU Official Journal to identify applicable restrictive measures and sanctions, ensuring timely institutional compliance.
• Disseminated and interpreted national and international regulatory updates (BdP Notices, FATCA, DORA, CRS, EBA, AMLA), assessing scope, institutional impact, and associated reputational, transactional, and financial risks.
• Designed compliance presentations to support the Head of Compliance in implementing new frameworks (e.g., BdP Notice 2/2025).
• Oversaw implementation of Banco de Portugal determinations following inspections, validating corrective measures and issuing formal compliance assurance statements.
• Conducted KYC reviews by verifying and updating clients’ professional classifications in line with risk-based assessment models, liaising with branch offices to ensure accurate customer profiling.
• Reviewed and updated internal governance and risk policies (AML/CFT, Audit, Whistleblowing, Fiscal Council, Administration) in line with internal control frameworks.
• Updated the institution’s risk matrix in collaboration with external consultants (PwC).
• Developed and launched an organizational culture questionnaire to measure compliance awareness.
• Coordinated with multinational partners for AML policy review and alignment with global best practices.
• Performed compliance testing to verify departmental adherence to internal and regulatory requirements.
• Provided legal and regulatory advisory support, including conflict-of-interest assessments.
• Created compliance checklists to expedite policy validation against legal and regulatory requirements.

Legal Department (approx. 1 month – afternoons, while continuing morning duties in Compliance)

• Drafted and adapted contracts for a wide range of credit products, including mortgage loans, non-mortgage loans, employee loans, and consumer credit.
• Reviewed approved credit proposals from commercial teams, credit department, and board of directors, translating them into legally binding agreements.
• Verified financial conditions and terms (MTIC, TAN, APR, spread, EURIBOR rate), determining applicable interest structures (fixed, variable, tranche-based).
• Assessed contractual guarantees (mortgages, personal guarantees) and ensured proper inclusion in agreement terms.
• Conducted KYC verification and contractual due diligence by reviewing client identification, civil status, marriage records, and collateral documentation (e.g., property registry certificates) to ensure compliance before contract issuance.
• Calculated maximum consumer liability guaranteed by mortgage in Excel, in compliance with legal requirements.
• Liaised with notaries, external lawyers, branch offices, and solicitors to finalise credit formalisation processes.
• Provided legal and regulatory advisory support on banking law matters, including litigation, banking secrecy, and garnishment procedures.

Client Onboarding & Front Office Operations (first 3 weeks – integration period)

• Integrated into the commercial network to gain a comprehensive view of banking operations.
• Assisted in cash handling activities, including deposits, withdrawals, and end-of-day balancing.
• Provided front office customer service, addressing client inquiries on banking procedures and financial products (e.g., term deposits, account maintenance, withdrawal authorisations).
• Supported account opening processes, performing KYC checks and collecting required documentation.
• Organised client statements and transaction records for internal filing and customer requests.
• Collaborated with customer service representatives to ensure efficient service delivery and compliance with banking standards.