Summary
Overview
Work History
Education
Skills
Websites
Timeline
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Carlos Gomes

Carlos Gomes

Risk And Compliance Analyst
Sobreda

Summary

Detail-oriented and results-driven Financial Crime and Compliance Analyst with extensive experience in AML/CTF transaction monitoring, fraud prevention, sanctions screening, and risk management within fintech and digital finance environments. Proven track record of conducting high-quality investigations into suspicious activities, compromised accounts, and financial crime patterns, with deep knowledge of regulatory frameworks, KYC/KYB onboarding, and governance standards. Adept at collaborating with cross-functional teams—including FIU, AML, Crypto, and Risk—while delivering training, improving workflows, and maintaining service excellence. Skilled in identifying red flags, escalating unusual activity, and safeguarding both user assets and institutional integrity in fast-paced, high-risk settings.

Overview

6
6
years of professional experience
4
4
years of post-secondary education
2
2
Languages

Work History

RISK AND COMPLIANCE ANALYST

Accenture
11.2024 - Current
  • Conducted timely, accurate reviews of high-risk consumer activities, sanction matches, and AML/CTF transaction monitoring alerts to detect potential financial crime risks.
  • Escalated unusual patterns or behaviors indicative of money laundering or terrorism financing in accordance with internal escalation protocols.
  • Ensured adherence to internal SLAs, performance metrics, and quality standards across compliance operations.
  • Maintained expert-level knowledge of AML policies, regulatory frameworks, and operational procedures.
  • Identified procedural and knowledge gaps; recommended and implemented process enhancements to optimize compliance workflows.
  • Collaborated cross-functionally with legal, operations, and risk stakeholders to resolve compliance issues and drive continuous improvement.
  • Supported the legal compliance function in complex case investigations involving sanctions, PEP screening, KYC/KYB, and fraud risk.
  • Executed comprehensive customer due diligence (CDD) and enhanced due diligence (EDD) reviews, including crypto and digital finance risk assessments.
  • Demonstrated deep understanding of AML/CTF governance, regulatory expectations, and best practices in fintech environments.
  • Led legal drafting of compliance documentation and filed Suspicious Activity Reports (SARs) in alignment with regulatory standards.
  • Conducted regular quality assurance checks and internal audits to uphold high standards of compliance integrity.

FINCRIME SUPPORT GENERAL

Revolut
02.2023 - 11.2024
  • Identified and assisted users impacted by financial crime, providing guidance through fraud resolution processes and account recovery steps.
  • Supported customers whose accounts were compromised due to scams or unauthorized access, ensuring prompt and effective mitigation.
  • Quickly recognized scam typologies based on customer reports and behavioral cues, enabling faster threat detection and response.
  • Reviewed customer risk profiles and analyzed behavioral warning signs to assess potential financial crime exposure.
  • Secured user accounts by guiding customers through multi-step recovery processes and reinforcing protection of compromised channels.
  • Responded to real-time system alerts involving fraudulent activity, ensuring swift intervention and documentation.
  • Conducted source of funds analysis as part of ongoing due diligence for high-risk users and flagged transactions.
  • Collaborated closely with internal teams including FIU, ATO, CIU, Screening, AML, CXF, TMR, and Crypto units to resolve escalated cases.
  • Trusted with additional responsibilities as Watchman/Supervisor and Trainer, overseeing team workflows and mentoring new hires.

KYC Analyst

Revolut
06.2022 - 02.2023
  • Identified and supported users in navigating financial crime-related processes, including fraud, scams, and suspicious account activity.
  • Assisted with the onboarding of retail users by processing personal data and verifying KYC documentation in accordance with regulatory standards.
  • Conducted reviews of customer risk assessments, behavioral red flags, and other indicators to identify potential threats.
  • Investigated cases of account takeovers and fraudulent transactions, escalating findings through the preparation of Unusual Activity Reports (UARs).
  • Coordinated and implemented initiatives to improve teamwork practices, operational procedures, and interdepartmental collaboration.
  • Executed user onboarding aligned with the organization’s risk appetite and compliance protocols.
  • Collaborated with cross-functional teams, including FIU, ATO, CIU, Screening, AML, CXF, TMR, and Crypto units, to manage high-risk cases effectively.
  • Handled sensitive information related to high-profile and VIP users with strict confidentiality and diligence.

SALES TECHNICIAN

Fnac
12.2018 - 05.2022
  • Delivered expert product knowledge and support as a certified seller of technical products, ensuring a high-quality customer experience.
  • Executed in-store marketing campaigns and implemented promotional changes in line with brand and seasonal strategies.
  • Provided value-added services, including product insurance, customer support, and post-sale assistance.
  • Promoted loyalty programs and successfully upsold credit solutions in line with customer risk profiles and store policy.
  • Managed stock levels, processed customer orders, and ensured accurate inventory handling to support store operations.

Education

High School Diploma -

Instituto Do Emprego E Formação Profissional
Seixal
05.2017 - 06.2020

Basic Education -

Instituto Do Emprego E Formação Profissional
Seixal
05.2015 - 06.2016

Skills

  • Legal Compliance

    • Stakeholder Management

    Global AML/CTF

    KYC

    PEP

    Transaction Monitoring

    Sanctions Screening

    Due Diligence

    Case Management

    SAR Filing

    JIRA

    Risk Management

    Compliance Reporting

    EDD

    Banking Law

Timeline

RISK AND COMPLIANCE ANALYST

Accenture
11.2024 - Current

FINCRIME SUPPORT GENERAL

Revolut
02.2023 - 11.2024

KYC Analyst

Revolut
06.2022 - 02.2023

SALES TECHNICIAN

Fnac
12.2018 - 05.2022

High School Diploma -

Instituto Do Emprego E Formação Profissional
05.2017 - 06.2020

Basic Education -

Instituto Do Emprego E Formação Profissional
05.2015 - 06.2016

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Carlos GomesRisk And Compliance Analyst