AFC Trends and Typologies: The Rise of E-Money and Payments Institutions

Koos Couvée has been ACAMS moneylaundering.com’s European reporter since October 2017 and is responsible for covering the development of laws, regulations and compliance procedures designed to clamp down on illicit finance in the United Kingdom and European Union. Prior to joining ACAMS, Koos worked as a news journalist at various regional and national newspapers based in London.

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Ciara works for FINTRAIL, a financial crime consulting firm, leading their consulting engagements working with digital and innovative financial services firms. Ciara has extensive background in banking and financial crime prevention, including AML policy and CDD. She previously led the financial crime team for Santander UK’s wealth division and policy implementation for its Retail and Corporate Bank.

At Barclays, managed global EDD for the Corporate Bank and implemented controls for high-risk sectors. With FINTRAIL, Ciara has led projects on AFC audits, EWRAs, regulatory mapping, control remediation, and new product development.

Patrick Green is currently the Global Head of AML and UK MLRO at Banking Circle, overseeing the Client Due Diligence, Transaction Monitoring, Intelligence & Investigations and Sanctions teams to ensure effective, client-focused onboarding and monitoring globally. Patrick joined Banking Circle in 2020 and brings more than 15 years’ experience within the FI and NBFI sectors and is leading the initiative to digitize and enhance the onboarding, and ongoing monitoring, approach to Banking Circle’s clients globally through the utilization of AI, Data and public private partnerships across the EU and UK.

Banking Circle are a credit institution, regulated by the CSSF, UK FCA and BaFin, focused on enhancing the correspondent banking payment infrastructure both in fiat and, most recently, through the launch of the first European bank-issued MICA regulated Stablecoin (Eurite) in 2024. Prior to joining Banking Circle, Patrick spent 14 years at Barclays in London including roles across the FI, Global Corporate and Non-Bank FI verticals within 1LOD AML, Relationship Management and Cash Management.

Alexandre Pinot is a FinTech and anti-financial crime expert with over 15 years of experience in financial services. He has held senior risk, leadership, and compliance roles within both large corporates and smaller FinTechs and advised multiple financial institutions on licensing, operations, and risk management.

As Co-founder of AMLYZE, he leads innovation and strategy, helping financial institutions navigate evolving regulatory and operational challenges. He also co-chairs the ACAMS Baltics Chapter, supporting industry collaboration and education.