Miriam Ratkovicova is a Managing Director in the Anti-Money Laundering (AML) and Economic and Trade Sanctions practice of Deloitte Transactions and Business Analytics LLP. She has more than 20 years of experience advising US and European large financial institutions on various BSA/AML, Sanctions and Financial Crime compliance matters. Specifically, Miriam has led multiple large and complex projects involving historical transaction investigations, Know Your Customer (KYC) remediations, AML and Office of Foreign Assets Control (OFAC) risk assessments, and customer risk ratings. Miriam has delivered AML/Sanctions engagements in numerous countries throughout Europe, including Germany, France, the Netherlands, Switzerland, Czech Republic, Poland, Hungary, Latvia, Romania, Bulgaria, Russia, Ukraine, Sweden, Norway, Denmark, Italy, Spain, Portugal, UK, Cyprus and Slovakia. 

Over the last 15 years, Miriam has developed and implemented AML/Sanctions risk assessments for more than 35 institutions with global operations, including banks, broker dealers, insurance companies, FinTech companies, credit card processors, and non-financial institutions. Additionally, Miriam has led the development of DERA, a proprietary web-based risk assessment tool developed by Deloitte. Currently, Miriam is leading deployment of DERA for multiple global financial institutions in support of their AML/OFAC, Anti-bribery & Corruption (ABAC), and other compliance risk assessments.

Miriam is a frequent speaker on enterprise risk assessments at both US and international conferences.

Miriam is currently serving on the Board of Directors of the Bankers Association for Finance and Trade (BAFT).