Manuel Roche Del Fraile

Manuel Roche Del Fraile Email and Phone Number

CCO @ Depasify
Madrid, ES
Manuel Roche Del Fraile's Location
Madrid, Community of Madrid, Spain, Spain
About Manuel Roche Del Fraile

Experto en Compliance, Legal, Riesgos, Project Management, AML/CTF, FATCA y CRS. Actualmente trabajo en el sector FINTECH. Experiencia en sector financiero, tanto seguros, como banca mayorista global, retail y de inversión. Formación internacional e interdisciplinar.Soy una persona proactiva y muy trabajadora. Me gusta trabajar fuera de mi zona de confort y mi bias es hacia la perfección y la rapidez, por lo que disfruto aportando resultados en entornos altamente exigentes y cambiantes. Me encanta solucionar retos complejos de forma creativa y con mentalidad disruptiva. Creo que aunque lo ideal sea una mera quimera, el camino hacia la excelencia pasa necesariamente por pelear para alcanzarla. Por tanto, entiendo mi trabajo es un moving target, tanto por la búsqueda constante de la eficiencia interna, como por la necesidad de adaptación a factores externos.Mi pasión es generar un efecto positivo en el ecosistema de stakeholders que conviven alrededor del tejido empresarial. Para ello soy un firme defensor de la cultura de trabajo en equipo, la cooperación en entornos multiculturales y equipos multidisciplinares, la transparencia y ética en la toma de decisiones y la responsabilidad social corporativa.Competencias clave-Responsable legal y asesoría al Consejo-Compliance y regulatorio-Protección de Datos-Blanqueo de capitales y Financiación del Terrorismo -Prevención del Fraude-Seguridad de la información-Satisfacción y retención de clientes -Automatización de procesos y eliminación de fricciones al usuario -Estrategia de negocio-Stakeholder management-Cumplimiento fiscal e impacto e cuenta de resultados-Gestión de proyectos internacionales y equipos remotosPrincipales logros+ Ahorro de un 90% es los costes de litigios con clientes @IPFDigital+ Implementación de herramientas de biometría e inteligencia artificial @IPFDigital+ Ahorro de 3M€ en cuota del Impuesto de Sociedades @IPFDigital+ Gestión de un presupuesto de 5M€ @IPFDigital+ Adaptación de un modelo de negocio a un nuevo marco regulatorio @IPFDigital @TridentTrust+ Implementación de normativa extraterritorial de intercambio automático de información @Santander @TridentTrust+ Stakeholder management con reguladores @IPFDigital @TridentTrust @Deloitte

Manuel Roche Del Fraile's Current Company Details
Depasify

Depasify

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CCO
Madrid, ES
Manuel Roche Del Fraile Work Experience Details
  • Depasify
    Cco
    Depasify
    Madrid, Es
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  • Depasify
    Cco
    Depasify May 2024 - Present
    Valencia, Es
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  • Jot Down Contemporary Culture Mag
    Partner & Director Of International Strategy
    Jot Down Contemporary Culture Mag Sep 2013 - Present
    Jot Down Magazine is one of the most influential cultural magazines in Spain currently associated with El País. We believe in journalism in the age of twitter, on paper in the digital age, and in lengthy articles and in-depth interviews for a millennial generation with attention deficit. There is method in our madness.Achievements and Responsibilities• Launching a Pan-Amercian publication.
  • Nebeus
    Chief Compliance Officer
    Nebeus Aug 2022 - Mar 2024
    Barcelona, Catalonia, Es
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  • Eip - Escuela Internacional De Posgrados
    Professor Predicament Of International Data Transfers
    Eip - Escuela Internacional De Posgrados Oct 2020 - Jun 2023
    España, Es
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  • Minos Global
    Chief Legal Officer (Clo) & Chief Compliance Officer (Cco)
    Minos Global Jun 2022 - Aug 2022
    Madrid, Alicante, Es
    Minos Global creates custody and exchange platforms for crypto assets, through DTL and Blockchain technologies with the most demanding levels of security and within the existing regulatory framework. We have experience in cybersecurity since 2014 and in DeFi since 2019.Responsibilities• Guarantee compliance with all laws applicable to the company.• Ensure all regulatory licenses remain updated.• Continuous assessment of compliance risks.• Development of internal and external policies and procedures.• Represent the company before all regulatory bodies.• Advise management on new initiatives and regulatory developments.• Maintenance and review of legal agreements• Negotiation and drafting of the legal terms of agreements• Continuous assessment of legal risks• Representation of the company in legal matters• Relationship with lawyers and external advisors.
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  • Viva Wallet (Vivawallet.Com)
    Regional Aml & Risk Manager – Spain, Portugal And Italy
    Viva Wallet (Vivawallet.Com) Mar 2021 - Jun 2022
    Marousi, Attica, Gr
    Viva Wallet is the first Pan-European entirely cloud-based Neobank providing localised payment and credit services to businesses across 23 European countries. In January 20202 JP Morgan agreed to acquire roughly 49% stake in Viva, valuing the company according to Reuters’ sources at more than $2.0 billion.I ensured full compliance with AML-CTF regulatory framework and financial crime risk mitigation across Spain, Portugal and Italy. In that capacity I directly engaged with local Country Managers and reported to the AML & Risk Director. Achievements+ Closely tracked regulatory framework changes+ Policy gaps detected, tunning policy accordingly+ Improved staff’s compliance awareness+ Product management and sales funnel fine tunned and automatedResponsibilities• Monitored Region’s AML/CTF regulatory framework and proceeds to the appropriate actions for Policy alignment in an effective and risk/return balanced manner.• Held the MLRO position for the Region overseen, reporting suspicious cases to local FIU, liaising and cooperating with the Regulator, prosecuting and judicial authorities.• Reported to authorities, card schemes and regulators ML/TF/Fraud related data or applicable cases. • Oversaw KYC/KYB, propels automations primarily cooperation with local KYC/UBO databases and/or service providers (under the context of paperless onboarding), detects shortfalls and drives solutions. • Undertook portfolio monitoring.• Regulatory reporting to Authorities, systematic and/or ad hoc.• Acted as second line of defense, controlling the implementation of policies via sampling, as well as annual self-assessments.• Held the point of escalation on cases of potential AML / Anti-Fraud interest. • Provided anti-financial crime training.• Served as role model, promoting risk management values, pro-active approach, balancing risk and ensuring zero-tolerance.
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  • International Persona Finance Plc
    Head Of Legal And Compliance - Spain & México
    International Persona Finance Plc Nov 2017 - Feb 2021
    Leeds, Gb
    With over 500 employees in 8 countries, IPF Digital is one of the top FINTECH European companies. It is part of the IPF Group, a listed company in London Stock Exchange, has over 100 years of history and 2 Million customers.I am responsible for every legal or compliance issue in Spain and Mexico. I am part of the Hub structure based in Madrid and reporting to the Global Head of Legal & Compliance. My vision is to keep a close engagement with local markets, supporting them in finding suitable strategies to maintain a profitable business within risk appetite, which can be identified, measured, mitigated and effectively managed.Achievements+ Leading data sharing initiatives partnering with both major Spanish credit bureaus, growing to a multisectorial tool, both for fraud and positive credit information+ Leading public-private cooperation on fraud prevention incentives with the Police at the Association of Spanish Companies to Prevent Fraud + Deployed an AML and Fraud Prevention frictionless onboarding process+ Deploy a credit & risk onboarding process levering PSD2 and Open Banking incentives+ Implemented biometric frictionless security payment solutions to minimize fraud and potential impact of SCAResponsibilities• Implement a Corporate Criminal Liability programme • Develop a GDPR program• Redesign business proposal and corporate ring fencing to minimise regulatory risk• Enhance internal control and policies referring to anti-bribery, conflict of interest, internal fraud and sanctions monitoring according to UK Bribery Act• Negotiate NPL agreements• VAT compliance at intracommunity and international level, with a major focus on NPL agreements, tax certificates• Put in place controls to avoid mis-selling of Value Added Services and insurance products
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  • Trident Trust
    Compliance & Risk Manager
    Trident Trust Mar 2016 - Oct 2017
    Oo
    Trident Trust is a leading independent fiduciary, corporate, family office and fund administrator servicing UHNWI, employing over 900 staff across a global footprint that spans Africa, the Americas, Asia, the Caribbean, Europe and the Middle East.I was hired by the Managing Director to help him reduce risks in a challenging extraterritorial reach regulatory framework and within a new culture of transparency driven by Panama Papers.Achievements+ Adapt business model to a new regulatory framework avoiding penalties for non-compliance. + Implementation of extraterritorial regulations for automatic exchange of information, ensuring customers trust+ Stakeholder management with regulatorsResponsabilities• Reporting to the Head of Compliance and Risk (“HCR”). Managing a team of three full time members of staff.• Ensure Trident remains compliant with all relevant regulatory and anti-money laundering legislation, including internal policies and procedures.• Attending meetings of the Compliance and Risk Management Committee and chairing it when the HCR is not available.• Responsible to obtain annual Board endorsement to the general risk assessments identifying and documenting risks, mitigating factors and controls. Monitoring implementation of those controls agreed by the Board.• Responsible to obtain annual Board endorsement to the business risk assessments. • Operational risk management, auditing data integrity, flow processes and controls. Owner of data and reconciliation processes.• FATCA Responsible Officer for the expanded affiliated group, being the main point of contact for any Automatic Exchange of Information relating issue with local or international regulator bodies.• Responsible of the production and delivery of tax annual Automatic Exchange of Information reports. • Support any Trident office worldwide on their Automatic Exchange of Information issues on a time-spent basis.
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  • Ey
    Transparency & Exchange Of Information Manager - Fatca, Cdot & Crs Compliance
    Ey Sep 2015 - Feb 2016
    London, Gb
    EY is one of the "Big Four" accounting organizations, a leading multinational professional services firm headquartered in London.My FATCA and AML experience was a perfect match for an offshore jurisdiction dealing with new regulatory development within the automatic exchange of information programs (UK-CDOT and CRS). Therefore, I decided to joint EY at the Channel Islands to serve both local fiduciary companies as well as global investment banks.Achievements+ Implementation of UK-CDOT requirements for HSBC and Lloyds Bank, globally.+ Implementation of CRS customised for business needs of UHNWI fiduciary companies. Responsibilities• Provided advice to Jersey and Guernsey based clients on all compliance matters relating to FATCA, UK-CDOT and CRS• Performed the UK-CDOT compliance implementation with the London office in one of the largest banks in the UK taking into consideration the FATCA compliance programme.• Leaded from Hong Kong and Jersey the CRS compliance implementation support project for one of the largest wealth management bank in the world.• Provided support to other EY offices on FATCA, UK-CDOT and CRS compliance related matters as they apply in Jersey and Guernsey• Assisted the Partner in business development including identification of FATCA / compliance opportunities to deliver local solutions and global solutions to clients, attendance and presentation at FATCA & CRS seminars and preparation of relevant FATCA & CRS articles and CRS tax alerts.• A network of contacts built to grow the FATCA (and possibly wider) offering, through EY colleagues and clients in Guernsey and Jersey.
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  • Santander Bank, N.A.
    Fatca & Aml Data Manager
    Santander Bank, N.A. Aug 2013 - Aug 2015
    Boston, Ma, Us
    Santander Bank, formerly Sovereign Bank, is the US subsidiary of Santander Group. It is based in Boston and its principal market is the northeastern United States. Sovereign Bank was rebranded as Santander Bank in 2013.As part of the rebranding project I was responsible for deploying Santander's structural systems into the US complying with tax reporting and withholding requirements to the Internal Revenue Service (IRS). Afterwards, I was responsible to implement audit recommendations from U.S. Treasury Department's Office of the Comptroller of the Currency (OCC) in terms of data quality.Achievements+ Implementation of withholding requirements to the IRS (Chapter III and Chapter IV withholding)+ Implementation of OCC’s audit findings effectively mitigating terrorism financing Responsibilities• Identify and evaluate changes in AML regulations to implement necessary enhancements providing regulatory guidance to business lines.• Plan, monitor, and control projects across FATCA & AML Compliance; with a focus on milestones/deadlines, deliverables, budgets, resources, and key stakeholder relationships to ensure quality and delivery.• Manage an AML Compliance team that uses various systems to review, edit, and file reportable cash transaction activity.• Monitor AML & Compliance operations and systems identifying improvements and remedial measures.• Respond to bank regulatory examinations and internal audit findings.• Coordinate teams in different AML & Compliance areas of the group from Mexico, Spain and the US.• Perform systems, business and technical analysis of the operational needs in AML Compliance.• Foster relationships with stakeholders keeping communications both with internal and external clients in order to solve issues.• Test, maintain and evaluate the integration efforts of FATCA & AML development teams.
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  • Deloitte
    Tax Management Consultant - Fatca
    Deloitte Feb 2012 - Aug 2013
    Worldwide, Oo
    Deloitte is one of the "Big Four" accounting organizations. It is the largest professional services network in the world by revenue and number of professionals.During my Santander experience I came across with FATCA regulation, and after I joined Deloitte which was setting the best practice for compliance with this US law for practically all the Spanish financial sector. As a legal expert I made the impact analysis of the legislation for each of my clients, implemented the project plan and for those with a global footprint supervised at the PMO the global implementation of each entity within the group.Achievements+ Facilitate a compliant roadmap for global Spanish banks and insurance companies with data protection requirement via intra governmental agreements+ Ensure regulators recognise major issues posing a law which requires to report tax information to a foreign governmental and lead a solution by 5 largest EU countries.+ Avoid crimminal accountability to senior management at Spanish financial institution as well as financial exclusion of those entities.+ Ensure customer confidence was not deteriorated while meeting the new international transparency standards.Responsibilities• Implemented the strategic analysis of FATCA for 13 top clients of the banking and insurance industries in over 40 countries. Designed the compliance, business, operations and systems action plans.• Advised as a FATCA compliance expert in the Global PMOs dealing with regulatory issues, communications strategy and stakeholder engagement.• Audited international taxation in two multinational financial institutions to provide a corporate solution to the bankruptcy of a U.S. entity.
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  • Banco Santander
    External Business Consultant
    Banco Santander Mar 2011 - Jan 2012
    Boadilla Del Monte, Madrid, Es
    Santander is one of the largest banking institutions in the world and the largest Spanish bank. After my college I started working for Santander as a project consultant, re-engineering onboarding processes, first for retail banking and then for Global Banking & Markets. My goal was to create more efficient flow processes by saving time and resources while enhancing automatic controls and reducing manual tasks.Responsibilities• Designed the business flow process for the client onboarding FATCA compliance of Global Banking & Markets.• Implemented MiFID, FATCA, Anti Money Laundering (AML) and Third European Directive compliance regimes.• Business process improvements projects in the retail banking arena using best practices methodology in AML compliance.
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  • Bill Lynch Associates
    Intern - Politial Consulting And Lobbying
    Bill Lynch Associates Mar 2010 - Jun 2010
    Political consulting firm founded by Bill Lynch, prominent African-American political figure in New York politics. In 1989 Lynch served as campaign manager for Dinkins's mayoral bid in 1989. Dinkins defeated incumbent mayor Ed Koch in the Democratic primary, then went on to win the general election over Republican Rudolph Giuliani, becoming New York's first African-American mayor. Lynch was credited as being largely responsible for the victory by forging a broad multi-ethnic coalition. During the 1990s, Lynch would advise various Democratic politicians and candidates, including Mario Cuomo and Nelson Mandela during South Africa's transition from apartheid and 1994 elections.While I was finishing my studies in New York I had the opportunity to work for the first time with regulatory and public policy issues.Responsibilities• Comptroller assistant in a transition period from a family business to a structure with state presence.• Planned strategic risks and palliative measures.• Reviewed electoral databases, contracts and legal documents.• Designed communications materials.
  • De Capoa E Associati
    Intern - International Law Department
    De Capoa E Associati Oct 2008 - Jun 2009
    De Capoa & Partners an Italian law firm expert in community law and company law, both national and international. The Firm has strategic alliances with highly-qualified specialists and the academic world, from the Americas to Eastern Europe and the Middle and Far East.While I was studying my year abroad in Bologna I managed to get my first international professional experience in a law practice.Responsibilities• Created comparative law studies in international inheritance.• Performed as translator of legal documents certifying them in Italian, Spanish and English.• Acted as liaison between the company and its international clients.
  • Accenture
    Intern - Consulting. Financial Services
    Accenture Feb 2007 - May 2007
    Dublin 2, Ie
    Accenture is a Fortune Global 500 multinational professional services company. I did my first internship on the technical side of a consultancy project for an insurance company re-structuring their business model.Responsibilities• Re-structured organization for a major UK insurance company.• Coordinated a data migration project for different financial platforms using data quality methodologies.
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Manuel Roche Del Fraile Education Details

  • Berkeley College-New York
    Berkeley College-New York
    International Business
  • European Business School (Ebs)
    European Business School (Ebs)
    Marketing & Finance
  • Sapienza Università Di Roma
    Sapienza Università Di Roma
    Marketing
  • Alma Mater Studiorum – Università Di Bologna
    Alma Mater Studiorum – Università Di Bologna
    Bachelor Of Laws (Ll.B.)
  • Universidad Complutense De Madrid
    Universidad Complutense De Madrid
    Bachelor Of Laws (Ll.B.)
  • Université Paris-Est Créteil (Upec)
    Université Paris-Est Créteil (Upec)
    Bachelor Of Laws (Ll.B.)

Frequently Asked Questions about Manuel Roche Del Fraile

What company does Manuel Roche Del Fraile work for?

Manuel Roche Del Fraile works for Depasify

What is Manuel Roche Del Fraile's role at the current company?

Manuel Roche Del Fraile's current role is CCO.

What schools did Manuel Roche Del Fraile attend?

Manuel Roche Del Fraile attended Berkeley College-New York, European Business School (Ebs), Sapienza Università Di Roma, Alma Mater Studiorum – Università Di Bologna, Universidad Complutense De Madrid, Université Paris-Est Créteil (Upec).

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