Turkka Toivola

Senior first-line Financial Crime & Regulatory Compliance expert at a regulated card-issuing fintech. 10+ years experience across banking and consulting. End-to-end ownership of KYC/AML/CTF and FATCA/CRS across onboarding and ongoing monitoring. Manage complex KYC/KYB cases (risk assessment, profiling, documentation), lead QA/4-eyes controls and escalations, and ensure audit-ready files. Partner with Product/Engineering/Risk to embed requirements and strengthen controls.

Advisory panel member for accredited global compliance training programmes, contributing subject-matter expertise in FATCA/CRS, AML and KYC. Review and refine course content for accuracy and relevance, translate regulatory requirements into practical guidance on controls and documentation, and help ensure consistent interpretation across jurisdictions by combining operator and advisor perspectives.

Senior Tax Consultant (EY Luxembourg) in Financial Services/PFS & Business Tax Services. Advised regulated clients on operational tax/regulatory compliance with focus on FATCA/CRS (AEOI) and tax reporting. Delivered process design, controls and audit-ready approaches; drove improvements incl. electronic tax form validation and large-scale data quality checks. Partnered with KYC/AML teams and supported/mentored junior staff.

Organisation-wide FATCA/CRS (DAC2) SME at S-Pankki, accountable for end-to-end compliance across 3M+ retail and business customers. Owned FATCA/CRS processes, governance and controls; embedded requirements into onboarding and lifecycle activities; led training and enablement across departments; partnered with KYC/AML on customer data quality; and supported annual reporting readiness and execution to ensure accurate, timely submissions.

Promoted through 4 roles (Junior → Officer → Specialist → Chief). First-line SME across KYC/KYB and FATCA/CRS with strong financial crime grounding: complex due diligence (CDD/ODD/EDD), tax residency/indicia assessment, documentation quality and audit-ready evidence. Led QA/4-eyes controls, supported escalations, and improved controls and guidance to strengthen consistent application of standards. Embedded FATCA/CRS checks into KYC files to improve reportable data quality and consistency.

Client-facing branch role serving retail and small business customers. Built a strong foundation in regulated onboarding and KYC: identity verification, documentation collection and contract setup. Handled day-to-day account servicing while ensuring compliance with internal procedures and regulatory requirements. Supported product solutions and sales aligned to customer needs. Maintained high-quality recordkeeping and accurate customer files. Service languages: Finnish, English and Swedish.