Carmen Bermejo is a Senior Compliance Officer with a strong international background and deep expertise in anti‑money laundering (AML/CFT), regulatory oversight, and integrity risk management within the European financial sector. With over a decade of experience across Spain and Luxembourg, she has developed a recognised track record in strengthening governance frameworks, promoting ethical business conduct, and translating complex legal requirements into practical safeguards against financial crime.

Carmen holds a double bachelor’s degree in Law and Business Administration from Universidad Carlos III de Madrid, a master’s degree in Law, a master’s degree in Compliance in the Financial Industry, and the CAMS certification. Her academic and professional path reflects a long‑standing commitment to advancing transparency and preventing the misuse of financial systems.

In her role at TMF Luxembourg S.A., Carmen leads regulatory monitoring, policy development, compliance oversight, and the implementation of EU and domestic AML reforms, most notably the AML 6th Package. Her work focuses on ensuring that organisations not only meet regulatory expectations but also embed a culture of integrity and accountability in their daily operations.

Beyond her technical expertise, Carmen is regarded as a trusted internal advisor on legal and regulatory matters. Her trilingual fluency in Spanish, English, and Italian and her international professional experience, including academic programs in the USA and Italy, enable her to navigate diverse legal environments and contribute to cross‑border efforts to combat corruption and financial crime.

Driven by a belief in ethical leadership and strong governance, Carmen is committed to supporting initiatives that protect the financial system from abuse and promote transparent, responsible, and corruption‑free business practices.