Miriam Ratkovicova

About

Miriam is a Deloitte Transactions and Business Analytics LLP managing director. Part of the Anti-Money Laundering (AML) and Sanctions practice, she has more than 20 years of experience advising large global financial institutions on various Bank Secrecy Act (BSA)/AML, sanctions, and financial crime compliance matters.

In her role, 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. She has delivered AML/sanctions engagements across the US, Europe, and Canada.

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.

Miriam has led the development and deployment of DERA, Deloitte’s proprietary web-based risk assessment tool which supports multiple global financial institutions in AML/OFAC, Anti-bribery & Corruption (ABAC), and other compliance risk assessments.

Miriam has delivered multiple speaking sessions on AML, sanctions and financial crime at both US and international conferences. Miriam is currently serving on the Board of Directors of the Bankers Association for Trade and Finance (BAFT).

 

 

Miriam Ratkovicova
Managing Director, Forensic & Financial Crime
Deloitte