Independent AML & Risk Management Consultant in Romania
About Me
Building Resilience: Your Trusted Guardian
I am Ioana Ungureanu, an independent consultant with over 25 years of professional experience across the public and private sectors. My work focuses on AML/CFT compliance, enterprise risk management and information classification & confidentiality.
Throughout my career, I have worked with organizations across a wide range of industries, including banking, fintech, crypto, gambling, accounting, tax advisory and real estate. My experience includes both advisory and hands-on compliance work, from independent AML audits and risk assessments to the development and implementation of compliance frameworks, policies and procedures.
I approach each engagement with a practical perspective: understanding how the business actually operates, identifying the risks that matter and developing solutions that are proportionate, workable and tailored to the organization rather than relying on generic templates.
Beyond Technical Expertise
Trust Before Everything
IFor me, consulting starts with trust. I value long-term professional relationships built on honesty, reliability and open communication — not simply the delivery of a project.
I Don’t Pretend to Know Everything
Compliance is complex, and no one has every answer immediately. If I don’t know something, I say so. Then I research it, verify it and come back with an answer I can stand behind.
Clear, Human Communication
Complex regulations don’t need to lead to complicated conversations. I communicate directly and clearly, explain the reasoning behind my recommendations and make sure my clients understand not only what needs to be done, but why.
I Work With You, Not Just For You
I believe the best solutions are built together. I take the time to understand how a business actually works, listen to the people involved and develop solutions that fit the organization rather than forcing the organization to fit a template.
Directly Involved in Every Project
As an independent consultant, every engagement has my direct involvement from beginning to end. There are no layers of delegation — the person you hire is the person who listens, analyzes, advises and works alongside you.
Here's What Sets Me Apart
A Perspective from Both Sides of Compliance
My professional background gives me a perspective that goes beyond technical knowledge of AML/CFT requirements. Having spent many years working within Romania’s Financial Intelligence Unit (ONPCSB), I understand compliance from the perspective of the authority responsible for supervision and control.
After leaving ONPCSB, my work in consulting allowed me to experience compliance from the other side — supporting organizations in understanding regulatory expectations, assessing their AML/CFT frameworks, identifying weaknesses and implementing effective compliance measures. I continue to bring this dual perspective to my work as an independent consultant.
This combination allows me to look beyond whether a policy or procedure simply exists on paper. I understand how compliance is assessed in practice, where weaknesses are likely to be identified, and how an AML/CFT framework can be designed and implemented to withstand regulatory scrutiny while remaining workable for the business.
Driven by Values
Building Strong Partnerships
For me, a successful engagement is more than delivering a report, a policy or a risk assessment. It is about building a relationship based on trust, open communication and a genuine understanding of the client’s business.
Many of my professional relationships have continued beyond individual projects, and I value being someone clients can come back to when a new question, challenge or decision arises. My goal is not simply to provide advice, but to become a trusted professional partner they can rely on over time.
Contact Guardian Compass
AML - Risk Advisory & Data Privacy
Phone: +40 733 920 484
Email: ioana@guardiancompass.ro
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