Cheila Cunha

I am a highly organised and experienced professional with over 15 years of experience in financial services in AML, ongoing monitoring, CDD, KYC and regulatory compliance. I have extensive experience reviewing client files across multiple jurisdictions, completing annual reviews, identifying and mitigating risk, and ensuring compliance with regulatory requirements. I am recognised for improving processes, supporting colleagues, and maintaining the highest standards of accuracy.

I have proven experience working successfully in both remote and office-based environments, demonstrating excellent self-management, communication and collaboration while consistently delivering high-quality work. I am fluent in English and Portuguese, do not require sponsorship or a visa to work within the EU and I am currently based in the Isle of Man with a willingness to relocate or work remotely for opportunities across the UK and Europe.

Senior AML Analyst – Ongoing Monitoring at EximiaGlobal (2026-03 – Present)

The main duties of this job are:

• Conduct ongoing monitoring reviews to ensure client files remain accurate, up to date, and compliant with regulatory requirements.
• Complete annual client reviews, ensuring all required documentation is obtained, reviewed and recorded.
• Review client files to identify changes in client circumstances and ensure records remain accurate and compliant.
• Monitor outstanding tasks and client changes, ensuring reviews are completed within regulatory deadlines.
• Ensure compliance with AML, CDD, KYC and ongoing monitoring requirements across multiple jurisdictions.
• Identify, investigate and escalate potential compliance or regulatory risks where appropriate.
• Liaise with internal teams to obtain outstanding documentation and resolve compliance queries.
• Maintain accurate records of reviews, monitoring activities and client changes.
• Support improvements to monitoring processes and procedures.
• Work effectively in both remote and office-based environments, maintaining productivity, communication and regulatory standards while collaborating with colleagues across the business.

Senior File Reviewer at SunteraGlobal (2023-08 – 2026-02)

The main duties of this job are:

• Conduct comprehensive reviews of client files to ensure accuracy, completeness, and regulatory compliance.
• Training Junior members of the team and new starters
• Monitor and manage the file review inbox, ensuring timely allocation and completion of tasks.
• Create and update procedures and guidance
• Reviewing files for multiple Jurisdiction and making sure they meet regulatory standards for the respective jurisdiction.
• Conduct checks on CDD (Customer Due Diligence) reviews to ensure compliance and identify areas requiring clarification or escalation.
• Support the CDD Team by handling queries and providing clear regulatory and procedural guidance.
• Allocate daily tasks using the workflow tracker, ensuring balanced workloads and efficient operational flow.
• Creating Multiple trackers/workflows to fit each jurisdiction and their review requirements
• Dealing with clients facing team when allocating tasks for their clients
• Providing training on new Workflow/tracker
• Maintain trackers across all jurisdictions, implementing enhancements and improvements to support process efficiency.

Senior Secretary Children & Families at ManxCare (2022-08 – 2023-07)

The main duties of this job are:

• Maintain the assistant director’s diary
• Arrange meetings internally and externally
• Organised assistant director’s inbox
• Take minutes for several meetings chaired by the assistant director.
• Track complaints and help with acknowledging receipt and correspondence
• Help administration team with phones and managing calls for assistant director
• Assisting administration team with projects and various tasks on the floor.
• Minding reception on a rota with administration team.
• Assisting with stationery order when necessary
• Several administration tasks e.g. typing letters, procedures and processes.
• Dealing with members of the public
• Booking meeting rooms for staff members and senior managers
• Recording meetings and transcribing minutes
• Maintaining clients’ records on the system

Senior Administrator – Operations at Creechurch Capital (2017-07 – 2022-07)

The main duties of this job are:

• Payments – processing payments
• Processing quarter end reports for all clients
• Valuation – carrying out reviews on all accounts and processing valuation packs
• Account opening – processing account opening forms
• Processing instructions – This could be any type of instruction from requesting money, account closure, surrender of a bond, change of address.
• Managing relationships – Closely dealing with financial advisers, platforms, and private clients.
• Day to day office maintenance – ordering stationery, water, milk and other office equipment
• Preparing meeting agendas and booking meetings
• Super administrator for CRM system- making changes on the CRM System. Providing training on the system. Pulling reports or uploading reports to the system.
• Administrator support for various company projects
• Administrator support to marketing team
• Monitoring Holiday Chart
• Monitoring Petty Cash
• Administrator support Compliance to complete complaint forms.

Administrator - External Management/and Custody Operations at Utmost Wealth (2016-01 – 2017-07)

Working within a team managing portfolios and administration for many clients. This job involves answering the telephone and carrying out all sorts of administration for and on behalf of the client. The main duties of this job are:

• Payments – processing payments to clients and IFAs.
• Valuation – carrying out reviews on all accounts and processing electronic valuation through the system. This requires a good knowledge of XML and Excel.
• Packing valuations – Once a full review is done then a valuation will be ready to print and pack to be sent out.
• Account opening – processing account opening forms
• Processing instructions – This could be any type of instruction from requesting money, account closure, surrender of a bond etc.
• Managing relationships – Closely dealing with financial advisers, Investment adviser and different bond providers.

Customer Service Adviser at Lloyds Bank (2015-06 – 2016-08)

Working in a very busy call center dealing with customers’ enquiries. I have a full knowledge of banking systems. These are some of the things I’m trained in to be able to help customers:

• Card systems – FDI & PBS (ordering currency and sterling debit cards)
• Banking systems EDGE, PBS & GLOBUS (customer’s account details and identification)
• Internet banking IBC & WEB MANAGER (sterling and currency) payment’s system WORKFLOW & EDGE (processing instructions of payments and adding beneficiaries to the accounts)
• With this job there are only a few administration duties, but they are usually done there and then for the customer while they are on the phone. Customer service is a very key point for this job because I dealt with customers on the phone all day. Keeping yourself motivated and with a positive attitude towards your customers and colleagues is very important.

Receptionist / Assistant Administrator at DuncanLawriePrivate Banking (2011-08 – 2015-05)

• Managing reception, including greeting visitors and answering the telephone and client request for information. Prepare the meeting rooms and maintain the diary. Booking meetings for Directors and clients.
• Administrative resources for the Directors and Managers.
• Provide Administrative IT Support. Help with Helpdesk - ordering equipment and calling engineers to fix certain equipment.
• Receiving post opening and distributing to the right departments. Stationery management, printer management and building and premises maintenance administration.
• Responding to emails and correspondence, Health and Safety representative- Looking after first aid boxes, fire alarm testing and keeping records.
• HR duties - Scanning, maintaining staff personal files, making sure the records are updated to the system, preparing induction folders, and meeting with the new staff members and providing a small induction of the company.

Government Course - MicroBusiness Grant Scheme Stage 1 & Stage 2 in Business planning, marketing and business operations – Tynwald (2016 – 2016)

GCSE in English

GCSE in Mathematics

GCSE in Business Communications & Systems

GCSE in Spanish

GCSE in Drama

GCSE in Portuguese

AS Level in Portuguese

Preparation for Working Life in Level 1 & Level 2

Certificate in Adult Numeracy Level 1 – Edexcel

Certificate in Adult Literacy Level 1 – Edexcel

Level 1 Certificate for IT Users (New CLAIT) in IT Users – OCR

Level 1 Certificate for IT Users - On-line Communication in IT Users – OCR

Level 1 Certificate for IT Users - Creating spreadsheets and graphs in IT Users – OCR

Level 1 Certificate for IT Users - Create an e-presentation in IT Users – OCR

Level 1 Certificate for IT Users - Database manipulation in IT Users – OCR

Level 1 Certificate for IT Users - File management and e-document production in IT Users – OCR

Level 1 Diploma for IT Users (New CLAIT) in IT Users – OCR

Level 1 Text Processing - Computer Keyboard Skills in Text Processing – OCR

Level 1 Text Processing - Speed Keying in Text Processing – OCR

Level 2 Award in Text Processing in Text Processing – OCR

Level 2 Certificate in Text Processing in Text Processing – OCR

Level 2 Text Processing - Text Production in Text Processing – OCR

Level 2 Text Processing - Word Processing in Text Processing – OCR

Level 2 Text Processing - Business Presentations in Text Processing – OCR

Level 2 Text Processing - Document Presentation in Text Processing – OCR

Level 2 Certificate in Administration in Administration – OCR

Level 2 Diploma in Administration - Written Business, Financial Transactions in Administration – OCR

Level 2 Diploma in Administration - Working in Administration in Administration – OCR

Level 2 Diploma in Administration - Supporting Recruitment & Selection procedures-Level 3 in Administration – OCR

Level 3 Text Processing - Word Processing in Text Processing – OCR

Level 3 Award in Text Processing in Text Processing – OCR

Level 3 Certificate in Text Processing in Text Processing – OCR

Level 3 Certificate in Text Processing - Text Production in Text Processing – OCR

Level 3 Award in Administration in Administration – OCR

Level 3 Award in Administration- Producing complex business documents in Administration – OCR

Level 3 Award in Administration- Understanding functions and roles within business organisations. in Administration – OCR