Joanne McNaul is a senior director in K2 Integrity’s Financial Crimes Compliance (FCC) practice in London. With more than 20 years’ experience in the financial services industry, Joanne advises financial institutions on the enhancement of anti-money laundering (AML), counterterrorist financing (CFT), fraud, anti-bribery and corruption (ABC), and sanctions compliance programs. Joanne helps clients across industries implement agile solutions to FCC compliance, operational risk, design, and management; regulatory compliance, quality assurance; and policy matters.
Before joining K2 Integrity, Joanne served as the FCC policy and framework lead and deputy money laundering compliance officer (MLCO) at RBS International, part of NatWest Group. This role spanned several jurisdictions across the UK, EU, Channel Islands, and Isle of Man. Joanne was responsible for launching a defined FCC policy suite that complied with global and local regulatory/industry standards and assessing compliance across all business areas. She also regularly engaged with senior management and board members, regulators, and internal and external audit teams.
Additional deliverables included FCC reporting to internal committees and regulatory bodies, training and awareness programs, the design of risk appetite statements, oversight of risk assessment models, and directing independent assurance reviews of systems and controls. Joanne also oversaw several remediation and strategic projects, focusing on operational and FCC regulatory effectiveness.
Prior to her time at RBSI, Joanne held various roles in FCC at NatWest Group UK across several jurisdictions and acted as money laundering reporting officer for two NWG subsidiaries in the UK and EU. This involved being appointed as the FCC AML/CFT lead on external industry and government engagement, which led to influencing external regulations and holding positions on the UK Finance Money Laundering Advisory Panel’s Companies House Reform Working Group, Access to Banking Task Force, and Payments Transparency Group.
Earlier in her career, Joanne held positions of increasing responsibility across several banks, including Allied Irish Bank (AIB) and Santander.
Joanne received a professional post-graduate diploma in financial crime compliance (Prof.Pg.Dip & Fellowship (FICA)) and a diploma in AML/CFT from the International Compliance Association. She also has a diploma in advanced dispute resolution from Queen Margaret University.
