Marcos Tinedo

Marcos Tinedo, CAMS, holds a degree in Public Accounting from the Universidad Católica Andrés Bello (UCAB) in Caracas, Venezuela, and a Master’s in Finance from the Instituto de Estudios Superiores de Administración (IESA) in the same country. He has over 20 years of experience in the multinational banking sector, including six years in regulatory roles. Tinedo was the founder of the Banking Risk Supervision practice at the Superintendencia de Instituciones del Sector Bancario (SUDEBAN), Venezuela’s banking regulatory authority. He spent nine years serving as Vice President and Chief of Internal Audit, as well as Regional Compliance Officer, at Citigroup, HSBC, and AMEX, working in Venezuela, Mexico, and later in the United States, where he currently resides. His experience also includes five years in the fintech sector, where he established compliance programs at Optal Ltd. (now Wex, Inc.) and Billpocket (now Kushki Pagos SAS). He currently serves as Director, Compliance Officer for Moniflow App at its U.S. branch. Tinedo is a Certified Anti-Money Laundering Specialist (CAMS) with the Association of Certified Anti-Money Laundering Specialists (ACAMS) and a certified compliance officer accredited by Mexico’s National Banking and Securities Commission (CNBV). He also holds certifications in Governance, Risk, and Compliance (GRC) from the Open Compliance and Ethics Group (OCEG) and in Internal Audit and Business Risk from the Institute of Internal Auditors (IIA) in London. He played a key role in developing a comprehensive financial risk management system tailored to the Venezuelan financial sector in collaboration with Durán y Asociados (RiskGuard®). Tinedo also created Venezuela’s early risk alert identification system and led the establishment of banking financial risk supervision at SUDEBAN. Notably, he was among the first to warn of the impending financial crisis in Venezuela in 2007 and 2010, identifying the risks associated with structured notes in the form of credit default swaps within local banks' investment portfolios. As an expert speaker, Tinedo has participated in numerous international conferences and forums, sharing his knowledge on financial risk, regulatory compliance, and financial crime prevention. His recent engagements include the GRC World Forum (London, UK, 2021-2022), ACAMS Latam Conference (Cancún, Mexico, 2023), IMCP AML Committee (Mexico, 2023), and ACFCS Latam (Argentina, 2023), among others. Through these platforms, he has contributed to the global dialogue on governance, risk management, and compliance (GRC), anti-money laundering (AML), and financial crime prevention. Additionally, he has collaborated with ACAMS in recording webinars for their financial crime training programs, further contributing to the education and professional development of compliance professionals worldwide. As an author, Tinedo has written four books—two on sanctions compliance in international banking and two on anti-money laundering (AML) practices. He is also a regular columnist specializing in AML, terrorist financing, financial risk, anti-bribery and corruption, financial crimes, and regulatory compliance. His articles have been published in ACAMS Today (Spanish edition), Mundo PLD, LEGIS International Accounting & Auditing Magazine, and other industry publications. Tinedo’s contributions have earned him several accolades, including Venezuela’s Mara de Oro Award in 2017 for excellence in banking compliance advisory on financial crime with international reach. He also received special recognition for his role in advancing financial risk management and supervision in Venezuela’s banking sector. In 2018, his book on money laundering prevention was recognized as the Best Book in the Banking and Finance Category by the International Association for Education, Culture, and Peace (AIDECP) in Lima, Peru.