Anna Zotova

Anna is an e-commerce expert skilled in various competencies from AML to compliance and operations management with a track record of heading the Risk teams at Paydoo and CardPay. With xpate, Anna is responsible for numerous aspects of risk mitigation strategy: merchant, card scheme, compliance, AML, fraud, and chargeback. With her extensive experience in the compliance, fraud, and AML fields, she leads the xpate team to remain ahead of every region’s regulatory landscape as it continues its global expansion.?Zotova is an expert in Fin-tech with a proven record of professional achievements and also has skills on E-commerce, Risk, AML, Compliance, Operations management, Tech, Regulations, and Public Speaking.

Anna Zotova studied at the University of Geneva in Switzerland where she obtained a master’s degree in International Relations and National Security.

Her first experience was in Geneva Centre for the Democratic of Armed Forces, she started her career as Research Assistant. Moreover, she worked in Global Network for Right and Development as Head of Department, Human Rights, and Counterterrorism for two years a half, in the meantime she continued her studies, obtaining a Master of Laws, LLM, Law and Finance. She studied for two years at Riga Graduate School of Law, it’s a leading law school in the Baltic region, law studies integrated with business and diplomacy.

At the same time, as she was studying at Riga Graduate School of Law, she was working as a Head of Risk and Compliance in CardPay for one year. Card pay is a global merchant acquirer on a mission to enable fast, convenient, and secure payments for businesses worldwide.

Later on, Anna worked as Head of Risk and Compliance in Paydoo, a technology company that provides integrated payment solutions offering what is called acquiring-as-a-service as its flagship products this company.

Anna works in Xpate since august 2020. It’s a fintech startup that creates financial services making the payment process easier, faster, and accessible to everyone. She started as Chief Risk Officer (CRO), and currently she is still Chief Risk Officer and she is also a Money Laundering Reporting Officer (MLRO) for one year. With xpate, Anna is responsible for numerous aspects of risk mitigation strategy: merchant, card scheme, compliance, AML, fraud, and chargeback. With her extensive experience in the compliance, fraud, and AML fields, she leads the xpate team to remain ahead of every region’s regulatory landscape as it continues its global expansion.

She spoke at the AIBC conference about The challenges of international transactions: new ways of AML implementation (Day 2)