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DRAG
Compliance & AML Advisory
Structuring, assessment and implementation of compliance and anti-money laundering frameworks, tailored to local and international requirements.
Diagnostic and assessment of frameworks
- AML/CFT risk mapping
- Assessment of existing compliance frameworks
- KYC procedures review
- Process and operating model analysis
- Regulatory gap analysis
Structuring of Compliance & AML Frameworks
- Drafting of AML/CFT policies and procedures
- Definition of Risk Appetite and control frameworks
- Implementation of compliance governance frameworks
- Structuring of procedures manuals
Implementation of regulatory projects
- Support in the implementation of AML frameworks
- Structuring of transaction monitoring frameworks
- Implementation of compliance monitoring frameworks
- Participation in regulatory transformation projects
Third-party due diligence and oversight
- Initial and periodic due diligence
- Assessment of delegates and partners
- Third-party risk analysis
Investigations and forensic services
- Internal investigations related to fraud suspicions
- Suspicious transaction analysis
- Support to compliance functions
Our team
Member of the IIA and ALCO, Saïd has 15 years of professional experience serving financial services firms in Luxembourg, mainly banks, management companies and PSF.
Saïd built a robust experience in auditing and advising clients for a “Big Four” firm in Luxembourg. He also had the opportunity to practice the Internal Audit function in major banks active in wealth management in Luxembourg.
Saïd is the Managing Partner at HACA Partners and is mainly involved in Regulatory & Compliance, Risk Management and Internal Audit engagements.
Youssef has more than 7 years of experience with a background in legal studies. With a Master’s degree in criminal sciences from the university Hassan II, Casablanca, Morocco and a Mater’s degree in Litigation law from the University of Toulon, France, He embarked on a career in compliance, specialized in Anti-Money Laundering (AML) and Know Your Customer (KYC) processes.
Loubna has over 15 years of experience spanning client relations, office management, and financial services. She began her career in commercial and client-facing roles before transitioning into banking in 2018 with ING Bank in Brussels.
She holds certified training from Febelfin Academy (FSMA-accredited), covering banking intermediation, financial fundamentals, monetary circulation, savings, and investment products, and is also ACAMS-certified.
Within the banking sector, she has supported institutional clients, including the Brussels Court of Justice, and has developed strong expertise in AML/CFT, KYC, and regulatory compliance.