Annette Perales

Director, XReg Compliance

Annette is Director of XReg Compliance and provides clients with technical advice and support on the practical application of AML/CFT obligations. She also provides support to XReg Consulting as Senior Consultant, with expertise on AML/CFT matters.

Annette has over 17 years of experience working within the financial services industry. She started her career in insurance, working for an intermediary with international outreach.  Annette spent four years in this sector before joining the Gibraltar Financial Services Commission, where she worked for close to 14 years.

During her time at the GFSC, Annette had numerous and varied responsibilities. She was responsible for authorisation and ongoing supervision of insurance intermediaries and companies, investment firms, e-money and payment institutions, banks and bureaux de change. Annette was then appointed manager of the Authorisations team. Part of her responsibilities included driving the revamp of the authorisations process across all regulated sectors, resulting in a streamlined, pragmatic, and un-bureaucratic approach. Annette developed her technical expertise across all financial services industries through the authorisations process.

In 2017, Annette was appointed as Head of AML/CFT Supervision working with a team to focus supervisory attention on ML/TF/PF risks. Annette led the GFSC’s internal preparatory work for Gibraltar’s evaluation by MONEYVAL (on behalf of the FATF).  She was also the Government of Gibraltar’s appointed project leader to drive the remediation action plan by all public stakeholders following the evaluation.

Annette has played a vital role in enhancing and reviewing Gibraltar legislation to identify gaps concerning international AML/CFT Standards. This has included the implementation of a registration regime for sectors that were not adequately supervised, such as virtual asset arrangement providers and token issuers.

Additionally, Annette is a trained evaluator by MONEYVAL, to assess countries against the FATF Standards; and was recently part of the evaluation team for a MONEYVAL country evaluation.

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