Stela Enache
Chisinau
Summary
Finance and compliance specialist with 4+ years of experience in audit and FinTech. Skilled in risk assessment, regulatory compliance, and transaction monitoring, with hands-on experience at Moorwand Ltd (FCA-authorized, Mastercard principal member). Detail-oriented and analytical, with a strong track record of supporting financial integrity and regulatory readiness in dynamic environments.
Overview
6
6
years of professional experience
Work History
Senior Ongoing Monitoring Analyst Fintech
Moorwand Ltd
03.2025 - Current
- Company Overview: Moorwand is a London-based fintech company, authorised by the FCA and a principal member of Mastercard, providing electronic money, issuing, and payment solutions to financial institutions and fintechs across Europe.
- Collaborated with cross-functional teams (IT, Compliance, Product) to define and implement customized transaction monitoring rules, ensuring system integration aligned with AML and FCA standards.
- Conducted risk assessments during fintech onboarding, evaluating operational models, system integrity, and regulatory compliance across multiple jurisdictions.
- Supported Mastercard–FinTech partnerships by aligning internal monitoring frameworks with network and regulatory expectations, ensuring compliance readiness and auditability.
- Performed data-driven analysis of transactional activity to identify patterns, enhance detection mechanisms for suspicious behavior, and improve risk segmentation.
- Led and supported multiple projects across diverse fintech environments, demonstrating strong organizational skills, cross-team coordination, and adaptability in fast-paced settings.
- Moorwand is a London-based fintech company, authorised by the FCA and a principal member of Mastercard, providing electronic money, issuing, and payment solutions to financial institutions and fintechs across Europe.
Senior Audit Associate
Deloitte
03.2024 - 03.2025
- Financial Auditing & Reporting – Conducting audits in compliance with IFRS/local GAAP and preparing detailed audit reports.
- Risk Assessment & Internal Controls – Identifying financial and operational risks, evaluating internal controls, and recommending improvements.
- Regulatory Compliance – Ensuring adherence to accounting standards, tax regulations, and industry-specific laws.
- Data Analysis & Analytical Review – Examining financial data to detect trends, inconsistencies, and potential risks.
- Stakeholder Communication & Collaboration – Engaging with clients, management, and auditors to provide clear financial insights and findings.
Experienced audit associate
PricewaterhouseCoopers International Limited
Chisinau
04.2021 - 03.2024
- Company Overview: PwC: Audit and assurance, consulting and tax services (https://www.pwc.com/)
- Preparing audit reports and statements for review.
- Checking that financial reports and records are accurate and reliable based on IFRS and US GAAP principles.
- SOX testing
- PwC: Audit and assurance, consulting and tax services (https://www.pwc.com/)
Loan Operations Specialist
ProCredit Bank
Chisinau
03.2020 - 04.2021
- Company Overview: ProCredit Bank, is a German bank which offers banking services for SMEs as well as for private individuals.
- Analyze loan profiles and process loan payments in a timely and accurate manner.
- Examine insurance documents and update loan collateral information.
- ProCredit Bank, is a German bank which offers banking services for SMEs as well as for private individuals.
KPI Specialist
Bosch Service Solutions
Timisoara
01.2019 - 01.2020
- Company Overview: Bosch, is a German multinational engineering and technology company that provides mobility solutions, industrial technology and energy.
- Monthly collection and centralization of the key performance indicators (KPI), from all functions.
- Perform data check and quality, requesting explanations and commentary for the KPI's.
- Ensure good communication with parties involved in the performance management process.
- Bosch, is a German multinational engineering and technology company that provides mobility solutions, industrial technology and energy.
Education
BS - Economics and Business Administration | Management
Universitatea De Vest
Timisoara, Romania09-2020
Skills
- Leadership
- Critical thinking
- MS Office and SAP proficiency
- Due diligence and analysis
Languages
- English, 90/100
- Romanian, 100/100
- Russian, 100/100
Timeline
Senior Ongoing Monitoring Analyst Fintech
Moorwand Ltd
03.2025 - Current
Senior Audit Associate
Deloitte
03.2024 - 03.2025
Experienced audit associate
PricewaterhouseCoopers International Limited
04.2021 - 03.2024
Loan Operations Specialist
ProCredit Bank
03.2020 - 04.2021
KPI Specialist
Bosch Service Solutions
01.2019 - 01.2020
BS - Economics and Business Administration | Management
Universitatea De Vest
Similar Profiles
Tatiana LazariTatiana Lazari
Implementation product assistant at Moorwand LtdImplementation product assistant at Moorwand Ltd
Felicia GutanuFelicia Gutanu
Head of Second Line Monitoring at Moorwand LtdHead of Second Line Monitoring at Moorwand Ltd
Felicia GutanuFelicia Gutanu
Ongoing Monitoring Manager at Moorwand LtdOngoing Monitoring Manager at Moorwand Ltd
Vladislav CecanVladislav Cecan
Assistent Manager at Sky Net SRLAssistent Manager at Sky Net SRL
Maxim HadîrcăMaxim Hadîrcă
Teacher Helper at LICEUL TEORETIC CU PROFIL ARTE “MIHAI GRECU”Teacher Helper at LICEUL TEORETIC CU PROFIL ARTE “MIHAI GRECU”