Kristina Neofitova

Kristina Neofitova is a seasoned expert in regulatory compliance, compliance risk management, and internal control within the banking and non-banking financial sector. She possesses in-depth expertise across AML/CFT, KYC/KYB, GDPR, MiFID, UCITS, operational resilience and related regulatory frameworks. Kristina holds a PhD in Automated Information Processing and Management Systems from ULSIT, with a doctoral dissertation focused on the technological, regulatory, and legal dimensions of the KYC process within the European personal data protection framework (GDPR) and its intersection with AML/CFT regulatory requirements.

Her professional trajectory spans senior and expert positions at a number of licensed entities, including management companies, investment intermediaries, and credit institutions, where she was responsible for compliance functions, KYC processes, regulatory control, internal policies, and day-to-day treasury and back-office operations. Her experience extends to the crypto-asset sector, where she applies comprehensive regulatory frameworks in line with MiCA and related European legislation.

Kristina's commitment to combating financial crime stems from her conviction that effective prevention demands a combination of legal precision, technological literacy, and institutional integrity. She firmly believes that in a world where the regulatory landscape evolves at an unprecedented pace, the continuous enrichment of knowledge and professional development are not a choice but an imperative — the only way to remain truly effective and to rise to the challenges that a constantly shifting legal environment places before us every day. Her expertise in the regulation of the banking and non-banking financial sector, including crypto assets, client identification, and operational risk management makes her a valuable contributor to the mission of the Bulgarian Association of Anti-Financial Crime Experts.