Zay (Zebonisia) Chutel is a Manager in the Regulatory Transformation team for Teneo in the Channel Islands. She is a specialist in Anti-Money Laundering with nearly a decade of experience supporting companies through regulatory transformation.

Prior to joining Teneo, Zay spent several years at Deloitte South Africa where her role involved comprehensive support in Financial Crime Compliance and Investigations with a specific focus on AML/CFT where she supported on a high-pressure remediation of a large banking client with tight regulatory timescales; supported on financial irregularity investigations at government departments and private sector clients; supported on a transaction monitoring engagement at a large bank; lead on a sanctions clearing engagement for an online payments provider; and lead on a UBO specialist secondment at an international banking and wealth management group. Zay also joined Deloitte Guernsey as an Assistant Manager in the Risk Advisory division where she supported a bank in updating and aligning their compliance framework to the Guernsey Handbook.

Selected Project Experience:

• Providing quality assurance reviews of customer due diligence for a Guernsey trust and corporate service provider and for a Cayman Islands corporate service provider.
• Supporting a corporate service provider prepare for a key regulatory visit.
• Supporting the development of a compliance framework for suitability and vulnerable customers for a bank in Bermuda;.
• Providing support to a local investment management provider facing regulatory challenge and scrutiny.