Elvira Fernandes is the Chief Compliance Officer for OTT Pay Inc. and OTT Pay USA Inc. At OTT, protecting merchants that choose to conduct and grow their businesses with OTT is key – helping each other maintain safe yet rewarding environments. With over 20 years experience in Financial Crimes Risk Management & Compliance, she has been responsible for Global AML Compliance Programs with impeccable examination results at a U.S. Money Transmitter with licenses in all US States and at a Canadian MSB where she was one of four co-owners. Prior to that, she gained a wealth of cross-border payments experience with RBC Capital Markets in FX & MM Operations and Global Currency Accounts Management.