EXECUTIVE PROFILE

I work with insurance companies and financial institutions facing regulatory, legal and compliance challenges in complex and evolving environments.

My role is to bring clarity, structure and practical direction at the intersection of regulatory requirements, supervisory expectations and business realities. I support organisations during periods of transformation, regulatory reviews and remediation, as well as in the management of ongoing compliance activities.

I combine hands-on implementation with structured governance, clear prioritization and concise reporting to senior management and boards. My approach is pragmatic, proportionate and aligned with supervisory expectations, with a strong focus on sustainable and workable solutions.

ABOUT ME

Professional background

With more than 18 years of experience in insurance law, compliance and financial regulation, I have built a solid and in-depth understanding of regulatory frameworks, supervisory expectations and the realities faced by insurance companies and financial institutions.

My career spans international consulting firms, insurance groups and regulated environments, where I have held senior roles such as Interim Head of Compliance, Executive Director in consulting and senior legal and compliance advisor. These roles have allowed me to develop a comprehensive view of compliance, combining legal expertise, governance responsibilities and operational implementation.

Throughout my career, I have supported organizations during periods of regulatory change and increased supervisory scrutiny, providing structured support at both strategic and operational levels, with a focus on continuity, clarity and effective prioritization of compliance activities.

I have worked with boards of directors, executive committees and senior management, supporting decision-making through analysis and reporting.

Scope

I support insurance companies, financial institutions and regulated entities in navigating complex regulatory, legal and compliance environments.

I intervene across the main regulatory frameworks impacting the insurance and financial services sector, including insurance regulation, compliance and sustainable finance, with a particular focus on IDD, ESG, PRIIPs, Solvency II, AML / CFT and GDPR.

My support is adapted to each organization’s context, regulatory maturity and risk profile. I work at both strategic and operational levels, in close collaboration with boards, senior management, compliance functions and business teams.

Experience

My experience covers a broad range of regulatory topics, including conduct of business, product governance, sustainable finance, prudential requirements and financial crime prevention.

Beyond technical expertise, my added value lies in my ability to translate regulatory requirements into practical and workable solutions. I focus on embedding compliance into governance structures and day-to-day operations, rather than treating it as a purely formal or theoretical exercise.

I pay particular attention to proportionality, risk-based approaches and long-term sustainability, ensuring that compliance frameworks are adapted to the size, complexity and activities of each organization.

Approach

My approach is structured, independent and pragmatic.

I work with a clear methodology, combining regulatory analysis, risk assessment and operational follow-up. I value clear documentation, realistic action plans and transparent communication with all stakeholders.

Compliance, in my view, should :

• support sound governance and informed decision-making
• strengthen trust with regulators and external stakeholders
• and contribute to the organization’s long-term resilience.

SERVICES

Interim Head of Compliance

I provide temporary leadership of the compliance function, ensuring regulatory continuity and effective governance during transition periods or periods of increased regulatory pressure.

This includes :

• oversight of the compliance framework and governance structure
• preparation and presentation of compliance reporting to senior management and boards
• development and monitoring of risk-based compliance action plans
• coordination of regulatory interactions and supervisory communications
• prioritisation of compliance activities within lean teams.

Regulatory & Compliance Advisory

I provide advisory support on key regulatory frameworks impacting insurance companies and financial institutions, tailored to the organization’s activities and risk profile.

Areas of support include :

• Insurance Distribution Directive (IDD) and conduct of business requirements
• ESG and sustainable finance regulatory obligations
• PRIIPs and insurance-based investment products (IBIPs)
• Solvency II governance and compliance aspects
• AML / CFT frameworks and controls
• GDPR and data protection requirements.

Regulatory Remediation & Post-Inspection Support

I support organizations following regulatory reviews, inspections or internal audits, with a focus on structured remediation and supervisory follow-up.

This support may include :

• regulatory gap analysis
• development and implementation of remediation action plans
• review and update of policies, procedures and governance documents
• preparation of supervisory responses and follow-up reporting
• operational guidance and internal coordination.

Training

I design and deliver compliance training tailored to insurance professionals and regulated entities, combining regulatory fundamentals with practical examples.

Training topics include :

• compliance fundamentals for the insurance sector
• ESG and sustainable finance regulatory requirements
• IDD and AML awareness
• regulatory updates and supervisory expectations.

CONTACT

For interim management assignments, regulatory advisory or compliance support, please feel free to get in touch.

Phone
+32 478 67 87 57

Email
lc.chhor@lcc-consultancy.com

LinkedIn
linkedin.com/in/lcc8979