Doreen Bintu
Rotterdam
Summary
Finance and compliance professional with 10+ years of international experience across The Netherlands, UK, and Uganda. Skilled in credit control, financial administration, EU tax exemptions, and AML/KYC. Recognized for improving cash flow, ensuring regulatory compliance, and strengthening internal controls. Thrives in multicultural environments, with a proven record of delivering results in shipping, bunkering, and financial services.
Overview
16
16
years of professional experience
Work History
Financial Administration Manager
Intercontinental Bunkering Rotterdam
10.2023 - Current
- Daily debt collection activities across various markets to minimize the risk of bad debt and improve cash flow.
- Manage incoming transactions, processing and reconciliation of payments, refunds, reversals, handling disputes and netting between AR and AP.
- Process and invoice bunker trading orders, ensuring compliance with EU VAT, excise rules, and maritime exemptions (Netherlands, Belgium, Germany, France, Italy, Spain).
- Managed accounts receivable/payable, reconciliations, and payment files; support factoring and invoice corrections in coordination with the Finance Director.
- Performed KYC/AML checks on clients and suppliers, ensuring alignment with internal compliance and audit requirements.
- Assess Future Market price Prepared daily/weekly market reports customer quotations, and bunker Trading Spot and Tender contracts to support the commercial team.
- Coordinated document exchange with clients, suppliers; maintained accurate customer and compliance databases.
- Organized business travel, company events, and handled day-to-day communications with stakeholders
Credit Controller
Stolt Tank Containers BV
03.2018 - 09.2023
- Daily debt collection activities across various markets to minimize the risk of bad debt and improve cash flow.
- Manage incoming transactions, processing and reconciliation of payments, refunds, reversals, handling disputes and netting between AR and AP.
- Review and resolve client discrepancies/short payments, account adjustments, balance write off, customer reconciliations, and processing of credit memos.
- Identified root cause of collection delay, as a result the DSO (Days Sales Outstanding) was decreased from 30% to .07%, hence, increasing the (Account Receivable Turnover). DSO remained under 0.7% over the years.
- Prepare and distribute various monthly reports for the management, including A/R metrics, credit overrides, and status of disputes.
- Occasionally supported the Account Payable Team with generating invoices, PO numbers and direct debit payments.
- Work closely with the IT Support team to identify, resolve and fix the root causes of IT errors within several systems.
- Continuously looking for process improvement opportunities
KYC/AML Analyst & B2B Analyst
American Express
02.2014 - 06.2017
- Led KYC and AML investigations across high, medium, and low-risk clients, ensuring compliance with FCA, EU AMLD, and global regulatory standards. Partnered with Risk, Compliance, and Finance teams to strengthen the financial crime framework, streamline onboarding. Acted as a subject matter expert, providing guidance on AML/CTF requirements and training junior analysts.
- Conducted enhanced due diligence (EDD) on complex accounts, including PEPs and high-risk entities, using internal and external databases.
- Identified and escalated suspicious activity through SAR reporting to the AML Compliance Officer.
- Represented The The Netherlands and UK market in compliance projects, included KYC refresh, and AML framework updates.
- Provided day-to-day financial crime advisory support, liaising with MLRO.
- Participated in pilot initiatives to drive business growth, mitigate risk and take advantage of enhanced data and insights, to support risk assessment.
- Supported underwriting by assessing credit exposures, reviewing financial statements, and performing risk assessments.
- Produced reporting and business insights for internal leadership and external client reviews.
- Consistently exceeded quality audit standards while improving efficiency in onboarding and monitoring processes.
Export Coordinator
Zim Lines
08.2012 - 03.2013
- Prepared shipping documentation, maintaining compliance with US Customs and international regulations to facilitate exports.
- Followed up with customers to resolve inquiries and to deliver exceptional customer service through phone support or e-mail.
- Communicated information and instructions to and from vendors to research and resolve operational related issues.
- Processed customs declarations and maintained records of customs documents.
- Assisted with resolving disputes related to import and export activities including demurrage queries.
Finance Administrative Assistant
United Arab Shipping Company
09.2009 - 06.2012
- Managed day-to-day processing of financial transactions for account payables, account receivables, cash allocations and disbursements to ensure the finances are maintained and up to date.
- Handled customer billing, the registration of supplier invoices and reconciled monthly general ledge balance.
- Identify and resolve invoicing issues, accounting discrepancies and other financial related issues.
- Prepared monthly, quarterly and year-end reporting.
Education
International Compliance Diploma - Anti Money Laundering
ICA
Manchester, UK03.2023
Premaster in International Management - Business Management
Tilburg University
Tilburg, The Netherlands08.2012
Bachelor of Arts - Business Administration
University of Applied Sciences
Rotterdam, The Netherlands08.2010
Office Administration Certificate - Business Administration
ROC Albeda College
Rotterdam, The Netherlands06.2006
Skills
- Debt collection management
- Accounts receivable management
- Payment processing
- Reconciliation procedures
- KYC compliance
- AML regulations
- Financial reporting
- Credit risk assessment
- Compliance auditing
- Regulatory compliance standards
- Process improvement initiatives
- Transaction monitoring
Accomplishments
- Ensured 100% compliance with maritime VAT exemption rules in multiple EU jurisdictions.
- Streamlined invoice processing and improved accuracy of tax coding, reducing corrections.
- Strengthened internal controls through improved KYC/AML documentation procedures.
- Awarded top performer just after 3 months joining American Express in 2014 as KYC Analyst
- Selected to participate in pilot projects leveraging enhanced data and insights to drive business growth and mitigate risk.
- Delivered process improvements that reduced onboarding times and improved compliance efficiency.
- Built strong stakeholder relationships across multiple business functions and markets, enhancing collaboration and regulatory alignment.
- At United Arab Shipping Company, I was awarded for being dedicated and hardworking during the busy periods
Community Service & Volunteer Work
- Project Leader, Uganda, 2009, 2010, The role of Micro Finance in Alleviating Poverty Among Rural Communities in Western Uganda
- Event Coordinator, Brighton and Hove, UK, 2014, 2017, Coordinator in Charitable events around Brighton and Hove. Coordinated at Albion Stadium
LANGUAGES
Luganda: Native language
English: C2 Proficient
Dutch: B2 Upper intermediate
Swahili: C2 Proficient
Timeline
Financial Administration Manager
Intercontinental Bunkering Rotterdam
10.2023 - Current
Credit Controller
Stolt Tank Containers BV
03.2018 - 09.2023
KYC/AML Analyst & B2B Analyst
American Express
02.2014 - 06.2017
Export Coordinator
Zim Lines
08.2012 - 03.2013
Finance Administrative Assistant
United Arab Shipping Company
09.2009 - 06.2012
Premaster in International Management - Business Management
Tilburg University
Bachelor of Arts - Business Administration
University of Applied Sciences
Office Administration Certificate - Business Administration
ROC Albeda College
International Compliance Diploma - Anti Money Laundering
ICA