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
Capelle aan Ijssel, The Netherlands
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
Rotterdam, The Netherlands
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
Brighton, UK
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
Rotterdam, The Netherlands
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
Rotterdam, The Netherlands
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