Charlene provides advisory on fraud, AML/CTF and sanctions compliance, risk management/mitigation, innovation, and safety and security, through her work on advisory boards, committees, university programs, and to start-ups as the Principal of Complifact AML Inc. (a division of Chark Enterprises). Currently, Charlene is largely involved in consulting for the payments, card issuing/acquiring and stablecoin payments businesses, subject to new requirements under the MSB/PSP in Canada, and MiCA regulations in Europe.