Regulatory
Requirements translated into practical policies, documentation, and everyday workflows.
RAQ — About
About
A practical, detail-focused partner for compliance, legal administration, and the operational work that keeps organizations moving.
The RAQ approach
Practical expertise at the intersection of regulation, legal work, and operations.
RegulatoryAccurateQualified
The RAQ Approach
I make compliance simple and operations seamless.
Ma. Raquelene Joy Sta. Cruz, CAMS
As a Certified Anti-Money Laundering Specialist (CAMS) with extensive experience across legal, compliance, and regulatory operations, I bring a multidisciplinary background in AML compliance, legal support, licensing, and back-office administration.
My experience spans law firms, Money Services Businesses (MSBs), Bitcoin ATM operators, nonprofit organizations, and insurance companies. I have supported organizations in navigating regulatory requirements, maintaining compliance programs, managing licensing and reporting obligations, and coordinating day-to-day legal and operational processes.
I am experienced with legal practice and client relationship management (CRM) platforms, Bitcoin ATM manufacturer and service-provider systems, state licensing and regulatory portals—including NMLS and the Florida Office of Financial Regulation (FLOFR)—as well as Bank Secrecy Act (BSA)-related systems and processes.
I am open to remote and global opportunities in legal support, AML/BSA compliance, regulatory compliance, licensing, and compliance operations, particularly within financial services, fintech, cryptocurrency, and other regulated industries.
Professional Philosophy
Clear thinking. Careful execution. Dependable support.
Accurate
Details handled methodically, with discretion and a strong respect for process.
Qualified
Cross-functional experience applied to the real operational context around every engagement.
Ready for clearer compliance and smoother operations?
Start with a conversation about your priorities, current systems, and the support you need.