ABOUTErin Lubowicz.
Independent
international advisor.
Erin advises governments, regulators, and international organisations on AML/CFT, counter-proliferation financing, FATF mutual evaluations, and financial-crime policy reform.
Her work is grounded in more than two decades across prosecution, national policy and regional leadership, including years inside the FATF plenary, the room where decisions are made.
ADVISORY PHILOSOPHYSystems that work - not compliance for its own sake.
I help jurisdictions design AML/CFT systems that work in practice and, as a result, comply with international standards.
That means looking beyond checklists to the real purpose of reform: managing risk, strengthening institutions and improving operational outcomes. Recommendations must reflect the legal, political and institutional environment in which they will be implemented.
Not every reform can happen at once, and not every reform should. Good judgement means identifying what matters most, sequencing reforms realistically and directing limited resources towards the changes that will deliver the greatest benefit.
Effective reform is pragmatic, deliberate and cumulative. It respects the people, institutions and constraints that make lasting change possible.
Confidentiality is a starting condition, not a value-add. Sensitive work is treated as such throughout.
CAREER NARRATIVEErin began her career as a civil litigator in the United States before moving to Palau, where she served as a prosecutor and Assistant Attorney General. This experience gave her an early appreciation of how legal and criminal-justice systems operate in practice, particularly in small jurisdictions with limited resources.
In New Zealand, Erin served as Chief Advisor for Criminal Justice at the Ministry of Justice and represented New Zealand as Head of Delegation to the Financial Action Task Force, contributing to the international standards that shape today’s AML/CFT and CPF systems. During this period she also trained as a FATF assessor and served as an assessor on the mutual evaluation of Hong Kong.
As Deputy Executive Secretary of the Asia/Pacific Group on Money Laundering (APG), she led work across 41 member jurisdictions on mutual evaluations, technical assistance, and financial-crime reform.
This means Erin has seen the mutual evaluation process from every position within it: as an assessor, as the country under assessment, as the regional body supporting the process, and as a decision-maker in the plenary room where ratings are settled. Very few advisers have occupied more than one of those seats.
She now advises independently, working directly with the institutions that carry responsibility for financial-crime response, and holds an Associate Fellowship with the RUSI Centre for Finance and Security.
A career built across the full financial-crime system.
QUALIFICATIONSAffiliations
Associate Fellow — RUSI Centre for Finance and Security
Former Deputy Executive Secretary — Asia/Pacific Group on Money Laundering
Former New Zealand Head of Delegation — FATF
Regions
Middle East and North Africa
Asia and the Pacific
Selected engagements globally
REGIONAL EXPERIENCEErin has worked extensively across the Middle East, North Africa, Asia and the Pacific. She has advised governments, regulators and international organisations in more than 40 jurisdictions.
Discuss your advisory needs
Contact Erin to discuss strategic advisory, technical assistance, institutional partnerships, or speaking enquiries.