Laura Terpstra

As a dedicated professional with experience in the banking and insurance sector, I have successfully contributed to Belfius Bank & Insurance, which serves over 3.8 million customers and manages approximately €179 billion. My initiatives have contributed to a 4% increase in market share among young customers and a 7% growth among entrepreneurs. I specialize in controlling responsibilities, ensuring that our organization adheres to the rules of conduct that protect the customer (B2C), with a particular focus on credits. My role involves adjusting and following these rules, collaborating with the business to find optimal solutions that meet both business needs and supervisory requirements. This approach ensures that we minimize liability risks associated with non-compliance and prioritize customer protection.

In addition to my controlling role, I excel in navigating complex regulations and developing policies that foster sustainable and ethical business practices. What truly drives me is the opportunity to build bridges between diverse stakeholders, facilitating collaboration to achieve common goals. My strong communication and analytical skills enable me to guide teams in managing compliance risks.

As a Business Advisor in the Compliance department, I serve as a key liaison between commercial teams and the second line of defense, guiding the business in identifying, assessing, and managing compliance risks across the bank’s operations. My core responsibility is ensuring that Belfius operates in line with regulatory expectations and internal conduct rules, particularly in the domain of credit processes for B2C customers.
I collaborate with internal stakeholders to translate complex regulatory requirements into practical, business-aligned policies and procedures. I provide ongoing support by reviewing new initiatives for compliance implications, optimizing policy frameworks, and conducting monthly internal trainings to promote a culture of integrity and customer protection.
In this role, I proactively monitor legislative developments and ensure timely integration into our compliance framework. I also contribute to strategic compliance planning and work on internal reporting processes that ensure transparency and risk awareness at the management level.
My work requires a strong combination of legal acumen, communication skills, analytical thinking, and a solution-oriented mindset, all of which contribute to Belfius' commitment to responsible, sustainable, and client-focused banking.

Dedicated professional with experience in the banking and insurance sector, contributing to Belfius Bank & Insurance's growth and customer base. Specialized in compliance, risk management, and stakeholder collaboration, with a focus on sustainable and ethical business practices. Strong communication and analytical skills, certified as a Qualified Operational Compliance Professional.

KEY SKILLS

• Compliance & Risk Management
• Stakeholder Collaboration
• Analytical & Problem-Solving Skills
• Customer-Oriented
• Multilingual: Dutch (Native), English & French (Fluent), German (Basic)

PROFESSIONAL EXPERIENCE

Belfius Bank & Insurance, Brussels, Belgium Business Advisor – Compliance | October 2024 – Present

• Guide commercial teams in compliance risk management.
• Develop and optimize policies, ensuring regulatory adherence.
• Collaborate with departments to assess new initiatives.
• Monitor regulations and provide monthly training.

Young Professional Rotation Program | October 2022 – 2024

• Strategic Risk – Resolution: Contributed to Bail-In Playbook development, reviewed SLA and outsourcing contracts, and conducted Dry Run exercises.
• Marketing for business clients (E&E&P) – ESG: Introduced ESG tools, authored articles, and analyzed competitors' ESG strategies.
• Compliance Insurance department: Verified contractual mandates, wrote newsflashes, and listed compliance checks.
• Private, Business & Retail – Corporate Office: Coordinated business performance, streamlined operations, and contributed to Belfius Strategy 2025 and 2030.

EDUCATION

• Master in Law, University of Ghent (2019 – 2022)
• Linking Course Master of Law, University of Ghent (2017 – 2020)
• Bachelor of Business Management, Artevelde University College Ghent (2014 – 2017)

CERTIFICATION

• Qualified Operational Compliance Professional

LANGUAGES

• Dutch: Native (C2)
• English & French: Fluent (C1)
• German: Basic (A2)

PERSONAL ENGAGEMENTS

• Certified First Aider (2024 – Present)
• Voluntary Dutch Teacher for non-native speakers (2023 – Present)