About PinheiroRisk.com
Who I Am
I’m Sheila Pinheiro, CFE, a fraud and risk specialist with over 20 years of experience across banking, fintech, telecoms, and iGaming.
I work at the intersection of payments, fraud prevention, and regulatory compliance supporting businesses navigating growth, complexity, and increasing scrutiny from banks and regulators.
What I Do
I provide senior-level, hands-on support to businesses that need to strengthen, structure, or scale their fraud and risk environments.
This includes:
- Supporting PayFacs, PSPs, and fintechs preparing for bank engagement
- Building practical, scalable fraud and risk frameworks
- Strengthening governance, policies, and operational controls
- Providing fractional leadership where full-time roles are not yet viable
My Approach
I don’t implement theory. I build what works under pressure.
My work focuses on:
- Frameworks that stand up to bank and regulatory scrutiny
- Solutions that work in real operational environments
- Balancing risk, compliance, and commercial realities
The Pinheiro Risk Approach
- Onboarding Integrity – KYC, KYB, risk tiering
- Transaction Monitoring – Fraud detection and controls
- Regulatory Alignment – PASA, SARB, sponsor banks
- Governance – Policies, reporting, audit readiness
- Scale Readiness – Growth without control breakdown
Risk and compliance should enable growth — not block it.
Who I Work With
I partner with organizations in the banking, fintech, and iGaming industries, providing tailored solutions to meet their specific challenges. My diverse experience positions me to effectively address various risk scenarios.
How I Work
Practical, structured, and execution-focused.
- Aligned to bank and regulatory expectations
- Integrated into existing operations
- Designed for scalable growth