Michelle Giddings is ICAEW’s Head of AML with operational responsibility for the AML supervision of ICAEW’s 9,500 AML-supervised firms. She is co-Chair of the Accountancy AML Supervisors Group and was Chair of the AML Supervisors’ Forum in 2021. Michelle qualified as a Chartered Accountant in 2005, completing her training contract at a Big Four firm and working within audit for Professional Services firms. In 2009, Michelle joined ICAEW’s Quality Assurance Department as a Senior Manager, leading monitoring reviews to larger, higher-risk firms and managing a team of reviewers conducting monitoring reviews across the country.

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Sandy originally trained with Ernst & Young, where she qualified as a chartered accountant. She then had operational roles in industry, including a few years at the BBC. This was followed by a stint as a sole practitioner which helped her to appreciate the many challenges faced by smaller firms. After 14 years as a quality assurance reviewer, she now works in the AML supervisory team at ICAEW. Although her role does encompass monitoring firms' compliance with the Money Laundering Regulations, a large chunk of it is dedicated to providing guidance to our member firms.