Natalie Tenorio-Bernal, Senior Investigator

She leads the strategic direction and delivery of high-value, complex investigations for a broad client base, including corporates, financial institutions, charities, and high-net-worth individuals.

Natalie works closely with the criminal and civil teams, bringing a rigorous and analytical approach to the most challenging matters. Her experience spans the full lifecycle of an investigation, from initial case assessment and strategic planning through to evidence development and witness engagement. She has particular expertise in analysing large and complex financial datasets and translating them into clear, robust evidential frameworks.

Prior to joining EMM, Natalie spent several years within the Enforcement Division at the Financial Conduct Authority (FCA), where she worked on some of the most significant and high-profile regulatory and criminal investigations undertaken by the regulator. Her experience includes matters involving pension advice failures resulting in substantial consumer losses, mini-bond mis-selling, breaches of financial promotion rules, and financial crime. She was part of the team involved in the FCA’s first criminal prosecution of NatWest for money laundering failings under the Money Laundering Regulations.

Natalie is fluent in Spanish.