Annie Ruler

Annie Ruler is a senior Governance, Risk and Compliance (GRC) leader with extensive experience in financial crime prevention, data privacy, regulatory compliance, ethics and enterprise risk management across highly regulated, international environments. She currently serves as Head of Compliance & DMLRO at P&O Ferries, where she leads the organisation’s compliance strategy and helps shape its risk and governance framework, ensuring alignment with UK, EU and international regulatory requirements, ethical standards and wider Group expectations within the logistics industry.

Her professional background includes developing specialised AML and CTF frameworks within the gambling sector and money service businesses, providing a strong grounding in customer due diligence, enhanced due diligence, financial crime risk assessment and regulatory oversight. Combined with broader commercial and operational experience in international and customer-focused organisations, this enables Annie to bridge the gap between regulatory expectations and practical implementation, helping establish the governance, processes and cultural foundations necessary for a resilient, ethical and well-controlled business.

Recognised for her depth of expertise, pragmatic judgement and ability to navigate complex regulatory and operational challenges, Annie acts as a trusted adviser to senior leadership and a subject-matter expert across compliance, financial crime, privacy and regulatory risk. Annie brings experience in establishing and strengthening the foundations of effective, accountable and sustainable compliance functions, particularly during periods of organisational transformation. She has experience embedding clear ownership, proportionate controls and robust governance into business operations, ensuring compliance is integrated into organisational decision-making, risk management and day-to-day business practices. Her approach focuses on translating standards and regulatory expectations into practical, business-led frameworks that promote operational resilience, transparency, accountability and long-term organisational integrity.

She brings a risk-based, commercially aware approach to compliance leadership, balancing regulatory obligations with operational realities while driving continuous improvement, strengthening internal controls and promoting a culture of individual and collective accountability.