Compliance Officer Belgium-Luxembourg

Ria Money Transfer; Brussel; On-site; EUR 90,000 - 120,000; Full time

Benefits offered by this job

Meal vouchers

Health insurance

Homeworking options

Company bonus

Job summary

Ria Money Transfer in Brussels is seeking a Compliance Officer Belgium-Luxembourg to define and implement the company’s compliance policy across money transfer and currency exchange operations, ensuring alignment with FSMA and BNB.

You will lead the local compliance team, monitor AML/CTF controls, manage regulatory inquiries, develop training programs, and collaborate with regulators and the European HQ in Madrid to embed robust compliance into daily operations.

Qualifications

• Bachelor or master’s degree in law, finance, or a related field obtained in Belgium.
• 5–10 years of experience in a compliance role within the Belgian financial services or banking sector.
• In-depth knowledge of Belgian financial regulation (FSMA, NBB, AML/CTF).
• Fluency in English and French; Dutch is a plus.

Responsibilities

• Define and implement comprehensive compliance policies for money transfer and currency exchange operations, ensuring alignment with FSMA and BNB regulations.
• Lead the local Compliance team (7 employees) including recruitment and performance reviews.
• Oversee AML/CTF monitoring and KYC processes for agents and sites.
• Liaise with regulators (FSMA, BNB) and manage regulatory inspections and inquiries.
• Develop and deliver compliance training programs and update manuals and policies.
• Prepare regular compliance reports for senior management and cross-border coordination with the European HQ in Madrid.

Skills

Analytical skills

Communication skills

Fluency in English & French

Multitasking

Regulatory interpretation

Education

Bachelor/Master’s degree in law or finance (Belgium)

Job description

Ria Money Transfer, a business segment of Euronet Worldwide, Inc. (NASDAQ: EEFT), delivers innovative financial services including fast, secure, and affordable global money transfers to millions of customers along with currency exchange, offering a reliable omnichannel experience. With over 600,000 locations in nearly 200 countries and territories, our purpose remains to open ways for a better everyday life.

Your primary objective as Compliance Officer Belgium - Luxembourg is to define and implement the company’s compliance policy in accordance with all regulatory requirements (notably those of the FSMA and BNB) and the group’s internal policies. This includes a focus on detecting and preventing money laundering, terrorist financing, and consumer fraud activities. The Compliance Officer’s mission is to ensure compliance with consumer protection requirements and all other laws and regulations applicable to Ria's activities as a financial services company in Belgium and Luxembourg. You will also lead the local Compliance team.

Missions

• Manage the local Compliance team (7 employees) by leading and training them, conducting performance reviews and assessments, carrying out recruitment interviews, and handling administrative management (leave, expenses, etc.).
• Define and implement comprehensive compliance policies and procedures for money transfer and currency exchange operations, ensuring alignment with FSMA and BNB regulations and other applicable laws.
• Collaborate on implementing and enhancing an effective compliance risk assessment policy to identify risks associated with the regulatory environment, the products and services offered, geographic operating areas, and distribution channels used.
• Oversee the monitoring of agency and agent activities, ensuring transactions at Ria sites comply with internal anti-money laundering and counter-terrorist financing policies.
• Lead due diligence tasks for potential agents to onboard, process, and continuously update KYC records.
• Regularly conduct compliance audits and risk assessments across all sites (agencies and agents) to identify areas of vulnerability and risk; develop and implement corrective action plans.
• Prepare and update operational compliance manuals for currency exchange and money transfer operations, risk assessments, and training materials for personnel at all sites.
• Liaise with regulatory bodies (including FSMA and BNB) and other competent authorities, handling all regulatory requests and inspections.
• Lead the development and implementation of compliance training programs for all employees to improve knowledge and understanding of regulatory requirements and internal policies.
• Monitor changes in legislation and regulatory requirements impacting currency exchange and money transfer operations, ensuring all business practices are updated accordingly.
• Collaborate with management and operational teams in Brussels and the European headquarters in Madrid to integrate compliance controls into daily operations and strategic planning.
• Prepare regular compliance reports for senior management, highlighting compliance activities, trends, and risk areas.

Qualifications

• Bachelor/master’s degree in law, or in finance or in a related field obtained in Belgium. Professional certifications in compliance (e.g. FEBELFIN) would be advantageous.
• Minimum of 5-10 years of experience in a compliance role in Belgium within the financial services industry or banking sector.
• In-depth knowledge of the financial regulatory landscape in Belgium, including FSMA and NBB regulations, AML laws, and CTF regulations.
• Strong analytical skills and the ability to interpret complex regulatory requirements and translate them into operational policies and procedures.
• Excellent communication and interpersonal skills, with the ability to engage effectively with regulators, management, and staff at all levels.
• Proven ability to manage multiple tasks and locations, with a strong focus on detail and accuracy.
• Fluency in English and French is essential, Dutch is a real plus.

OUR OFFER

• A permanent and full-time contract (39h/week).
• A first-class office located in the centre of Brussels (metro Jardin Botanique).
• An attractive salary package including meal vouchers (9€/day), health insurance, 2 homeworking days per week, 20€ homeworking allowance, 26 holidays, company bonus, laptop, mobile phone and other benefits...
• A dynamic and international working environment in a fast-growing company.
• Career growth opportunities at local or European level.