Money Laundering Reporting Officer

Docan Money; Wallonië; Sur place; EUR 90 000 - 140 000; Plein temps

Résumé du poste

Docan Money is seeking an experienced Money Laundering Reporting Officer to lead the AML/CTF, sanctions and financial crime compliance program in a fintech environment. You will shape the compliance strategy, advise senior management, and collaborate with product, engineering and operations to embed controls across the business.

The role requires independence, sound judgment and the ability to work with leadership and cross‑functional teams.

Qualifications

• Experience in AML, financial crime compliance, sanctions, or risk management within financial services, fintech, payments, banking, or e-money.
• Strong working knowledge of AML/CTF legislation, sanctions obligations, and regulatory expectations relevant to regulated financial institutions.
• Experience handling suspicious activity investigations, escalations, and regulatory reporting obligations.
• Experience designing, operating, or overseeing customer due diligence, enhanced due diligence, sanctions screening, and transaction monitoring controls.
• Strong understanding of risk-based compliance frameworks and governance in regulated businesses.
• Ability to assess complex customer, transactional, and operational risks and make sound, defensible decisions.
• Strong written and verbal communication skills, including the ability to present clearly to senior management and regulators.
• High level of integrity, independence, discretion, and attention to detail.
• Ability to work cross‑functionally and influence teams across compliance, operations, product, and leadership.
• Relevant compliance, AML, or financial crime qualifications are desirable but not mandatory where equivalent experience is demonstrated.

Responsabilités

• Act as the appointed MLRO and lead Docan Money’s AML, CTF, sanctions, and broader financial crime compliance programme.
• Maintain and continuously improve the company’s AML/CTF policies, procedures, controls, and governance framework.
• Oversee customer due diligence, enhanced due diligence, sanctions screening, transaction monitoring, and suspicious activity escalation processes.
• Review and investigate internal financial crime alerts, unusual activity, and high-risk customer cases, and determine when escalation or reporting is required.
• Make and manage Suspicious Activity Reports and other regulatory or law enforcement disclosures where appropriate.
• Conduct and maintain the business-wide AML/CTF risk assessment and ensure it reflects the company’s products, channels, customer base, and geographic exposure.
• Provide advice and challenge to senior management on financial crime risks, control effectiveness, and regulatory expectations.
• Oversee the design and calibration of monitoring rules, screening controls, and compliance-related operational workflows.
• Work closely with product, engineering, operations, and customer support teams to ensure new products and processes are designed with appropriate compliance controls.
• Manage AML/CTF training and awareness across the business and ensure relevant staff understand their responsibilities.
• Prepare management information, board reports, risk summaries, and compliance updates for senior leadership and governance forums.
• Support internal audits, regulatory enquiries, inspections, and reviews relating to AML, sanctions, and financial crime controls.
• Oversee relevant compliance outsourcing arrangements and third-party vendor relationships from a financial crime perspective.

Connaissances

AML / financial crime

Sanctions knowledge

Risk management

Regulatory reporting

Cross-functional collaboration

Communication to leadership

Training and awareness

Investigations

Formation

AML / regulatory qualifications desirable

Experience in regulated environment

Outils

Sanctions screening tools

Case management systems

RegTech software

Description du poste

Overview

Docan Money is seeking a Money Laundering Reporting Officer (MLRO) to lead and oversee the company’s anti-money laundering, counter-terrorist financing, sanctions, and financial crime compliance framework.

This role is responsible for ensuring that Docan Money maintains effective systems and controls to identify, assess, monitor, and manage financial crime risks in a regulated fintech environment.

The MLRO will play a central role in shaping compliance strategy, supporting product and operational growth, and maintaining strong regulatory standards across the business.

This is a senior role requiring sound judgment, independence, and the ability to work closely with leadership, operations, product, and customer-facing teams.

The successful candidate will act as a key point of contact for financial crime matters and help foster a strong culture of compliance across Docan Money.

Responsibilities

• Act as the appointed MLRO and lead Docan Money’s AML, CTF, sanctions, and broader financial crime compliance programme.
• Maintain and continuously improve the company’s AML/CTF policies, procedures, controls, and governance framework.
• Oversee customer due diligence, enhanced due diligence, sanctions screening, transaction monitoring, and suspicious activity escalation processes.
• Review and investigate internal financial crime alerts, unusual activity, and high-risk customer cases, and determine when escalation or reporting is required.
• Make and manage Suspicious Activity Reports and other regulatory or law enforcement disclosures where appropriate.
• Conduct and maintain the business-wide AML/CTF risk assessment and ensure it reflects the company’s products, channels, customer base, and geographic exposure.
• Provide advice and challenge to senior management on financial crime risks, control effectiveness, and regulatory expectations.
• Oversee the design and calibration of monitoring rules, screening controls, and compliance-related operational workflows.
• Work closely with product, engineering, operations, and customer support teams to ensure new products and processes are designed with appropriate compliance controls.
• Manage AML/CTF training and awareness across the business and ensure relevant staff understand their responsibilities.
• Prepare management information, board reports, risk summaries, and compliance updates for senior leadership and governance forums.
• Support internal audits, regulatory enquiries, inspections, and reviews relating to AML, sanctions, and financial crime controls.
• Oversee relevant compliance outsourcing arrangements and third-party vendor relationships from a financial crime perspective.

Qualifications

• Experience in AML, financial crime compliance, sanctions, or risk management within financial services, fintech, payments, banking, or e-money.
• Strong working knowledge of UK AML/CTF legislation, sanctions obligations, and regulatory expectations relevant to regulated financial institutions.
• Experience handling suspicious activity investigations, escalations, and regulatory reporting obligations.
• Experience designing, operating, or overseeing customer due diligence, enhanced due diligence, sanctions screening, and transaction monitoring controls.
• Strong understanding of risk-based compliance frameworks and governance in regulated businesses.
• Ability to assess complex customer, transactional, and operational risks and make sound, defensible decisions.
• Strong written and verbal communication skills, including the ability to present clearly to senior management and regulators.
• High level of integrity, independence, discretion, and attention to detail.
• Ability to work cross‑functionally and influence teams across compliance, operations, product, and leadership.
• Relevant compliance, AML, or financial crime qualifications are desirable but not mandatory where equivalent experience is demonstrated.

Bonus Qualifications

• Previous experience serving as an MLRO, deputy MLRO, or senior financial crime compliance officer.
• Experience in a startup, scale‑up, or high‑growth fintech environment.
• Familiarity with e‑money, payments, onboarding, fraud controls, and digital customer journeys.
• Experience working with sanctions screening, transaction monitoring, case management, and compliance technology vendors.
• Experience engaging directly with UK regulators or law enforcement bodies.
• Understanding of safeguarding, conduct risk, fraud prevention, and operational risk in financial services.
• Professional certifications in AML, compliance, or financial crime prevention.
• Experience helping to build and scale a compliance framework in an early‑stage regulated business.