Senior MLRO: AML, CTF & Financial Crime Leader

Docan Money

On

Sur place

EUR 90 000 - 140 000

Plein temps

14 jours+

Générateur de candidature

Démarquez-vous pour ce poste — générez un CV et une lettre de motivation personnalisés en environ une minute.

Passez les filtres ATS

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.