Deputy Mlro Spain

JR Spain; Madrid; Presencial; EUR 50.000 - 70.000; Jornada completa

Descripción de la vacante

A leading European neobank is seeking a skilled AML/CTF professional in Madrid. You will ensure compliance with local regulations, monitor KYC for merchants, and train staff on AML/CFT practices. Candidates should have at least 3 years of experience in financial crime prevention and fluency in Spanish and English. This role offers competitive salary and growth opportunities in a fast-paced fintech environment.

Servicios

Competitive salary

Annual bonus based on targets

Digital collaboration environment

Regular feedback for skill development

Growth opportunities in fintech

Formación

• Proven experience of at least 3 years in combating Money Laundering / Terrorism Financing.
• Solid knowledge of AML/CTF regulatory framework.
• Hands-on experience with systems related to AML/CTF.
• Fluency in Spanish and English; additional languages a plus.

Responsabilidades

• Ensure implementation of local legislation and regulations.
• Monitor KYC requirements for merchants.
• Liaise with banks and fintechs on AML issues.
• Prepare reports for authorities and stakeholders.

Conocimientos

AML regulations

Fraud detection

Data analysis

Confidentiality

Integrity

Educación

Background in Law, Finance, or Economics

Professional certifications (ACAMS, ICA, CRISK, ACFE)

Descripción del empleo

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Description

We are looking for a top league AML/CTF professional, with proven expertise in the Anti Financial Crime (AFC) field, including but not limited to Money Laundering and Terrorism Financing detection and mitigation.

Why us?

We are the first European entirely cloud-based Neobank using Microsoft Azure with branches in 23 countries in Europe. Our mission is to change how businesses pay and get paid. Viva Wallet is a principal member of Visa and Mastercard for acquiring and issuing services. Viva Wallet provides businesses of all sizes card acceptance services through the innovative Viva Wallet POS app, add-on Google Play devices, and through advanced payment gateways in online stores. It also offers business accounts with local IBAN and a business Viva Wallet Mastercard card. Viva Wallet Holdings owns a subsidiary Greek banking company (VIVABANK SA) and a subsidiary E-money Institution as per PSD II Directive provisions with passporting rights across the entire EEA Region.

What you will do

• Reporting to the Country AML Manager-MLRO, you will:
• Ensure implementation and adherence to local legislation, rules, and regulations
• Assist in designing and/or enhancing procedures and policies
• Monitor adherence on behalf of the MLRO to the domestic KYC requirements and transactional behavior of the local portfolio of merchants in Spain
• Liaise with Issuing, Acquiring, and Payments oriented Banks, FinTechs, and PSPs on AML & Anti-Fraud related issues
• Assist in training the local branch's staff and actively promote and safeguard AML/CFT culture
• Prepare reports to external authorities and internal stakeholders
• Deputize for the MLRO in their absence or when necessary

Requirements

About you

• You have proven experience of at least 3 years in combating primarily Money Laundering / Terrorism Financing as well as Fraud in Spain, preferably within the context of merchant acquiring and payments
• You possess solid knowledge of AML/CTF ever-evolving regulatory framework
• You have hands-on experience on systems, databases, and tech solutions related to AML/CTF
• You enjoy analysis as well as synthesis of data
• You have a "can do" attitude and take ownership of your work
• You consider integrity and confidentiality as your most invaluable characteristics
• You have a background in Law, Finance, or Economics
• Any professional certifications (i.e., ACAMS, ICA, CRISK, ACFE) will be considered a plus
• You speak and write fluently Spanish and English. Additional EEA-31 languages will be considered a plus

Benefits

• Competitive salary
• Annual bonus based on targets' achievement
• A fully digital, fast-paced, transparent way of collaboration
• Regular feedback to develop your skills
• A chance to grow within a fast-moving European fintech/neobank