DMLRO & FinCrime Lead — Spain Branch

Wise; Madrid; On-site; EUR 110,000 - 150,000; Full time

Job summary

Wise is building its Spanish branch and seeking a Fincrime expert to set up a robust AML/CTF framework for Wise Spain. You will deputise for the MLRO, oversee SARs to SEPBLAC, and align controls with Spanish regulatory obligations across cross-functional teams.

You will work with 1LoD teams, product, and global stakeholders to ensure early compliance in new products and rapid response to regulatory changes.

Qualifications

• 7+ years of experience in financial crime compliance (AML/CTF).
• In-depth knowledge of Spanish financial crime regulations and risk management.

Responsibilities

• Deputise for the MLRO when necessary, ensuring oversight of fincrime operations and interactions with authorities.
• Oversee suspicious activity reporting, establish standards for reports and SAR submissions to SEPBLAC.
• Maintain local fincrime policy framework aligned with Spanish regulations and market practice.
• Horizon scan for new fincrime regulations and implement changes.
• Provide assurance to 1LoD teams that controls are effective and aligned with Wise risk appetite.
• Advise product and business teams on fincrime compliance for new products/features.
• Coordinate with Internal Audit and External Expert for information requests.
• Create risk assessment reports for branch self-assessment and product launches.
• Support regulators content creation and liaison with FIU and law enforcement.

Skills

AML/CTF

Financial crime

Regulatory knowledge

Project management

Stakeholder collaboration

Job description

Wise is building its Spanish branch and seeking a Fincrime expert to set up a robust AML/CTF framework for Wise Spain. You will deputise for the MLRO, oversee SARs to SEPBLAC, and align controls with Spanish regulatory obligations across cross-functional teams.

You will work with 1LoD teams, product, and global stakeholders to ensure early compliance in new products and rapid response to regulatory changes.