Money Laundering Reporting Officer (MLRO)

Evotym SIA; Helsinki; Hybrid; Confidential; Full time

Benefits offered by this job

Competitive salary

Hybrid work environment

High-impact role in scaling fintech

Social benefits

Job summary

Evotym SIA, a fintech EMI operating across the EU, seeks an experienced MLRO to lead AML/CTF compliance initiatives.

You will oversee transaction monitoring, develop policies, conduct risk assessments, train staff, and report to senior management and regulatory bodies. Fluent English and Finnish are required; a hybrid work arrangement is offered.

Qualifications

• 5+ years of AML/Compliance or Financial Crime experience in fintech/regulated finance.
• Strong knowledge of EU AML/CTF regulations and FIN-FSA expectations.
• Experience developing and overseeing AML/CTF frameworks, policies, and controls.
• Hands-on with transaction monitoring, investigations and escalation processes.
• Understanding of KYC/CDD/EDD, sanctions, and regulatory reporting requirements.
• Experience with AML compliance systems/tools.
• Fluent English and Finnish required.

Responsibilities

• Lead AML/CTF compliance for an EMI operating across the EU.
• Oversee suspicious activity monitoring and financial crime controls.
• Develop, implement, and maintain AML policies and procedures.
• Conduct risk assessments and audits to identify regulatory gaps.
• Provide training and guidance to staff on AML compliance and regulatory changes.
• Collaborate with cross-functional teams to embed compliance into business processes.
• Report to senior management and regulators on compliance status and risk.
• Drive continuous improvement of the compliance program.

Skills

AML/CTF compliance

Regulatory reporting

KYC/CDD/EDD

Transaction monitoring

Stakeholder management

Staff training

Education

CAMS certification

ICA certification

Job description

About the Client

Our client is an international Electronic Money Institution specializing in online payment processing solutions. They offer a range of services including payment gateway services, global payment processing, merchant accounts, open banking, and recurring and mass payments. Their diverse clientele includes online businesses from various sectors, supporting multiple currencies and payment methods.

Role Overview

Join a growing team as an MLRO, where you will spearhead AML/CTF compliance initiatives for a licensed EMI operating across the EU. This role offers significant impact and growth opportunity, demanding deep expertise in AML regulations and strong stakeholder management skills. You will work with modern compliance tools in a hybrid work environment.

Tasks

• Lead AML/CTF compliance for a licensed EMI operating across the EU.
• Oversee suspicious activity monitoring.
• Maintain the financial crime control framework in line with FIN-FSA requirements.
• Develop and implement AML policies and procedures to ensure compliance with regulatory standards.
• Conduct regular risk assessments and audits to identify potential compliance issues.
• Provide training and guidance to staff on AML compliance and regulatory changes.
• Collaborate with cross-functional teams to integrate compliance measures into business processes.
• Report to senior management and regulatory bodies on compliance status and risk management strategies.
• Drive continuous improvement initiatives in the compliance program to adapt to evolving regulatory landscapes.

Requirements

• 5+ years of relevant experience in AML, Compliance, or Financial Crime within fintech, payments, EMI or another regulated financial services environment.
• Strong knowledge of EU AML/CTF regulatory requirements and familiarity with FIN-FSA expectations and supervisory standards.
• Proven experience in developing, implementing, and overseeing AML/CTF compliance frameworks, policies, and controls.
• Hands-on experience with transaction monitoring, suspicious activity detection, investigations and escalation processes.
• Solid understanding of financial crime risk assessment, KYC/CDD/EDD, sanctions and regulatory reporting requirements.
• Experience working with transaction monitoring and AML compliance systems/tools.
• Strong stakeholder management skills and the ability to work effectively with senior management, internal teams and regulatory authorities.
• Professional AML/Compliance certification such as CAMS, ICA or equivalent is considered a strong advantage.
• Fluent English and Finnish are required.

Benefits

• Competitive salary aligned with experience
• Collaborative and transparent team culture
• High-impact role in a scaling fintech company
• Recognition of personal milestones and achievements
• Social benefits

Lead anti-financial crime efforts and ensure regulatory excellence in a dynamic neobank environment