Backend Software Engineer

BPCE Compagnie Europeenne de Garanties et Cautions; Paris; Sur place; EUR 60 000 - 100 000; Plein temps

Résumé du poste

An established industry player is seeking a Money Laundering Reporting Officer (MLRO) to lead compliance efforts in Paris. This pivotal role involves overseeing compliance with financial regulations, managing risk assessments, and ensuring adherence to AML and CTF requirements. The ideal candidate will possess extensive experience in compliance within regulated environments, demonstrating strong leadership and analytical skills. You will work closely with various stakeholders, providing guidance and training to ensure a comprehensive understanding of compliance policies. This is a fantastic opportunity to make a significant impact in a dynamic and growing international team, where your expertise will help shape the future of compliance operations.

Qualifications

• 6+ years in senior Compliance roles with knowledge of AML, CFT, and KYC.
• Fluent in French and English with strong communication skills.

Responsabilités

• Oversee compliance and risk management for the France team.
• Manage suspicious activity reporting and compliance training.

Connaissances

Compliance Management

Risk Management

Analytical Skills

Stakeholder Management

Problem-Solving

Communication Skills

Team Leadership

Regulatory Knowledge

Formation

Bachelor's Degree

ACAMS / ICA Certification

Description du poste

To support our ongoing expansion in Europe, Checkout.com is actively seeking a Money Laundering Reporting Officer (MLRO) to be based in Paris and to act as the primary Compliance leader for our European operations.

The incoming leader will join a growing international team dedicated to Compliance. Reporting into our Regional Head of Compliance (EMEA), this role will work closely with various other functional partners (including Sales, Onboarding, Transaction Monitoring, Legal, Product, etc.) ensuring compliance with all applicable requirements concerning FinCrime, AML / CTF, and financial regulation.

The ideal candidate will be a confident leader with strong interpersonal and organizational skills. They will demonstrate an ability to promote proactive and effective solutions and exercise good judgment when partnering with internal and external stakeholders within a fast-paced, dynamic environment.

How you'll make an impact

• Providing oversight and compliance advice to the France team ensuring risk management and mitigation policies are embraced and adequately addressed.
• Reviewing escalations from the first line of defense, approving merchant applications, and making sure necessary CDD is performed at all times.
• Defining, developing, and documenting the Financial Crime and AML Programs to manage all sources of regulatory risk and providing reporting which meets the needs of our French regulator and bank partners to ensure they remain up to date with all standardized regulatory and international methodologies.
• Delivering country-specific risk assessments; highlighting control gaps.
• Managing compliance reporting as per regulatory and governance requirements and issuing internal reports to Senior Management (such as AML / CTF internal control reports, periodic internal reports, etc.).
• Acting as the nominated officer managing France suspicious activity reporting (SAR) process internally and externally.
• Assessing high-risk merchants whether at onboarding, as part of regular reviews, or during trigger events and delivering well-justified recommendations; ensuring these are being monitored accordingly.
• Training and supporting all necessary staff to ensure they understand their responsibilities and are fully literate in Checkout.com's money laundering and compliance policies and procedures; understanding how they can identify financial crime and how they should escalate suspicious activity internally and externally in the appropriate manner.
• Serving as a liaison to the local authorities, managing filings to the local Financial Investigation Unit (FIU) and communicating with regulators.
• Supporting the business and signing off where necessary the launch of products to ensure regulatory requirements are met as appropriate.
• Participating in numerous ad hoc Group compliance projects as needed.
• Maintaining awareness of industry trends on financial crime risks, emerging threats, investigating and assessing potential risks, and taking appropriate steps to mitigate it.
• Contributing to updating AML / CTF risk classifications and assessing ongoing risk exposure with new products / activities.
• Partnering with key stakeholders to develop and implement standards, processes, programs, and best practices related to risk management.

Qualifications :

• 6 years of experience within regulated companies in senior Compliance roles with robust knowledge on Compliance topics (e.g., KYB / KYC, AML / CFT, Sanctions, etc.).
• Proven domain expertise in the Financial Services / Payments sectors in Europe with a strong understanding of payments products and flows and of the related nuance of Compliance operations in this industry.
• Fluent French and English language skills; strong written and verbal communication.
• ACAMS / ICA certification is preferable.
• Strong analytical skills with experience in complex problem-solving and ability to implement and deliver solutions as well as identifying opportunities for change.
• Good organizational stakeholder management skills and willingness to expand technical knowledge across a broad range of topics and projects.
• A clear sense of accountability and a solution-oriented mindset (will represent our 'be the owner' operating principle) and lead by example.
• Ability to identify inefficiencies, see the bigger picture, challenge the status quo, and define scalable and sustainable processes for the future.
• Well organized, self-starter able to prioritize quickly and meet deadlines even under pressure; able to articulate roadmaps and deliverables clearly.
• Strong stakeholder management and communication skills with the ability to work independently and autonomously when needed.
• Team player with strong collaborative qualities ideally including previous experience building, leading, and motivating a diverse high-performing team.
• Willingness to learn continuously and keep up to date with the Payments industry and its regulatory landscape (not just in the Brazilian ecosystem but globally).
• Humility, low ego, and will be an ideal champion of our mission and values.