MLCO / Head of AML-CFT Compliance in Digital Banking

Freedom24; Paris; Sur place; EUR 120 000 - 180 000; Plein temps

Avantages offerts par ce poste

Strategic impact

Autonomy and ownership

International exposure

Growth opportunities

Résumé du poste

Freedom24 is building a compliant AML/CFT framework for a new French market offering. We seek an experienced MLCO to design and lead the AML/CFT function across our regulated digital banking initiatives.

You will implement policies in line with ACPR/TRACFIN/EU requirements, build the KYC/CDD/EDD processes, and partner with regulators and senior management to manage risk in a fast-growing fintech environment.

Qualifications

• 7+ years of AML/CFT compliance experience in a bank, PSP/EMI, or fintech.
• Strong knowledge of French and EU regulatory frameworks (Code monétaire et financier, LCB-FT, AMLD).
• Direct engagement with regulators (ACPR, TRACFIN) is required.
• Experience building a compliance function or processes from scratch.

Responsabilités

• Design and implement AML/CFT policies and procedures in line with ACPR, TRACFIN and EU requirements (AMLD5/6).
• Build and oversee the KYC/KYB framework, including CDD/EDD.
• Monitor transactions, identify suspicious activity, and prepare TRACFIN filings.
• Conduct risk assessments across products, customers, geographies and channels.
• Act as primary contact with regulators (ACPR, TRACFIN, AMF).
• Train staff on AML/CFT, sanctions compliance and fraud prevention.
• Report to senior management on compliance risks and controls.

Connaissances

AML/CFT Compliance

Regulatory Knowledge

Regulatory Engagement

KYC/CDD

Risk Assessment

Regulatory Reporting

ACAMS

French & English

Description du poste

Overview

Freedom24 is an international fintech and investment platform, part of Freedom Holding Corp. (NASDAQ: FRHC), providing brokerage and financial services to clients across Europe. We are actively expanding our presence in France and, as part of our broader strategy to grow our product offering, we are exploring the launch of new regulated financial services in the French market, including a digital banking offering. To support this, we are strengthening our compliance team and looking for an experienced MLCO to build and lead the AML/CFT function for this new area of our business. This is a unique opportunity to join at an early stage and directly shape the compliance infrastructure from the ground up.

Responsibilities

• Design and implement AML/CFT policies and procedures in line with ACPR, TRACFIN and EU regulatory requirements (AMLD5/6).
• Build and oversee the KYC/KYB framework, including customer due diligence (CDD/EDD).
• Monitor transactions, identify suspicious activity, and prepare TRACFIN filings.
• Conduct risk assessments across products, customers, geographies and channels.
• Act as the primary point of contact with regulators (ACPR, TRACFIN, AMF).
• Train staff on AML/CFT, sanctions compliance and fraud prevention.
• Report to senior management on compliance risks and controls.

Requirements

• 7+ years of experience in AML/CFT compliance within a bank, payment institution (PSP/EMI), or fintech company.
• Strong knowledge of French and EU regulatory frameworks (Code monétaire et financier, LCB-FT, AMLD).
• Proven hands‑on experience directly engaging with regulators (ACPR, TRACFIN) — correspondence, inspections, reporting.
• Experience independently building a compliance function or processes from scratch, not just operating within an already established system.
• Comfortable working in a startup environment: high ambiguity, few pre-built processes, and the ability to make decisions independently.
• Understanding of digital financial and/or payment services and related risks.
• Fluent in French and English.
• ACAMS certification is a plus.

Benefits

• A rare opportunity to build a compliance function for a new business line from the ground up — with direct influence on strategy and product.
• A competitive salary that reflects the seniority and responsibility of the role.
• A role within an international, publicly listed company (NASDAQ: FRHC) with ambitious growth plans in Europe.
• Real autonomy and high level of trust — a rare chance to build something new, not just maintain an existing function.