Money Laundering Reporting Officer (MLRO)

Schuman Financial AG; France; Sur place; EUR 120 000 - 180 000; Plein temps

Avantages offerts par ce poste

Remote-first – up to one day on-site

Competitive compensation

Senior, board-visible role

Direct exposure to AML/CFT perimeters

Résumé du poste

Schuman Financial, France-based fintech, seeks a senior MLRO to own the AML/CFT programme across the group with direct access to leadership and regulatory bodies.

You will manage risk classification, onboarding (KYC/KYB), monitoring, and sanctions screening, while coordinating with risk, risk analytics, COO, and product teams to embed controls and ensure regulatory compliance.

Qualifications

• 5–8 years of AML/CFT compliance within a regulated EU financial institution.
• Named MLRO or Deputy MLRO or equivalent accountability role.
• Deep expertise in French AML/CFT framework with Tracfin experience.
• Strong knowledge of AMLD5/6, MiCA provisions, and TFR.
• Experience designing/overseeing transaction monitoring and sanctions screening.
• Knowledge of KYC/KYB for retail and institutional clients.
• Fluent in French and English (written and spoken).

Responsabilités

• Act as the designated MLRO under French law with statutory responsibility for AML/CFT across the group.
• Own and improve the AML/CFT risk classification framework.
• Oversee KYC/KYB onboarding and transaction monitoring programmes.
• Supervise sanctions screening and DOS declarations with Tracfin.
• Engage with ACPR and Tracfin; report to senior management.
• Design AML/CFT training; embed controls into onboarding and processes.
• Collaborate with Risk & Compliance, COO, and product teams on AML controls.

Connaissances

AML/CFT compliance

MLRO experience

KYC/KYB processes

French AML framework

EU regulatory stack

DED/EDD monitoring

English proficiency

Description du poste

Money Laundering Reporting Officer (MLRO)

Hybrid · France-based · Full-time · 5–8 years experience

About Schuman Financial

Schuman Financial is building the infrastructure layer for European stablecoin-based finance — bringing euro-denominated payments, FX, and investment management on-chain. Our core product is EURØP, a euro stablecoin issued by Salvus SAS, a French-regulated Electronic Money Institution licensed by the ACPR. EURØP is custodied by major European banks and settles across major blockchain networks.

Few French regulated entities combine EMI and digital asset activities under a single AML/CFT programme — which makes this perimeter both technically demanding and genuinely rare. The MLRO operates with direct access to senior leadership and front-line exposure to the ACPR and Tracfin.

Role and responsibilities

This is a senior, strategically positioned role with full statutory accountability for the AML/CFT programme. As MLRO, you will own the AML/CFT framework end-to-end and operate with a high degree of visibility. Internally across leadership, and externally with the ACPR and Tracfin. You will work closely with the Head of Risk & Compliance, the COO, and the product teams, at a moment when our compliance perimeter is actively evolving.

What you will do

• Act as the designated MLRO under French law, with formal statutory responsibility for the AML/CFT programme across the group’s regulated entities.
• Own and continuously improve the AML/CFT risk classification framework.
• Oversee and evolve the KYC/KYB onboarding programme.
• Supervise transaction monitoring operations
• File declarations of suspicion (DOS) with Tracfin and manage the ongoing relationship with Tracfin.
• Manage the sanctions and PEP screening programme.
• Design and deliver AML/CFT training across the organisation, tailored to role-specific exposure.
• Produce periodic AML/CFT reports for the supervisory board and senior management, and contribute to ACPR reporting and inspection readiness.
• Engage directly with the ACPR on AML/CFT matters, including questionnaires, audits, and follow-up on supervisory findings.
• Work cross-functionally with the Head of Risk and Compliance, Internal Control, COO, and product teams to embed AML controls into onboarding flows and operational processes.

Your profile

• 5 to 8 years of experience in AML/CFT compliance within a regulated EU financial institution (EMI, payment institution, bank, or crypto-asset service provider).
• Prior experience as a named MLRO or Deputy MLRO, or equivalent accountable role within a regulated entity.
• Deep expertise in the French AML/CFT framework — direct experience with Tracfin declarations is required.
• Strong command of the EU AML/CFT regulatory stack: AMLD5/6, MiCA AML provisions, and the Transfer of Funds Regulation (TFR).
• Hands‑on experience designing or overseeing transaction monitoring and sanctions screening programmes, including threshold calibration and alert governance.
• Solid understanding of KYC/KYB processes for both retail and institutional clients, including EDD and ongoing monitoring.
• Experience in a digital assets or payment infrastructure context is a strong advantage.
• Full professional fluency in both French and English (written and spoken) — mandatory.
• Comfortable operating with autonomy in a fast‑paced environment where the frameworks are still being built.
• High attention to detail and a structured approach to complex, multi‑layered regulatory requirements.

What we offer

• CDI — France-based
• Remote‑first — up to one day on‑site per week
• Compensation aligned with your experience
• A senior, board‑visible role with real statutory accountability — not a support function
• Direct exposure to a strategical AML/CFT perimeters in French fintech: EMI and digital assets under a single framework

Working conditions

Location
France-based — remote‑first (up to one day on‑site per week)

Language
French (mandatory) · English (mandatory)

Start
As soon as possible

Environment
Scale‑up · MiCA / EMI · High regulatory intensity

Schuman Financial is an equal opportunity employer. We welcome applications from candidates across France.