US Money Laundering Reporting Officer (MLRO)

Asset Reality; United States; On-site; USD 90,000 - 150,000; Part time

Job summary

Asset Reality Limited is seeking an experienced Money Laundering Reporting Officer (MLRO) to lead the US compliance function. This senior role will be the primary point of accountability for all AFC obligations in the United States, owning the end-to-end BSA/AML programme and serving as the main contact for regulators.

You will manage regulatory filings, liaise with FinCEN, OFAC, IRS and state regulators, and drive continuous improvement of the AFC controls in a fast-paced fintech environment.

Qualifications

• 5+ years in a compliance or regulatory managerial role in fintech, financial institution, or regulator.
• Demonstrated experience managing regulatory examinations and independent audits.
• Strong working knowledge of US crypto regulatory environment: BSA, FinCEN, OFAC, Travel Rule.
• CAMS, ICA, or equivalent recognised compliance certification required.

Responsibilities

• Own regulatory filings and reporting obligations (SARs/CTRs) and BSA-mandated reports to FinCEN.
• Serve as primary liaison to US regulators (FinCEN, OFAC, IRS, state regulators).
• Implement and continuously improve BSA/AML and sanctions compliance programme.
• Lead independent audits/regulatory examinations and coordinate internal stakeholders.
• Provide compliance guidance to senior leadership and the Board.

Skills

Regulatory compliance

AML/FinCEN knowledge

Crypto asset regulation

Stakeholder communication

Audits & exams

Regulatory liaison

Education

Bachelor's degree or equivalent

Tools

CAMS

ICA

Job description

Location: East Coast US / Eastern Time Zone Preferred
Schedule: Part-Time

About The Role

We are looking for an experienced Money Laundering Reporting Officer (MLRO) to lead our US compliance function. This is a senior role in which you will serve as the primary point of accountability for all anti-financial crime (AFC) obligations in the United States, acting as the principal contact for regulators and owning the end-to-end BSA/AML programme. You will bring deep expertise in crypto-asset regulation, a proven ability to build and maintain regulator relationships, and the operational rigour to manage audits, examinations, and cross-functional compliance initiatives in a fast-moving fintech environment.

What You'll Do

Regulatory Oversight & Reporting

• Own all regulatory filings and reporting obligations, including SARs, CTRs, and other BSA-mandated reports submitted to FinCEN.
• Serve as the primary liaison to US regulators and agencies including FinCEN, OFAC, the IRS, and relevant state financial services regulators.
• Monitor and interpret developments in the US regulatory landscape, particularly BSA, FinCEN guidance, OFAC sanctions rules, and Travel Rule requirements and translate these into actionable compliance updates.

Programme Management

• Implement, and continuously improve the firm's BSA/AML and sanctions compliance programme, policies, and procedures.
• Lead the management of independent audits and regulatory examinations, coordinating internal stakeholders and ensuring timely, accurate responses.
• Support government and regulatory requests relating to assets held by the company, acting as the authoritative internal point of contact.

Cross-Functional Leadership

• Partner with Legal, Product, Operations, and Technology teams to embed compliance requirements into business processes and new product development.
• Provide clear, practical, and commercially-aware compliance guidance to senior leadership and the Board.
• Identify gaps and drive improvements in the firm's AFC controls, escalating material risks appropriately.

What We're Looking For

Experience & Qualifications

• US citizen or US person with the right to hold a regulated compliance role.
• Bachelor's degree or equivalent professional experience.
• 5+ years in a compliance or regulatory managerial role at a fintech, financial institution, or regulatory body, including 3+ years with direct oversight of regulatory filings.
• Demonstrated experience managing regulatory examinations and independent audits.
• Strong working knowledge of the US regulatory environment as it applies to crypto assets, including BSA, FinCEN regulations, OFAC sanctions, and the Travel Rule.
• Prior hands-on experience in the crypto or digital asset industry is essential.
• CAMS, ICA, or equivalent recognised compliance certification required.

Skills & Attributes

• Subject matter expertise across AML, sanctions, fraud, and anti-bribery and corruption (ABC) frameworks.
• Commercially astute - able to balance regulatory rigour with business pragmatism and translate complex obligations into workable solutions.
• Confident communicator with the ability to influence senior stakeholders, present to leadership and build trusted relationships with regulators.
• Highly organised self-starter who takes ownership of projects from inception to completion and thrives in a fast-paced, high-growth environment.
• Ability to manage competing priorities across multiple regulatory domains and jurisdictions.
• Excellent written and spoken English.

Must-Haves

• Prior experience working within the crypto / digital asset industry.
• Active CAMS, ICA, or equivalent compliance certification.
• In-depth knowledge of the BSA Travel Rule and its operational requirements.
• US citizenship or eligibility to act as a regulated MLRO in the United States.

Privacy Notice

Asset Reality will process the personal information you provide as part of your application, including your CV, contact details, employment history, qualifications, and recruitment-related communications, for the purposes of assessing your suitability for employment, managing the recruitment process, and meeting legal obligations. We retain recruitment records for up to 12 months following completion of the recruitment process unless a different retention period is required by law. By submitting an application, you acknowledge that you have read and understood our Candidate Privacy Notice.