Collaborate with the Chief Compliance Officer/MLRO on regulatory and compliance matters, offering insights for improvement.
Report directly to the Chief Compliance Officer/MLRO, preparing comprehensive documentation for customer reviews and ensuring accuracy for MLRO approval.
Partner with Operations, Risk, Product and Sales teams to embed AML/CFT requirements into day-to-day business activities. This includes managing escalations from the first line of defense and sales teams.
Translate regulatory requirements, CSSF expectations and internal policies into clear and effective operational processes and controls.
Review transaction alerts/patterns, sanctions, PEP and name-screening alerts, ensuring timely and well-reasoned escalations. Conduct CDD and EDD reviews for high-risk customers, complex ownership structures and other higher-risk scenarios.
Lead AML/CFT investigations, including transaction analysis, source of funds reviews, adverse media assessments and the identification of suspicious activity.
Prepare and submit Suspicious Activity Reports (SARs) for review and approval, and assist in developing regulatory reports.
Build, execute and enhance second line of defense controls, monitoring activities and quality assurance reviews, including comprehensive risk assessments of clients to identify money laundering and terrorist financing risks.
Identify control weaknesses, investigate root causes and drive practical remediation actions.
Improve onboarding, screening, monitoring and customer review workflows, balancing regulatory compliance with operational efficiency.
Support compliance projects, regulatory change initiatives and automation efforts aimed at strengthening the financial crime framework.
Support audits, regulatory inspections and compliance AML/CFT testing activities.
Help develop and implement AML/CFT policies and procedures in line with regulatory changes.
Provide training and advise stakeholders on AML/CFT related matters, and provide practical guidance on managing compliance risks, all with the aim of enhancingthe compliance culture within the organization
5 years of experience in AML/CFT Compliance, Financial Crime Compliance, Compliance Monitoring, Investigations or a similar role within a regulated financial institution.
A solid understanding of the regulatory environment of Luxembourg, particularly related to AML/CFT regulatory requirements and expectations applicable to Payment Service Providers (PSPs) and relevant compliance frameworks.
Proven experience conducting AML investigations and preparing Suspicious Activity Reports (SARs/STRs).
Demonstrated experience performing Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), sanctions screening and transaction monitoring activities.
Experience designing, executing or assessing compliance controls, monitoring programs and testing activities.
Ability to translate regulatory requirements into practical operational procedures and controls.
Strong analytical and investigative mindset with the ability to assess complex situations and exercise sound judgment, and with a detail-oriented approach to problem-solving.
Effective communication and stakeholder management skills and collaborative mindset, with the ability to work effectively across multiple and contribute to a team-oriented environment functions.
Ability to prioritize workload, manage multiple initiatives and operate independently.
Good knowledge of global financial regulations, along with a proactive attitude to learn and expand this knowledge.
Prior experience with financial crime controls in the payments, fintech or e-commerce sector.
Experience supporting regulatory inspections, audits or remediation programs.
Familiarity with sanctions compliance frameworks and fraud risk management.
Experience participating in system implementations, workflow redesign or process automation projects.
Professional certifications such as CAMS, ICA, CFE or equivalent.
Knowledge of additional European regulatory frameworks relevant to payment services.
Fluency in English; knowledge of German, French or other European languages is considered an asset.Please note that we will not sponsor your visa or relocation, and you must have a valid work permit to be eligible for this position.
Please note that we will not sponsor your visa or relocation, and you must have a valid work permit to be eligible for this position.
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