Sweden
EuropeMoney Laundering Reporting Officer, AML
1 мес. назад
836.4k–1131.6k USD / yearSwedenEuropeSeniorRemote
amlcompliancereportingrisk management
Lead AML/CTF program and compliance oversight for 's Swedish-regulated Payment Institution, including reporting suspicious activities.
Обязанности
- is seeking an experienced Money Laundering Reporting Officer (MLRO) for Billhop AB, our Swedish-regulated Payment Institution. Under Swedish law, this role is legally defined as Centralt funktionsansvarig (CF) — the independent function holder responsible for day-to-day AML oversight and for reporting suspicious activity directly to Finanspolisen (the Swedish Financial Intelligence Unit). This is a standalone, high-accountability compliance leadership role: you will own Billhop AB's AML/CTF program and Compliance oversight, act as the primary point of contact for Finansinspektionen (FI), and serve as the gatekeeper protecting 's Swedish entity from financial crime.
- Serve as Billhop AB's MLRO / Centralt funktionsansvarig, with independent authority over AML/CTF program design, execution, and effectiveness
- Act as primary regulatory contact with Finansinspektionen, managing supervisory correspondence, periodic reporting, and support licensing efforts
- Evaluate and file Suspicious TransactionReports (STRs)
- Provide final sign-off on high-risk onboarding, transaction monitoring escalations, and sanctions alerts
- Partner closely with Billhop AB's management team including the Specially appointed executive to ensure seamless alignment between executive oversight and day-to-day AML operations
- Own and deliver the annual AML/CTF training program for local board members, management, and relevant operational teams handling Swedish accounts
- Manage the entity's internal reporting channels for potential AML/CTF infractions
- Maintain and evolve the AML/CTF risk assessment, policies, and procedures, including NPAP review for new products
- Prepare and present the MLRO report to the Billhop AB board and leadership
- Partner with 's broader Compliance, Legal, and Engineering teams (US/UK) on cross-border projects
Будет плюсом
- Experience with license applications/upgrades
- Prior cross-border/group compliance structure experience
Условия
- Flexible PTO
- Centralized home-office equipment ordering
- Health and wellness stipend
- Budget for intra-office travel
- Weekly coffee stipend
Другое
- is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $200B in annualized spend flows in and out of 70,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books.
- The problems are high-stakes, data-dense, and unforgiving.
- We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At , everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome.
- The median customer saves 5% and grows revenue 16% in their first year – far in excess of businesses operating without . We believe every ambitious company deserves the same.
- If you want to build systems that directly shape how companies move and manage billions, is the place to do it.
- 8+ years of financial services experience in compliance, AML, or related regulatory advisory roles, preferably in fintech
- Native or fluent Swedish and fluent English, written and verbal (non-negotiable)
- AI Fluency and demonstrated experience leveraging AI to build and scale AML programs
- Deep working knowledge of the FI's supervisory expectations
- Significant senior-level AML advisory or deputy compliance experience at a Swedish-regulated entity
- Direct experience interfacing with regulators and bank partners
- Comfort operating as a standalone compliance lead with independent judgment on filing/escalation decisions
- Fintech or payments domain experience (card issuing, corporate expense, high-velocity digital transaction monitoring) strongly preferred over traditional retail-branch compliance background
- 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents
- One Medical annual membership
- 401(k), including employer match on contributions made while employed by
- Fertility HRA (up to $10,000 per year)
- Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay
- Pet insurance
- In-office perks: lunch, snacks, drinks, and more
- Relocation support to NYC or SF (as needed)
- Group medical, dental, and vision coverage through Sun Life
- Life, AD&D, and disability coverage
- Fertility drug coverage (up to $4,000 lifetime)
- Group Retirement Plan with employer match (RRSP + DPSP)
- Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay
- Employee Assistance Program and virtual care through Lumino Health
- Private medical insurance through Freedom Elite
- Virtual GP and at-home care via eMed x Livi
- Workplace pension through Penfold, with salary sacrifice option
- Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay
- If you are being referred for the role, please contact that person to apply on your behalf.
- Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
- Beware of recruiting scams: will only contact you through official @ .com email addresses and will never ask for payment or sensitive personal information during the hiring process.
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