Key Responsibilities
1. Design, implement and maintain the Company’s overall risk management and compliance framework, including AML/CFT, in accordance with Ley 10/2010, de prevención del blanqueo de capitales y de la financiación del terrorismo, and its implementing regulations.
2. Act as the Company’s Money Laundering Reporting Officer (MLRO) and Órgano de Control Interno (OCI), serving as the Company’s representative before SEPBLAC and responsible for the review, investigation and filing of suspicious activity reports.
3. Develop and maintain the Company’s Business-Wide Risk Assessment, CDD/EDD procedures, sanctions and PEP screening programme, and ongoing transaction monitoring framework.
4. Oversee the identification, assessment, monitoring and mitigation of the Company’s operational, conduct, and financial crime risks.
5. Prepare and present the annual MLRO/OCI report, the Compliance Monitoring Programme, and periodic risk reports to the Board and senior management.
6. Ensure timely and accurate regulatory reporting to the Banco de España and SEPBLAC, and act as the primary point of contact for regulatory inspections and information requests.
7. Coordinate and deliver mandatory AML/CFT and regulatory compliance training to all staff, directors and officers.
8. Maintain and update the Company’s compliance policies and procedures manual in line with evolving Spanish and EU regulation (Ley 10/2010, AMLD/AMLR, PSD2/PSD3, EBA guidelines).
9. Support the Risk Committee and the Board in maintaining an effective internal control framework and three-lines-of-defence model.
Qualifications & Experience
1. Bachelor’s or Master’s degree in Law, Finance, Economics, or a related field.
2. Minimum 5 years of relevant experience in AML/CFT, risk management or regulatory compliance within a financial institution, electronic money institution, or payment institution, preferably in Spain.
3. Strong knowledge of Ley 10/2010, Banco de España regulations, SEPBLAC guidance, and the EU AML/CFT framework.
4. Professional certification (e.g. CAMS, ICA Diploma in AML) is a plus.
5. Meets the honourability, knowledge and experience (“idoneidad”) requirements to be registered as MLRO / “Alto Cargo” with the Banco de España.
6. Fluency in Spanish and English, Mandarin Chinese is a plus.
Job Type: Full-time
Pay: From 60,000.00€ per year
Work Location: In person
