MLRO (m/w/d)
Key Responsibilities
- Ensure implementation and ongoing compliance with German and European AML/CTF regulations, including relevant banking and payment services laws.
- Develop, maintain, and continuously enhance internal AML/CTF policies, procedures, and control mechanisms.
- Prepare and regularly update the institution-specific AML risk assessment.
- Oversee the adequacy and effectiveness of internal control systems related to financial crime prevention.
- Monitor transactions and conduct investigations into suspicious activity.
- Perform regular reviews to ensure adherence to internal policies and regulatory expectations.
- Report directly to senior management on AML/CTF matters.
- Provide timely updates on significant incidents and the overall risk exposure of the institution.
- Produce formal AML activity reports, including documentation of measures taken.
- Liaise with regulatory bodies, financial intelligence units, and law enforcement authorities.
- Review, submit, and follow up on suspicious activity reports.
- Ensure clear reporting lines and defined points of contact for regulatory and external inquiries.
- Deliver AML/CTF training sessions and keep employees informed about emerging financial crime risks and typologies.
- Oversee employee reliability and integrity assessments in line with regulatory requirements.
Candidate Profile
- Minimum of 6 years' professional experience in AML, financial crime prevention, or fraud within a banking environment.
- In-depth knowledge of relevant legal and regulatory frameworks.
- Strong analytical skills with high attention to detail.
- Excellent communication skills with the confidence to challenge and influence senior stakeholders.
- Fluency in German and English (written and spoken).
- Degree in economics, law, or a related field, or an equivalent professional qualification.
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