AML/CTF Compliance Officer

Job description

**About us** Traditional banking has never really given you control over your financial life. Satispay exists to change that: to **empower people through finance**. That means making financial services easy and accessible for over 6.5M users. We started with payments, then benefits, investing, cards... and we’re not done. Not even close. We follow the same logic every time: find a real problem, solve it properly, then look for the next one. The destination? To build the most loved financial platform in the world. If you own outcomes rather than tasks, stay close to what users need, and refuse to wait for someone else to fix what's broken — you'll find people here who work exactly in the same way. And together, you'll build something worth being proud of. **What you'll be doing** As our AML/CTF Compliance Officer, you'll support collaborations across teams to guide the safe innovation and introduction of new products while upholding regulatory integrity. Here's what that looks like in practice: - **Identify and assess risks –** Detect money laundering and terrorist financing risks, highlight weaknesses, and issue recommendations, taking a leading role in assessing risks specific to card issuing networks, investment platforms, and digital assets. - **Product compliance –** Partner closely with the Product team to support new launches and ensure continuous AML/CTF compliance of existing features. - **Provide second-line oversight –** Oversee first-line transaction monitoring and name screening operations, acting as the ultimate escalation point and conducting deep-dive investigations into high-risk customer relationships. - **Report suspicious activities –** Review suspicious activity and transaction reports to submit to competent authorities. - **Ensure regulatory compliance –** Collaborate with first-line teams to ensure Customer Due Diligence requirements comply with Luxembourg’s legal and regulatory framework. - **Develop and refine policies –** Assist in drafting and reviewing AML/CTF policies, procedures, and guidelines across all product lines. - **Enhance training and awareness –** Contribute to AML/CTF training programs to educate the organization on unique ML/TF risks. **Who we're looking for** This role needs someone proactive and analytical, capable of solving complex compliance challenges and balancing rapid innovation with prudent risk management. - **AML/CTF expertise –** 3+ years in AML/CTF Compliance, ideally in a Fintech, with specialised knowledge of ML/TF risks in payments, trading platforms, digital assets, and card networks. - **Regulatory knowledge –** Strong understanding of Luxembourg and EU AML/CTF regulations regarding Customer Due Diligence. - **QA & monitoring –** Hands-on experience conducting compliance quality assurance and monitoring activities. - **Task management –** Ability to thrive in fast-paced environments, managing multiple high-priority tasks with high accuracy under tight deadlines. - **Problem-solving and communication –** Skilled at engaging with stakeholders across various business units to navigate AML/CTF compliance challenges. - **Mindset & soft skills –** Curious and communicative, with a strong understanding of risk assessment methodologies. Don't worry if you don't tick every box. We believe in the power of different viewpoints and strengths. Your unique perspective is important as we build something special: if you're passionate and can make a difference, we truly encourage you to apply. **CareAbout: how we support your impact** We move fast, and evolution never stops. It’s a fun ride, but it can be challenging. To make sure our people truly thrive, we’re committed to making their lives easier, both in the office and out in the world. That’s why we created CareAbout: - ❤️ **Health:** private insurance for you and your family, psychological support with Serenis, mental health workshops. - 💰 **Financial resources:** Stock Option Plan, meal vouchers, relocation support if you’re moving countries. - ⚙️ **Growth and development:** professional development programs, internal mobility, language courses with Preply. - 🌱 **Flexibility:** unlimited PTO, hybrid working policy\*, flexible working hours. - 👨‍👩‍👧 **Family:** enhanced parental leave, additional leave for child sickness. *\*We embrace three days per week in-office (Tuesday and Thursday + 1 of your choice), with the option to request extra remote time.* **Equal opportunity employer** At Satispay, we're proud to be an equal opportunity employer. We celebrate diversity and inclusion, welcoming individuals of all backgrounds. This opportunity is open to everyone, regardless - for instance - of race, colour, religion, sex, gender identity, sexual orientation, and national origin. Join us in a workplace where everyone belongs! **Learn more about us** Curious what it's actually like here? Our values and pillars shape how we work every day: [**explore them here**](https://www.satispay.com/en-it/work-at-satispay/). #LI-HYBRID #LI-VR1 *By submitting this application, I acknowledge that I have read and understood the content of the* [*Privacy Policy*](https://www.satispay.com/en-it/legal-hub/privacy-policy/candidates/)