Compliance Manager / AML Officer (BaaS/IaaS)

Pracovní nabídka

The Compliance Manager / AML Officer is responsible for managing regulatory and AML/CFT risks across the organization. This position plays a critical role in safeguarding the business by developing and maintaining a scalable, tech-driven compliance framework, promoting a strong compliance culture, and overseeing the execution of anti-financial crime measures.

In particular, the role includes responsibilities specific to our Issuer as a Service (IaaS) and Banking as a Service (BaaS) solutions. You will act as a key compliance partner to our clients, ensuring thorough due diligence, setting and tuning AML/CFT protocols, and conducting technology-led audits of client operations to enable their success while protecting our ecosystem.

Key Responsibilities

Regulatory Compliance & Strategy

• Lead the Compliance function and maintain a robust, scalable compliance framework across the organization.
• Set high-level compliance policies and standards; ensure alignment with evolving regulatory requirements in the payments and e-money landscape.
• Monitor and analyze regulatory developments, providing strategic guidance and actionable insights to the Executive Team.
• Develop, implement, and maintain the firm’s risk appetite framework for its BaaS/IaaS activities, ensuring it is clearly communicated and adhered to.
• Conduct enterprise-wide and client-specific AML/CFT risk assessments on an ongoing basis to identify and mitigate new and emerging risks.
• Represent the Compliance function with internal and external stakeholders, including legal, audit, IT Security, and regulators.
• Act as the named person with Compliance responsibility for the regulator and participate in GP-wide compliance governance.
• AML/CFT Program Management

Act as Money Laundering Reporting Officer (MLRO); ensure AML compliance under EU directives and local regulatory guidance.

• Develop, implement, and maintain forward-looking AML/CFT policies and procedures tailored to a BaaS/IaaS environment.
• Oversee the configuration, tuning, and optimization of the company's AML/CFT transaction monitoring and customer screening systems to ensure effectiveness and efficiency.
• Monitor transactions and investigate complex suspicious activities, leveraging data analytics to identify trends and patterns; file SARs as required.
• Maintain oversight of Anti-Bribery and Corruption programs and other financial crime controls.
• BaaS/IaaS Compliance Oversight & Partnership

Act as a primary compliance point of contact for BaaS/IaaS clients, providing expert guidance and support on regulatory and AML/CFT matters to foster strong partnerships.

• Evaluate client due diligence for the IaaS/BaaS platform and analyze money flows between clients and end-users from a nuanced AML/CFT risk perspective.
• Define and enforce appropriate KYC/KYB procedures and risk-based transaction monitoring rules for a diverse client portfolio.
• Develop and manage a robust third-party risk management (TPRM) framework for the ongoing monitoring of client and partner compliance.
• Conduct onboarding audits and periodic reviews of client processes, systems, and compliance controls if needed.

Internal Collaboration & Product Enablement

• Collaborate with Product and Engineering teams to embed "compliance-by-design" principles into the development of new products and services.
• Serve as a key compliance advisor on new product and service initiatives, providing expert guidance from conception to launch to enable innovation while managing risk.
• Collaborate with operational, technical, and commercial teams to ensure compliance is seamlessly integrated into business processes.
• Provide sign-off for marketing materials, public communication, and websites in line with regulatory expectations.
• Maintain appropriate oversight of outsourced parties and partners; ensure audit readiness and documentation.

Training & Reporting

• Design and deliver an effective, engaging compliance and AML training program for employees and partners.
• Produce annual reports (e.g., AML reports) and data-driven management information on key compliance risks, control effectiveness, and emerging trends.
• Support crisis management and remediation planning in case of regulatory breaches.

Required Knowledge and Skills

• In-depth knowledge of AML/CFT legislation (e.g., EU AML Directives), compliance standards, and card-acquiring/e-money regulations.
• A deep understanding of the BaaS/IaaS business model and the associated regulatory risks.
• Proficiency with AML/CFT and compliance software (e.g., transaction monitoring, screening, and case management tools).
• Strong data analysis skills with the ability to interpret complex datasets to identify emerging risks and patterns.
• Excellent written and verbal communication in both English.
• Strategic and analytical mindset; ability to make risk-informed decisions that balance compliance with business objectives.
• Proven leadership skills, including the ability to motivate, develop, and manage teams.
• High personal integrity and professionalism.

Experience and Education

• Proven experience in an AML/Compliance role within a regulated financial services, payments institution, or FinTech company.
• Experience working with regulatory authorities and acting as a registered compliance officer or MLRO is essential.
• Experience in a client-facing or compliance advisory role is highly desirable.
• Demonstrable experience in leveraging technology and data analytics to manage compliance risks in a scalable environment.
• University degree in law, finance, economics, business administration, or a related field.

Physical Requirements

Full-time role; occasional travel may be required.

What we prepared for you:

A wide range of corporate benefits:

• annual bonus
• 5 weeks of holiday
• 5 additional days off, meal tickets - fully paid by the employer (123,-CZK/per worked day)
• Benefit Plus package in the amount of CZK 18,000 per year / possibility to use for health, relaxation, education or vacation /
• pension insurance contribution /2,500 CZK monthly/
• home office and flexible working time
• Soulmio – a mental health care programme
• uLékaře – a health care support)