EU AML Lead

Skills

About the Role

You will take full ownership of the EU anti-money laundering program, designing, implementing, and continuously improving AML policies and controls. You will act as the appointed AMLRO in Spain, engage with regulators and auditors, review high-risk escalations, supervise complex client onboardings, file SARs, and embed AML controls into product and operations.

Requirements

• 6+ years of experience in AML, compliance, internal controls, risk management, or audit
• Proven expertise in KYC, KYB, sanctions screening, SAR preparation, and fraud detection
• Familiarity with MiCA, VASP regulation, GDPR, DORA, SOC2, and ISO frameworks
• Experience with global AML frameworks such as the EU Fifth Directive, US Bank Secrecy Act, and FATF Recommendations
• Experience with on-chain analysis tools (Elliptic, Chainalysis, Persona, Notabene) is highly desirable
• Relevant certifications (e.g., CAMS, CISA, CIA) are a plus
• Excellent analytical, communication, and stakeholder management skills
• Ability to lead strategy and work hands-on under pressure

Responsibilities

• Design and implement an EU AML framework aligned with EU directives, MiCA, and local regulations
• Act as primary AML point of contact for regulators, auditors, and banking partners
• Serve as AMLRO with SEPBLAC and lead regulatory filings and supervisory interactions
• Review escalations involving high-risk users, transactions, or counterparties
• Supervise onboarding of large, strategic, or complex enterprise clients
• Lead enhanced due diligence cases and determine risk outcomes
• File suspicious activity reports and manage special investigations
• Design and monitor AML-related internal controls and ensure alignment with SOC2, ISO, and DORA
• Collaborate with Product, Risk, Finance, Security, and Engineering to embed AML controls into workflows and APIs
• Train teams on AML responsibilities and promote AML risk awareness

Benefits

• Unlimited paid time off
• Company laptop
• Two performance reviews annually
• Annual home office and productivity stipend
• Daily stipend for in-office meals and/or commuting
• Three company-paid off-sites per year
• Health and dental insurance fully covered
• Flexible retribution with tax benefits through Cobee