Group MLRO
Business banking and financial administration platform for self-employed people and small businesses.
About Holvi
Holvi Payment Services Oy is a Helsinki-based Finnish-authorised payment institution providing business payment accounts, payment cards, transfers, invoicing, bookkeeping tools and financial insights for entrepreneurs and SMEs across Europe.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You will lead AML, CTF, and sanctions oversight across Germany, Austria, and Finland. You will set strategy and roadmaps, evolve risk methodologies and controls, assess products, test core financial-crime processes, lead regulatory engagements, and provide clear reporting and advice to the Board and Risk Committee.
Requirements
- Several years of AML/CTF experience at a regulated financial institution, including MLRO or deputy MLRO experience
- Relevant certification such as CAMS or ICA
- In-depth knowledge of the EU AML framework
- Experience with supervisory exchanges, audits, regulatory reviews, and remediation
- Experience designing or evolving customer risk-scoring models, BWRAs, or similar methodologies
- Understanding of transaction monitoring, screening, and CDD tooling, including tuning and validation
- Ability to produce clear Board reporting and practical business guidance
- Fluent English and German
- Ability to lead through influence and align stakeholders
Responsibilities
- Shape the AML strategy and roadmap and guide regulatory-change readiness
- Evolve customer risk methodologies, policies, controls, tooling, and training
- Assess new products and changes across their lifecycle and link assessments to the BWRA
- Test transaction monitoring, screening, CDD, SAR/STR, freezing, and offboarding processes and resolve gaps
- Lead regulatory exchanges, audits, thematic reviews, and annual reporting
- Report data-led metrics to the Board and Risk Committee and advise on risk appetite and KRIs
- Steer country MLRO priorities and oversee partner, outsourcing, fraud, anti-bribery, corruption, and whistleblowing compliance
Benefits
- Employee stock options
- Flexible working hours and remote-working possibilities
- Monthly benefit budget
- Weekly exercise hour
- Bi-weekly breakfasts
- Bi-annual team weeks
Hiring Process
"We'd love to hear from you": send application, "we take time to review every candidate". "What to expect": process tailored per role, explained "at the very beginning"; compensation discussed early via salary models. "Come in and meet us": "hiring process always includes one face-to-face interview" to meet the team and see the office.
