Group Money Laundering Reporting Officer (MLRO)

About the role

We are seeking a Group Money Laundering Reporting Officer (MLRO) to lead AML/CFT and sanctions compliance across our Baltic operations. The role reports directly to the Group CEO and the Management Boards, providing independent oversight of financial crime controls.

Key responsibilities

• Own group‑wide AML/CFT and sanctions governance, including policies, procedures and internal controls.
• Coordinate and maintain risk assessments by country, product, channel, customer and third‑party.
• Set standards for customer due diligence (CDD) and enhanced due diligence (EDD), covering onboarding, beneficial ownership, source of funds and periodic review.
• Design and oversee the transaction monitoring framework for the entire group.
• Manage the policy for identifying, escalating and reporting suspicious activity to FIUs in Estonia, Latvia and Lithuania.
• Oversee sanctions screening, PEP and adverse media controls.
• Provide internal reporting to the Group CEO and Management Boards and external reporting to supervisors and FIUs.
• Act as an independent AML/CFT control function with authority to escalate material risks.
• Monitor compliance, coordinate with internal and external auditors, and handle supervisory inspections.
• Track regulatory developments, especially AMLR and AMLD6, and drive implementation.
• Build and deliver a group‑wide AML/CFT and sanctions training programme.

Required profile

• Master’s‑level degree in law, finance, economics, business administration or equivalent.
• Minimum 5 years of AML/CFT or financial crime compliance experience in a supervised financial institution or advisory practice.
• Hands‑on experience with risk assessment, CDD/EDD, transaction monitoring, sanctions and PEP screening, and FIU reporting.
• Direct experience with supervisory engagements such as inspections, information requests, audits and remediation.
• Strong knowledge of national and EU AML/CFT frameworks and fit‑and‑proper requirements for senior compliance functions.
• Prior experience as an MLRO or equivalent AML/CFT officer in one or more Baltic jurisdictions is strongly preferred.

Required skills

• Proficiency with generative AI tools such as Claude and ChatGPT to enhance compliance processes.