Senior compliance / AML

About the Role

Own and evolve the AML/CFT framework in Belgium, ensuring full compliance with local law, EU directives, and NBB expectations. Lead end-to-end suspicious activity investigations and act as the nominated officer for CTIF-CFI reporting. Deliver and maintain the Overall Risk Assessment (ORA), covering customer, product, and corridor-level financial crime risks. Act as the primary point of contact for regulators and law enforcement, managing audits, inspections, and ongoing relationships. Design and monitor internal controls and KPIs/KRIs to ensure ongoing effectiveness of the compliance program. Provide strategic advisory to leadership on new products, market expansion, and risk appetite decisions.

Responsibilities

• Own and evolve the AML/CFT framework in Belgium, ensuring full compliance with local law, EU directives, and NBB expectations
• Lead end-to-end suspicious activity investigations and act as the nominated officer for CTIF-CFI reporting
• Deliver and maintain the Overall Risk Assessment (ORA), covering customer, product, and corridor-level financial crime risks
• Act as the primary point of contact for regulators and law enforcement, managing audits, inspections, and ongoing relationships
• Design and monitor internal controls and KPIs/KRIs to ensure ongoing effectiveness of the compliance program
• Provide strategic advisory to leadership on new products, market expansion, and risk appetite decisions

Required Skills

• Experience operating as MLRO or equivalent senior compliance role in a regulated environment
• 7+ years of AML/CFT experience within a Payment Institution or Electronic Money Institution
• Deep knowledge of Belgian AML regulations, NBB expectations, and EU AML directives
• Proven track record managing SAR/STR reporting and regulatory interactions
• Strong experience conducting complex financial crime investigations (e.g. layering, smurfing, cross-border schemes)
• Professional fluency in English and either French or Dutch
• Meets "Fit and Proper" requirements for senior compliance roles with the NBB

Preferred Skills

• Previous experience in a high-growth fintech or remittance business
• Experience working with transaction monitoring systems and regtech tools
• LLM or legal/compliance academic background