The MLRO will be responsible for SmartSend’s AML/CTF compliance efforts. This role ensures the implementation of robust anti-money laundering policies, oversees transaction monitoring, facilitates regulatory reporting, and fosters a strong compliance culture. The MLRO serves as the primary liaison to regulators and law enforcement and provides strategic guidance on regulatory risk management and policy enhancements.
Key Responsibilities
* Implement, and maintain AML/CTF policies, procedures, and internal controls in compliance with the Bank Secrecy Act (BSA), USA PATRIOT Act, and FinCEN regulations
* Oversee a risk-based approach to AML compliance, including customer due diligence (CDD/EDD), transaction monitoring, and periodic AML risk assessments
* Manage the investigation and escalation of Suspicious Activity Reports (SARs) to FinCEN within regulatory timeframes.
* Serve as the point of contact for all AML/CTF regulatory authorities and law enforcement.
* Provide regular reports to senior leadership on AML metrics (e.g., SAR volume, risk assessment results)
* Coordinate internal and external AML audits, ensuring effective remediation of identified gaps.
* Monitor changes in AML regulations and industry standards (e.g., FinCEN guidance), adapting policies accordingly.
* Review and enhance AML compliance systems, including sanctions screening and customer onboarding tools.
* Collaborate cross-functionally with Legal, Risk, Operations, and IT to integrate AML considerations into business initiatives and new products
* Promote a culture of compliance through strong governance and clear escalation protocols.
Qualifications & Requirements:
* **Education:** Bachelor’s degree (Finance, Accounting, Business Administration, or related). AML certifications will be an additional advantage.
* **Experience:**
* 2 years in AML/CTF compliance roles within U.S. financial institutions or comparable experience in FinTech.
* Direct experience filing SARs and managing AML investigations
* Experience AML programs and setting risk-based strategies.
* Strong analytical and investigative capabilities.
* Solid knowledge of KYC/CDD/ECDD, sanctions screening methodologies.
* Excellent written/oral communication and presentation skills.
* Proficiency with AML software and monitoring tools.
· Applicants for this job should be resident in United State of America (USA)
**How to Apply:**
Please submit your CV and a cover letter detailing your AML/CTF experience and suitability for the MLRO role to **careers@smartsendfinance.com** with the subject line "MLRO Application"
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