Deputy of MLRO - AML Department (m/f)

Opis posla

        Responsibilities:

AML Operational Oversight:
- Support MLRO in overseeing the AML/CFT framework
- Act as a substitute MLRO when required
- Review high-risk customers and EDD files
- Approve or escalate suspicious activity cases
- Ensure proper regulatory reporting to the Croatian Financial Services Supervisory Agency (HANFA), where applicable
- Monitor and assess the latest AML/CFT regulatory developments and guidance at the EU and Croatian level (including the AML package, EBA/ESAs guidance, FIU/HANFA communications)
- Monitor updates to applicable sanctions regimes and restrictive measures (EU/UN/OFAC/UK, as applicable), including sanctions list changes and related implementation requirements
- Perform ongoing analysis of emerging ML/TF typologies and financial crime trends (including crypto-related risks), and ensure timely updates to internal controls, monitoring rules, and procedures

Transaction Monitoring:
- Oversee daily monitoring alerts
- Ensure proper documentation of investigations
- Conduct case reviews and quality checks
- Identify typologies and emerging risks

Reporting:
- Prepare Suspicious Transaction Reports (STRs)
- Ensure timely submission to the FIU
- Maintain AML reporting logs

Risk Management:
- Participate in AML Risk Assessment
- Maintain the customer risk scoring methodology
- Review sanctions screening results

Internal Controls:
- Assist in AML policy updates
- Conduct AML internal reviews
- Support regulator inquiries

Uvjeti:
Education & Background:
- Degree in Law, Finance, Economics, or a related field
- 3-5 years of experience in AML/CFT, compliance, or financial crime prevention
- Experience in: Crypto exchange / fintech / EMI / bank (advantage)
- Practical experience in transaction monitoring & STR reporting

Regulatory Knowledge_
Strong understanding of:
- Croatian AML/CFT legislation (including the Act on the Prevention of Money Laundering and Terrorist Financing and related by-laws)
- EU AML Directives (AMLD5/AMLD6)
- EU Transfer of Funds Regulation (Travel Rule)
- Sanctions measures
- MICA (AML-related obligations for CASPs)
- Experience interacting with the FIU, Croatian Financial Services Supervisory Agency (HANFA), Croatian National Bank (if applicable), or other competent authorities (advantage)

Technical & Analytical Skills:
- Experience with AML monitoring tools
- Understanding of - Blockchain analytics tools (Chainalysis, TRM, Elliptic, etc.), - Risk-based customer classification
- Ability to conduct enhanced due diligence (EDD)
- Ability to draft internal AML procedures

Personal Qualities:
- High integrity and discretion
- Strong analytical mindset
- Ability to act independently
- Attention to detail
    

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