AML Compliance Officer – MLRO

This is a fully remote position, open to applicants in Senegal.

📋 Description

• Supervise the implementation of Group Compliance, AML/CFT/CPF, and KYC policies in Senegal.

• Develop, sustain, and revise compliance frameworks and internal policies for digital asset, fintech, and financial services regulations.

• Evaluate and monitor compliance risks associated with stablecoin transactions, blockchain operations, and digital payment systems in Senegal.

• Assist with CDD and EDD processes, including source-of-funds and UBO verification.

• Oversee STRs, SARs, and Déclarations d'Opérations Suspectes submitted to CENTIF.

• Investigate complex transactions, irregular blockchain activities, and potential indicators of money laundering.

• Engage with Senegalese regulatory bodies, law enforcement agencies, judicial institutions, and CENTIF.

• Manage responses to regulatory and law enforcement inquiries within stipulated timelines.

• Keep abreast of regulatory changes and industry best practices in Senegal and the WAEMU region.

• Carry out ongoing compliance and risk evaluations of operations, transaction monitoring systems, and digital asset procedures.

• Design, execute, and uphold transaction monitoring systems and controls.

• Represent Yellow Card in regulatory discussions, stakeholder meetings, and industry compliance initiatives.

• Create and conduct mandatory training on AML/CFT/CPF, KYC, and digital asset compliance.

• Prepare compliance documents, SARs, regulatory submissions, and compliance certifications.

• Provide weekly reports to the Senior AML Compliance Officer and compile quarterly regulatory reports as necessary.

• Perform periodic compliance audits, control testing, and audit reporting.

• Execute additional compliance, risk management, and regulatory assignments as directed by the Senior AML Compliance Officer.

⛳️ Requirements

• Bachelor’s degree in Law, Finance, Accounting, Business Management, or a related discipline (Licence en Droit, BComm, or equivalent).

• Professional certification in AML/CFT is required: ACAMS, ICA, or a similar recognized AML qualification.

• Blockchain Certification (Chainalysis Reactor and KYT) is preferred.

• At least 4 years of experience in a compliance, AML, or risk management position within a regulated financial institution, fintech organization, or digital asset platform.

• Proven experience with AML/CFT compliance, transaction monitoring, KYC processes, and handling SAR/STR.

• Previous exposure to stablecoin, digital asset, or fintech compliance is highly beneficial.

• Experience collaborating with regulatory authorities in Senegal, such as CENTIF, BCEAO, and the WAEMU Banking Commission, is essential.

• Knowledge of transaction monitoring software, AML/CFT tools, and compliance case management systems.

• Experience serving as an MLRO or a similar regulatory reporting officer is preferred.

• Proficiency in both French and English is required.

• Outstanding written and verbal communication skills.

• Proficient in MS Office Suite (Word, Excel, PowerPoint).

• Familiarity with AML/compliance software platforms.

• Developing knowledge of AI tools to boost productivity.

• Strong analytical and critical thinking capabilities.

• High attention to detail and the ability to juggle multiple compliance priorities and stringent regulatory deadlines.

• Capacity to work under pressure and handle complex, sensitive regulatory issues with discretion.

• Exceptional integrity, honesty, and a strong ethical foundation.

• Ability to maintain independence regarding regulatory issues.

• Collaborative mindset and the ability to work across departments and engage with senior management and regulatory officials.

• Knowledge of blockchain technology, stablecoin operations, and digital asset settlement processes is highly valued.

• Must reside in Senegal.

🏝️ Benefits

• Competitive salary.

• Comprehensive health coverage.

• Stock option plan available for all full-time employees.

• Access to learning and development resources, along with the support and autonomy to advance professionally.

• Fully remote work environment with remote-first flexibility.

• Mental health support services.

• Multicultural and collaborative global team atmosphere.

• Opportunity to make a significant impact on global FinTech and stablecoin accessibility.