Money Laundering Reporting Officer, AML

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

📋 Description

• Act as Billhop AB's MLRO / Central function responsible, holding independent authority over the design, execution, and effectiveness of the AML/CTF program.

• Serve as the main regulatory liaison with Finansinspektionen, overseeing supervisory communications, regular reporting, and assisting with licensing initiatives.

• Assess and submit Suspicious Transaction Reports (STRs).

• Provide final approval on high-risk onboarding, transaction monitoring escalations, and sanctions alerts.

• Collaborate closely with Billhop AB's management team, including the specially appointed executive, to ensure effective alignment between executive oversight and daily AML operations.

• Lead and implement the annual AML/CTF training program for local board members, management, and relevant teams managing Swedish accounts.

• Oversee the organization’s internal reporting systems for possible AML/CTF violations.

• Update and enhance the AML/CTF risk assessment, policies, and procedures, including NPAP review for new products.

• Prepare and deliver the MLRO report to the Billhop AB board and leadership.

• Collaborate with Ramp's broader Compliance, Legal, and Engineering teams (US/UK) on international projects.

⛳️ Requirements

• A minimum of 8 years in financial services focusing on compliance, AML, or related regulatory advisory roles, ideally within fintech.

• Proficient in Swedish and fluent in English, both written and spoken (mandatory).

• Strong understanding of AI and proven experience utilizing AI to develop and enhance AML programs.

• Extensive knowledge of the Financial Inspectorate's supervisory expectations.

• Significant senior-level AML advisory or deputy compliance experience within a Swedish-regulated organization.

• Direct experience engaging with regulators and banking partners.

• Ability to function independently as a compliance lead, exercising sound judgment on filing and escalation decisions.

• Experience in the fintech or payments sector (such as card issuing, corporate expenses, and high-speed digital transaction monitoring) is highly preferred over traditional retail branch compliance backgrounds.

🏝️ Benefits

• Flexible PTO.

• Centralized home-office equipment ordering.

• Health and wellness stipend.

• Budget for intra-office travel.

• Weekly coffee stipend.

• Comprehensive medical, dental, and vision insurance coverage for you, with partial coverage for dependents.

• Annual membership with One Medical.

• 401(k) plan with employer matching on contributions during employment with Ramp.

• Fertility HRA of up to $10,000 per year.

• Parental leave policy offering up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at full pay.

• Pet insurance.

• In-office amenities including lunch, snacks, drinks, and more.

• Group medical, dental, and vision coverage provided through Sun Life.

• Life, AD&D, and disability insurance coverage.

• Coverage for fertility medications (up to $4,000 lifetime).

• Group Retirement Plan with employer matching (RRSP + DPSP).

• Employee Assistance Program and access to virtual care through Lumino Health.

• Private medical insurance through Freedom Elite.

• Virtual GP and at-home care services via eMed x Livi.

• Workplace pension through Penfold, offering a salary sacrifice option.