Team Lead of MLROs, MLRO & Head of Branch, Portugal

13 hours, 38 minutes ago
Freelance
Executive
Legal
Finom

Finom

Finom provides an online payment solution that enables entrepreneurs to easily open business accounts and efficiently manage their finances, offering features such as international payments, cashback rewards, and personal assistance to enhance financia...

Professional Services
11-50
Founded 2019
$20M raised

Description

  • Represent Finom before the Bank of Portugal and other Portuguese authorities on AML and branch matters.
  • Build and maintain the Portuguese AML framework by aligning group policies with Portuguese law and implementing local processes.
  • Own Portuguese CDD and transaction-monitoring policies, procedures, and escalation guidance.
  • Define and implement SAR, integrity, and non-integrity regulatory reporting requirements with the Regulatory Reporting function.
  • Provide Portugal-specific financial-crime insights to develop rules, scenarios, and controls for the FinCrime Risk Engine.
  • Make second-line decisions on complex, high-risk cases escalated by the first line.
  • Contribute to enterprise-wide risk assessments, product risk approvals, AML training, and compliance manuals.
  • Lead, coach, and develop MLROs and Deputy MLROs across EU branches.
  • Establish shared MLRO playbooks, templates, escalation criteria, SAR decision standards, and regulator communication practices.
  • Coordinate regulatory inspections, authority requests, remediation actions, MLRO KRIs, and reporting to the Management Board Risk Committee.

Requirements

  • Right to work in Portugal and native-level Portuguese language proficiency.
  • At least 4 years of second-line-of-defence experience at a regulated payment, e-money, or banking institution.
  • At least 2 years of experience as an MLRO or Deputy MLRO for Portuguese branches.
  • At least 2 years of people-management experience.
  • Excellent knowledge of Portuguese AML legislation.
  • Thorough understanding of EU AML, sanctions, and risk-management frameworks.
  • Direct experience working with regulators, including the Bank of Portugal.
  • Proactive, solution-oriented mindset suited to building processes in a start-up environment.
  • Ability to lead peers across multiple countries and standardize processes while meeting local requirements.
  • Experience with data analytics tools, databases, and AI tools (preferred).

Interested in this position?

Apply directly on the company website

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