Head of AML Policies & Programmes

TransferGo is a growing fintech scale-up on a mission to make the world a fairer place for migrants. We strive to provide tailored, more affordable financial services that make people's hard-earned money go further. Now in our 12th year, with over 370 employees in offices across Europe, we’re crafting a brilliant, relevant product that makes a difference in people's lives and the well-being of their families. We’ve come this far by building a talented, diverse workforce on a fair culture and our strong values. Having this strong team of employees, we can serve those who really need our product to make their lives better. We aren’t just about the numbers, although it is a critical part of our work! Our teams work across the business, partnering with other departments to provide meaningful financial insights. We produce short and long range forecasts, work closely with investors and help other teams to deliver on their goals. Our colleagues are our internal customers, and we love working with them. We support our colleagues in making the right decisions to create a fairer financial world for our customers. Our team is detail-oriented, passionate, and commercially minded. We thrive in collaborating across the business and work across geographies. A sense of humour also helps!

Here’s what you’ll be doing

• Manage the AML program's tasks on a group level, acting as the representative of the MLRO when decisions need to be made as per relevant decision matrix.
• Continue development and implementation of comprehensive AML related policies aligned with regulatory standards and internal requirements.
• Conduct thorough gap analyses and maturity assessments to identify areas for improvement in anti-money laundering & financial crime prevention programs.
• Ensure QA teams perform QA activities as per applicable policies and procedures, approving QA programs, and overseeing compliance with quality assurance standards, requesting the necessary actions during the monthly QA team reporting.
• Review and approve operational procedures related to AML and sanctions compliance to ensure operational changes adherence to regulatory requirements.
• Manage company wide consultations on AML, Fincrime compliance efficiently, ensuring timely resolution of compliance issues and appropriate actions.
• Manage group-level expectations, collaborating closely with the company's MLROs to align compliance efforts with organizational objectives and regulatory requirements.
• Provide inputs into annual training programs, supporting relevant teams when expertise is needed, and delivering training to enhance compliance knowledge and performance.

You’ll report to our MLRO Europe.

Here’s what we’d love from you

• Passion for navigating complex regulatory landscapes and proactive leadership skills
• Ability to manage stakeholder expectations effectively and being a pro-active leader
• Proven experience in the financial sector, fintech, or banking industry in AML Compliance
• Expertise in regulatory requirements interpretation and drafting policies
• In-depth knowledge of Lithuanian AML regulations with awareness of regulatory updates
• Proficiency in both Lithuanian and English languages for clear communication
• Experience handling complex AML cases, understanding financial crime risks and being able to provide necessary guidance to the operational teams

And if you can also have this stuff, even better: 

• Law degree
• CAMS or ICA certifications

#LI-RM1

What we believe

At TransferGo, we offer competitive rewards to all our people. We know that recognition is about more than just money, and we’ve fostered a culture of kudos to shine a light on the great work throughout the business, and the people making it all happen. We hold regular in person events to connect with each other and help all our TransferNauts to grow with a generous training allowance. We believe that empowering people makes for a happier and more effective workforce. This means we enable anyone who wants to pursue initiatives that deliver real value for our migrant customers. 

What we offer:

• Be part of building a meaningful product in a growing fintech scale-up;
• A competitive rewards package;
• Generous holiday allowance (based on tenure);
• Competitive healthcare insurance / wellbeing package (based on your location);
• An annual training budget of €1,000 to spend on your growth;
• We truly embrace flexibility and our people work from a variety of places (office, hybrid and remote, you can find it all here);
• If you are near one of our offices, we are a pet-friendly company and we enjoy regular opportunities to connect in person (we truly value in person connection on a regular basis and celebrate in style).