Deputy AML Officer (croatia)

At Mercuryo, we're at the forefront of enhancing decentralized finance (DeFi) with innovative payment use cases. Our goal is to redefine the finance experience, making sure everyone can easily access both web3 and traditional financial services. We're building a robust platform that makes dealing with crypto simpler and integrates it seamlessly into the broader financial ecosystem. Our mission is clear: to create a straightforward, user-friendly platform for businesses that are pioneering the next generation of consumer services with crypto.

Since launching in 2018, we've joined forces with web3 giants like MetaMask, Trust Wallet, Ledger, Jupiter, 1inch, PancakeSwap, powering over 200 dynamic products. This collaboration is driving the creation of innovative payment solutions within the web3 industry, involving direct engagements with prominent ecosystems such as Solana Labs, Consensys, and BNB Chain.

Why Mercuryo?

Industry Impact: Make a real difference by contributing to leading web3 projects that onboard millions of users into the new economy.

Innovative Environment: Join a team of over 200 professionals from the most dynamic sectors, including banking, SaaS, and web3, all committed to delivering the best user experience in the industry.

Growth and Learning: With partnerships spanning more than 200 top-tier B2B collaborations and a user base exceeding 7 million, the opportunities for professional growth are vast.

Flexible Culture: Embrace our remote-first policy that values diversity, with team members from over 29 countries, creating an environment where ownership and creativity thrive

About the Role

Moneysail, a full subsidiary of Mercuryo, authorised by HANFA to provide crypto asset services, is now seeking a Deputy Anti-Money Laundering (AML) Officer to help us in building out the second line of defence and to push our Financial Crime Compliance Program to the next level.

As Moneysail’s Deputy AML Officer, you will be responsible for carrying out the vision and the mission for the team as the company continues to scale. You will work closely with key stakeholders in Financial Crime Compliance Operations, Legal, Risk, Product, Engineering, and other functional areas to ensure Moneysail is compliant with all relevant regulations.
The Deputy AML Officer reports directly to Moneysail’s Money Laundering Reporting Officer (MLRO) and will be supporting our financial crime efforts across all Mercuryo entities (currently in Europe and North America).
As our Deputy AML Officer, you will have the opportunity to work on a wide range of areas in the increasingly important world of fintech payments and virtual assets and have a real impact on the growth of the entire Mercuryo Group.
This is a purely second line compliance role with a heavy focus on SAR Reporting, policy, advisory and assurance, however, a good understanding of assessing, implementing and configuring operational systems and controls is required to make this a success.

Your Role: 

• Suspicious Activity Reporting: Manage the process for and report SAR for Moneysail and other entities within the Mercuryo Group.

• Advisory: Provide compliance advice to the rest of the Mercuryo & Moneysail team, business units and management.

• Policies and Procedures: Construct, review, and maintain financial crime compliance policies, procedures, and processes to ensure that the systems and controls framework is adequate and up to date.

• Horizon Scanning: Implement Horizon Scanning processes and ensure stakeholders are made aware of any changes expected.

• Assurance: Conduct financial crime compliance reviews, perform compliance monitoring and surveillance to ensure that policies, procedures, and practices are being followed and adhered to.

• Reporting and Escalation: Provide regular internal management information on compliance related activities, for onward escalation, including the development of compliance governance packs.

• Operational Enhancements: Act as the point of contact for all financial crime advisory tickets and requests – ensuring you maintain a risk based and balanced approach to advising the business.

• Risk Assessment: Perform Risk Assessment activity across the Group – including enterprise risk assessments, regular jurisdictional risk assessment and regular alterations to the customer risk scoring process.

• Breach Management: Manage the escalation, root cause analysis, and remediation of financial crime compliance breaches.

• Control Testing: Implement risk-based monitoring and assurance programs on core oversight activities - such as KYC/B, transaction monitoring, screening, complaints, customer outcomes, outsourcing, financial promotions, etc.

• 2nd Line Compliance Operations: Work on compliance operations such as gifts and entertainment registration, regulatory reporting, conflicts management, EDD sign off, quality assurance, and testing.

• KYB/KYC Standards: Provide KYB and client due diligence advisory and act as an escalation point regarding Mercuryo/Moneysail’s risk appetite.

• Training: Assist on the development and delivery of compliance training to the organisation.

• Business Partnerships: Be an integral part of the technology and product teams, ensuring compliance remains at the forefront of good product development and governance.

What We're Looking For: 

• Minimum of 4 years of relevant experience working in a regulatory, law enforcement, e-money, payment services, crypto, consultancy or a retail banking environment – or similar regulatory background.

• You’ll be hungry to step into a managerial role from an Assistant Manager (or equivalent) position.

• You’ll need to be a financial crime generalist for this role – we’d love to see that you have experience across Policy & Procedure development, Risk Assessment, Assurance, Advisory and Oversight within AML/CTF, Sanctions, Fraud and Bribery second line compliance.

• A keen eye for detail and the ability to confidently challenge the business units and advise on solutions to problems.

• Hands on experience in designing and implementing Financial Crime Compliance and Operational programs around onboarding, CDD, transaction monitoring and screening.

• The ability to build strong relationships, make impactful contributions and influence business strategy.

• Fluency in English.

What we love about you:

• Strong track record of implementation and execution of regulatory and compliance programs.

• A pragmatic way of thinking, coupled with legal, compliance or financial qualifications.

• An excellent communication style - both verbally and in writing, with the ability to adapt your approach to your audience.

• You love to write - we have a lot of documents to draft, and we place a high degree of importance on clarity and readability.

• Some ability to speak another language would be advantageous but is not necessary.

• Comfortable with solo execution - we're a small team so you'll need to be happy rolling up your sleeves.

• You enjoy working with a young team and taking the time to share your knowledge and experience.

• Capable of working to own initiative.

• You are inquisitive and confident in questioning the status quo.

• Good team player who is happy and thriving working in a start-up environment.

• You are proud of your impeccable work ethic and entrepreneurial business mindset.

What We Offer:

• Competitive market rate salary and performance-based incentives

• 22 days annual leave with an additional 6 company days, plus bank holidays

• Comprehensive health insurance plans

• Extensive Benefits program

• Flexible work schedule and remote work options

• Professional development and training opportunities

• Opportunity to shape the initiatives you’re working on

• Diverse and friendly team

• We are open-minded to new ideas

We're hybrid-remote so you should be comfortable picking up new software tools for document drafting, collaboration and communication. Most of your colleagues will not share an office with you on a day-to-day basis.

Join Us

If you're driven to be a part of the web3 forefront and are keen to leave your mark on this rapidly evolving field, Mercuryo is an excellent choice. Discover our open positions and see how you can contribute to shaping the future