ALMCO (EU Entity)

ALMCO (EU Entity)On-siteComplianceFull timeBrussels, Brussels, BelgiumShare this job Description👋 About UsNALA is building Payments for the Next Billion. Faster, smarter, and fairer transfers for everyone. Since 2022, we've grown our business 120x, grown the team from 9 to 150+, raised $50M+ from top-tier investors, and were named to the Forbes Fintech 50 in 2025 & 2026.We operate two core products:NALA, our consumer app, makes cross-border payments cheaper, faster and more reliable for the global diaspora — sending money from the UK, US and EU to Africa and Asia.Rafiki, our B2B payments infrastructure, is powering global payments for global giants like MoneyGram & Western Union.Our team includes alumni from Wise, Stripe, Monzo, Revolut, and CashApp — operators who've scaled world-class products. We act with urgency, think deeply, and put our customers first, always.At NALA, this isn't just a job. It's ownership, impact, and the chance to change global payments forever. Join us in building Payments for the Next Billion.🙌 Your MissionNALA is scaling across the European Union — and that means building an AML/CFT framework that satisfies 27 member states, earns the trust of National Competent Authorities, and positions us for the centralised supervision era of AMLA. As our EU AMLCO, you'll be the designated Management Level Officer responsible for the integrity of our entire EU compliance programme. This is the role that makes our EU ambition possible: protecting our licence, enabling passporting, and ensuring that fast, fair payments for the diaspora never come at the cost of financial integrity.🎯 Your Responsibilities in this RoleOwn NALA's EU AML/CFT framework end-to-end — policies, controls, governance, and risk appetite — ensuring it meets the requirements of AMLD5/6, EBA guidelines, and local transposition in our home member state, and is ready to scale across the EU via passporting.Act as the appointed AMLCO/CO and ensure full compliance with AML and CFT regulatory requirements and that operations align with NBB standardsLead NALA's preparation for AMLA — mapping our existing programme against the Authority's emerging supervisory expectations and building the internal capability to operate under direct and indirect pan-European oversight.Design, implement, review, update and maintain the AML/CFT framework, internal compliance policies and procedures, along with  manuals and risk assessments based on a risk-based approachOversee transaction monitoring, sanctions screening, and PEP detection — working closely with Product and Engineering to tune automated and AI-driven systems for a high-volume, multi-currency payments environment, and auditing their effectiveness on an ongoing basis.Manage all high-stakes financial crime reporting obligations, including SARs and STRs, ensuring accuracy, timeliness, and appropriate escalation to senior leadership and the board.Build and maintain the Four-Eyes governance structure required under EU law, and deliver AML training across the organisation so that every team member understands their obligations and can act on them with confidence.Requirements🔥 Must-have requirementsExpert-level knowledge of EU AML/CFT legislation — AMLD4/5/6, EBA guidelines on internal governance and risk management, and the local transposition of AML law in at least one EU home member state.Previous experience as a formally designated AMLCO, MLRO, or Head of Compliance at an EU-regulated Credit Institution, Electronic Money Institution, or Payment Institution.Eligibility for Fit and Proper approval by a National Competent Authority, with a demonstrable track record of professional integrity and sound judgement.Proven ability to design and maintain a Business-Wide Risk Assessment that meets both home-state regulatory standards and the robustness required for EU passport notifications.Hands-on experience managing NCA relationships — you've led regulatory examinations, responded to supervisory requests under...