We are seeking an experienced Money Laundering Reporting Officer (MLRO) to join a fast-growing fintech company preparing to obtain an Electronic Money Institution (EMI) licence in Spain. This is a critical role responsible for ensuring regulatory compliance, AML policies, and risk management in line with Spanish and EU financial regulations.

Key Responsibilities:

• Act as the appointed MLRO, ensuring full compliance with AML/CFT regulations (Banco de España, SEPBLAC, and EU directives).
• Develop, implement, and continuously improve the company’s AML/CTF framework, policies, and procedures.
• Serve as the primary point of contact for regulators, financial authorities, and external auditors.
• Oversee transaction monitoring, suspicious activity reporting (SARs), and KYC/CDD processes.
• Conduct internal AML training and ensure compliance awareness across the organization.
• Collaborate with legal, risk, and compliance teams to support the EMI licensing process and ongoing regulatory requirements.
• Stay updated on regulatory changes and adapt policies accordingly.

Requirements:

• Mandatory residence in Spain.
• Proven experience as an MLRO, Compliance Officer, or AML specialist within an EMI, PSP, or fintech company.
• Strong knowledge of AML/CTF laws, PSD2, regulations, and Banco de España requirements.
• Experience in handling regulatory reporting and direct communication with authorities.
• Familiarity with risk-based approaches, transaction monitoring systems, and fraud prevention tools.
• Excellent communication skills and ability to work cross-functionally with internal and external stakeholders.
• Fluent English and Spanish (both written and spoken).

This is a great opportunity for an experienced MLRO to build and lead the compliance function of a fintech company at a crucial stage of obtaining its EMI license and scaling operations.