Job Summary:

We are seeking an experienced Compliance Officer & MLRO to lead and oversee all aspects of the company’s compliance framework in support of its Electronic Money Institution (EMI) license application and ongoing regulatory obligations. The role focuses on Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) compliance in accordance with Austrian law and EU directives, including MiCAR. The successful candidate will act as the primary point of contact with the Austrian Financial Market Authority (FMA) and ensure the company’s operations fully align with regulatory requirements applicable to EMIs and virtual asset service providers.

Key Responsibilities:

• Design, implement, and maintain a comprehensive AML/CTF compliance program in line with the Financial Market Anti-Money Laundering Act (FM-GwG), MiCAR, PSD2, and all applicable EMI-related regulations.
• Develop, update, and maintain policies, procedures, and internal controls, including Know Your Customer (KYC), Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) measures.
• Conduct periodic risk assessments to identify and evaluate exposure to money laundering and terrorist financing risks, and implement robust mitigation strategies.
• Establish and maintain systems for transaction monitoring, detection, and reporting of suspicious activities.
• Investigate and file Suspicious Activity Reports (SARs) with the FMA in an accurate and timely manner.
• Serve as the main liaison with the FMA and other relevant authorities on all compliance and AML/CTF matters related to the EMI license.
• Oversee the compliance aspects of the EMI license application, ensuring all regulatory submissions and documentation meet FMA expectations.
• Develop and deliver AML/CTF training to employees across all levels of the organization.
• Foster a strong culture of compliance and integrity within the company.
• Ensure full GDPR compliance and sound data protection practices within AML/CTF operations.

Qualifications and Experience:

• Bachelor’s degree in Law, Finance, Business Administration, or a related discipline.
• Minimum 5 years of experience in a compliance role within financial services, ideally with exposure to electronic money institutions or the crypto asset sector.
• Deep knowledge of Austrian AML/CTF laws and EMI regulatory framework, including FM-GwG, PSD2, and relevant EU directives such as MiCAR.
• Strong understanding of KYC/CDD principles and regulatory best practices.
• Proven experience in conducting risk assessments and developing AML/CTF programs for licensed financial entities.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong communication and interpersonal abilities, capable of effective interaction with regulators, senior management, and internal stakeholders.
• Fluency in German and English (both written and spoken) is required.