Head of Compliance & MLRO (Crypto/Digital Assets/Web3)

About the role

The Money Laundering Reporting Officer (MLRO) will lead Paymonade’s efforts to prevent money laundering and terrorist financing across its crypto and digital‑asset payment platform. Reporting to senior leadership, the MLRO ensures that all business activities comply with the Financial Market Authority (FMA) standards and protects the company from regulatory, financial and reputational risk.

Key responsibilities

• Establish, enhance and maintain the AML/CTF compliance framework, including policies, procedures and internal controls.
• Continuously monitor customer behavior and transaction activity to detect unusual or high‑risk patterns.
• Conduct periodic internal reviews and risk assessments to confirm alignment with regulatory obligations.
• File timely reports on suspicious transactions with the appropriate financial intelligence authorities.
• Deliver regular AML/CTF training and ongoing support to staff.
• Serve as the primary liaison with regulators, auditors, law‑enforcement agencies and external stakeholders.
• Track regulatory developments and update company policies to reflect current legal and industry standards.
• Prepare compliance updates and risk summaries for senior leadership and embed AML/CTF requirements into daily operations.

Required profile

• Degree in Business, Law, Finance or a related field.
• Professional AML/CTF certification (e.g., CAMS, ICA) is a strong asset.
• Minimum 4 years of experience in financial‑crime compliance, preferably in financial services or crypto‑focused environments.
• Deep understanding of AML/CTF frameworks, regulatory expectations and industry best practices.
• Strong investigative mindset with the ability to assess complex information and make sound judgments.
• Clear, professional communication skills and the ability to collaborate at all organizational levels.