MLRO (Money Laundering Reporting Officer / Responsable LCB-FT ) & Compliance and Internal Control Officer (RCCI / Responsable de la Conformité et du Contrôle Interne)

Ideal Candidate: The ideal candidate will have hands-on experience as Compliance Officer and Money Laundering Reporting Officer having previously worked for an established or start-up Electronic Money Institution and/or DASP (PSAN) or CASP (PSCA), or equivalent. The ideal candidate will have passed fit & proper assessment by the ACPR/AMF or equivalent.

The Compliance Officer & Money Laundering Reporting Officer (MLRO) is a key control function within the institution, responsible for the design, implementation, and effective operation of the AML/CFT framework in accordance with French and European regulatory requirements, as well as the second line of defence (2LoD) (contrôle permanent).

The MLRO has overall responsibility for AML/CFT compliance, enterprise-wide risk assessment, regulatory reporting, and supervisory interactions, and acts as the primary point of contact with ACPR and Tracfin. The role also contributes to the institution’s operational resilience and regulatory governance framework, including DORA compliance.

• Act as the designated Money Laundering Reporting Officer pursuant to the Code monétaire et financier and ACPR requirements;

• Define, implement, and maintain AML/CFT policies, procedures, and internal controls proportionate to the institution’s risk profile;

• Ensure effective customer due diligence (CDD), enhanced due diligence (EDD), transaction monitoring, and sanctions screening frameworks;

• Review, validate, and submit Suspicious Transaction Reports (STRs) to Tracfin;

• Ensure ongoing compliance with applicable French laws, ACPR positions and recommendations, and EU AML directives.

• Own and maintain the business-wide AML/CFT risk assessment;

• Establish, document, and regularly update the cartographie des risques, ensuring alignment with products, customers, geographies, and delivery channels;

• Report regularly to senior management and the Boards (Executive and Supervisory) on AML/CFT risks, control effectiveness, remediation actions, and any other pertinent subjects as may be required from time to time;

• Contribute to internal governance bodies and decision-making processes relating to risk and compliance.

• Be responsible for the preparation, accuracy, consistency, and timely submission of regulatory reportings, including:

  • AML/CFT, RUBA, COREP (where applicable)

  • Any ad-hoc reporting requested by ACPR or other competent authorities

• Act as the primary contact for ACPR, Tracfin, statutory auditors, and internal audit (contrôle periodique);

• Coordinate regulatory inspections, respond to supervisory findings, and oversee remediation plans.

• Ensure oversight and coordination of DORA (Digital Operational Resilience Act) compliance from a second-line perspective;

• Contribute to ICT risk governance, incident reporting, and operational resilience frameworks;

• Ensure consistency between AML/CFT, risk management, and operational resilience controls

• Define and oversee AML/CFT and regulatory training programmes for relevant staff and senior management;

• Monitor regulatory developments (AML/CFT, prudential, DORA) and ensure timely and effective implementation.

• Experience as MLRO, Deputy MLRO, or senior AML/CFT and compliance professional within a regulated financial institution;

• Strong command of French AML/CFT regulatory framework, ACPR supervisory expectations, and EU regulations;

• Demonstrated experience owning enterprise-wide risk assessments and maintaining a cartographie des risques;

• Proven responsibility for regulatory reporting (AML, RUBA, COREP or equivalent prudential reporting);

• Practical knowledge of DORA requirements, ICT risk, and operational resilience governance;

• Experience within an Electronic Money Institution, Payment Institution, PSAN/PSCA (MiCA), or fintech;

• Direct interaction with regulators and experience managing supervisory reviews;

• Ability to act independently with authority, integrity, and sound judgment;

• Fluency in French (written and spoken); professional working proficiency in English required.

This role constitutes a key function under ACPR governance requirements and may be subject to regulatory assessment or approval.