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About the Role
As Group MLRO, you will lead AML oversight, reporting to the Chief Risk & Compliance Officer. You will be the functional lead for AML, CTF, and sanctions across Holvi, setting priorities and overseeing MLROs in Austria and Finland. This is a functional leadership role where you will advise on AML strategy, act as the primary contact for regulators and auditors, and shape the company's financial crime prevention efforts.
Responsibilities
- Shaping the AML strategy and roadmap, aligning the first line and guiding Holvi through regulatory change
- Evolving customer risk methodology, policies, controls, tooling, and training
- Assessing new products and changes across their lifecycle, linking assessments to the BWRA
- Testing core 1LOD processes and driving gaps to resolution
- Leading regulatory exchanges, audits, thematic reviews, and annual reporting
- Reporting to the Board and Risk Committee with clear, data-led metrics
- Advising on risk appetite and KRIs
- Steering the priorities of country MLROs
- Overseeing partner and outsourcing compliance and adjacent areas such as fraud, anti-bribery and corruption, and whistleblowing
Requirements
- Several years of AML/CTF experience at a regulated financial institution, including as MLRO or deputy MLRO
- Hold a relevant certification (e.g. CAMS, ICA)
- In-depth knowledge of the EU AML framework
- Experience handling supervisory exchanges (e.g. with BaFin), audits, and regulatory reviews end to end, including remediation
- Experience designing or evolving customer risk scoring models, BWRAs or similar methodologies
- Understanding of TM, screening and CDD tooling, including tuning and validation
- Ability to translate complex risk topics into clear Board reporting and practical guidance
- Hands-on approach to building structure in a scaling company
- Ability to provide risk-based judgment
- Leadership through influence, aligning peers and stakeholders
- Fluent English and German
Skills
- AML
- CTF
- Sanctions
- Risk Management
- Regulatory Compliance
- Financial Crime Prevention
- Data Analysis
- SQL
- Dashboarding
Location
- Berlin
Work Type
- Full-time
- Permanent
- Hybrid
Experience Level
- Senior
Education Level
- Relevant certification (e.g. CAMS, ICA)
Benefits
- Employee stock options
- Flexible working hours
- Possibilities for remote working
- Monthly benefit budget
- Weekly exercise hour
- Bi-weekly breakfasts
- Bi-annual team weeks
About the Company
- Holvi was founded in 2011 in Helsinki by self-employed individuals who experienced challenges with traditional banks regarding small business finance.
- The company's vision is to eliminate financial admin distractions and simplify work life for small businesses.
- Holvi is a pioneering fintech company that has evolved into a team-owned and profitable entity.
- The company is committed to making self-employment easier.
Equal Opportunity
- Holvi embraces diversity and fosters an inclusive environment.
- Applicants will be considered without regard to ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity status, or disability status.