Head of AML / MLRO at Bondora

Tartu linn, , Estonia -

Full Time

Start Date

Immediate

Expiry Date

30 Apr, 26

Salary

0.0

Posted On

30 Jan, 26

Experience

10 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

AML, CTF, Sanctions, Risk Assessment, Customer Risk Models, CDD, EDD, Transaction Monitoring, Regulatory Reporting, FIU Engagement, Governance, Audits, Senior Management Reporting, EBA Guidelines, PEP Handling, Adverse Media Screening

Industry

Financial Services

Description

At Bondora, our mission is clear: to empower people to enjoy life more while alleviating the stress of managing finances. Founded in 2008, Bondora has proudly served a diverse community of over 1 million customers for an impressive 16 years. As a rapidly growing financial technology company, we’re reaching new heights with a bold vision. We’re set to acquire a banking license, unlocking a world of possibilities for our customers. Our investment product is available Europe-wide, and we’re actively expanding our loan product footprint to 11 new countries. Join us on this journey and let’s build the future of finance together! What is this role about? As Head of AML, you will take a central role in protecting and shaping a fast-growing digital financial services business operating across multiple markets. Acting as the MLRO, you will have end-to-end responsibility for the AML, CTF, and Sanctions framework, with the mandate to set direction, challenge the status quo, and raise standards as the business scales. You will work closely with senior leaders and cross-functional teams to integrate effective AML controls into customer journeys, systems, and decision-making, balancing regulatory expectations with commercial realities. This role is well-suited to an experienced MLRO or Head of AML who is ready to operate at a greater scale, with broader ownership and visibility across the organisation. Your main responsibilities: Lead the AML second line of defence and act as the company’s MLRO across all markets. Own and evolve the AML/CTF and Sanctions framework, ensuring it fits a digital financial services environment. Identify, assess, and mitigate ML/TF and Sanctions risks, including ownership of the Enterprise-Wide Risk Assessment. Define and maintain customer risk scoring and ensure its effective use throughout the customer lifecycle. Ensure robust CDD, EDD, and ongoing monitoring, including transaction monitoring, sanctions screening, PEP screening, and adverse media screening. Lead regulatory reporting and engagement, including suspicious activity reporting and regulator interaction. Build and promote strong AML awareness through company-wide training and clear accountability. What would ensure success in this role? Deep expertise in EU AML/CTF regulation, EBA guidelines, sanctions regimes, and FIU expectations for financial institutions. Proven ability to translate regulatory requirements into practical, scalable AML frameworks, controls, and governance. Experience in leading AML risk assessments, customer risk models, and defining risk appetite. Solid hands-on knowledge of CDD and EDD, including beneficial ownership, PEP handling, and remote onboarding controls. Experience overseeing transaction monitoring and screening systems, including scenario design, tuning, and case management. End-to-end ownership of STR/SAR processes. Previous engagement with FIU, ensuring high-quality reporting and defensible decision-making. Strong AML governance and assurance experience, including testing, audits, and senior management reporting. Relevant higher education degree (Bachelor’s or Master’s) in law, finance, economics, or a related field. What can you expect at Bondora? Contribute to Bondora’s ambitious goal of reaching 1BN in revenue. Your skills and efforts will directly impact our growth trajectory and shape the future of our company. Our employees deserve the best. We recognize our people with a competitive salary and a generous benefits package (5 weeks of vacation, private healthcare compensation, hobby grant, mental healthcare support, share options, and much more!) We provide an environment that encourages your personal and professional growth. As we constantly evolve and innovate, you’ll have endless opportunities (and budget) to expand your skills and skyrocket your career. The next steps If you have the guts, ideas, and a team vision, apply now! Our hiring process: Meet Kerli, our Recruiter: Your first interview with Kerli will give you the chance to share your experiences and aspirations. Assessments: Complete our personality and logic assessments to showcase your strengths. Put your skills to the test: Tackle a case study related to the role. Collaborate with Kerly, our Head of Compliance and Hiring Manager. Meet the stakeholders. The celebration begins: If the stars align, receive an offer to join the Bondora team! Join our team of Bondorians, and let's make it happen! If you'd like to read how Bondora collects, uses, and protects your personal data during recruitment, please see here.

Responsibilities

Lead the AML second line of defence and act as the company’s MLRO across all markets. Own and evolve the AML/CTF and Sanctions framework, ensuring it fits a digital financial services environment.