Money Laundering Reporting Officer, AML
Own the AML/CTF program and regulatory reporting for Billhop AB, serving as its independent MLRO and primary contact with Swedish regulators. The role requires 8+ years of compliance or AML experience, fluent Swedish and English, and strong fintech or payments expertise.
About the job
Responsibilities
- Serve as Billhop AB's Money Laundering Reporting Officer (MLRO) / Centralt funktionsansvarig, with independent authority over AML/CTF program design, execution, and effectiveness.
- Act as the primary regulatory contact with Finansinspektionen, managing supervisory correspondence, periodic reporting, and licensing support.
- Evaluate and file Suspicious Transaction Reports (STRs).
- Provide final sign-off on high-risk onboarding, transaction-monitoring escalations, and sanctions alerts.
- Partner with Billhop AB's management team, including the specially appointed executive, to align executive oversight with day-to-day AML operations.
- Own and deliver the annual AML/CTF training program for local board members, management, and relevant operational teams handling Swedish accounts.
- Manage internal reporting channels for potential AML/CTF infractions.
- Maintain and evolve the AML/CTF risk assessment, policies, and procedures, including new-product approval process (NPAP) reviews.
- Prepare and present the MLRO report to the Billhop AB board and leadership.
- Partner with Ramp's broader Compliance, Legal, and Engineering teams in the United States and United Kingdom on cross-border projects.
Requirements
- 8+ years of financial-services experience in compliance, AML, or related regulatory advisory roles.
- Native or fluent Swedish and fluent English, written and verbal.
- Demonstrated AI fluency and experience leveraging AI to build and scale AML programs.
- Deep working knowledge of Finansinspektionen's supervisory expectations.
- Significant senior-level AML advisory or deputy compliance experience at a Swedish-regulated entity.
- Direct experience interfacing with regulators and bank partners.
- Ability to operate as a standalone compliance lead with independent judgment on filing and escalation decisions.
- Fintech or payments experience, particularly card issuing, corporate expense, or high-velocity digital transaction monitoring, is strongly preferred.
Nice-to-haves
- Experience with license applications or upgrades.
- Prior cross-border or group-compliance structure experience.
Benefits
- Flexible paid time off.
- Centralized home-office equipment ordering.
- Health and wellness stipend.
- Budget for intra-office travel.
- Weekly coffee stipend.
Skills
Aml/Ctf, Financial Compliance, Regulatory Reporting, Finansinspektionen, Suspicious Transaction Reports, Transaction Monitoring, Sanctions Screening, Risk Assessment, AI, Fintech, Payments, Licensing
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