# Head of AML & CTF , Payward Europe Solutions Ltd

**Company:** [Kraken](https://hotfix.jobs/companies/kraken)
**Location:** Remote
**Role:** Legal
**Experience:** 8+ years
**Skills:** Aml/Cft, Anti-Money Laundering Regulation, Financial Crime Compliance, Sanctions Compliance, Customer Due Diligence, Enhanced Due Diligence, Transaction Monitoring, Screening, Suspicious Activity Reporting, Risk Assessment, Regulatory Compliance, Mifid Ii, Market Abuse Directive, AI, Automation
**Posted:** 2026-07-17

> Leads Payward Europe Solutions’ AML/CFT framework as PCF-52 and Money Laundering Reporting Officer, overseeing governance, risk assessment, monitoring, reporting, sanctions controls, and regulatory engagement across a high-growth crypto services business. Requires substantial regulated financial services compliance experience and strong knowledge of Irish and EU requirements.

## Job Description

## Responsibilities
- Lead and maintain the firm’s AML/CFT compliance framework in line with applicable legal, regulatory, and internal policy requirements.
- Act as the senior accountable officer for AML/CFT compliance governance, oversight, and escalation, including serving as the Money Laundering Reporting Officer.
- Develop, implement, and periodically review AML/CFT policies, standards, procedures, and controls.
- Oversee the enterprise-wide AML/CFT risk assessment and ensure risks are identified, assessed, mitigated, and reported appropriately.
- Design, implement, and oversee controls for AMLR (Regulation (EU) 2024/1624) compliance.
- Partner with the business to bring products and services to market quickly while embedding appropriate controls.
- Improve operational efficiency through an automation-first approach, including the use of AI where consistent with regulatory requirements.
- Oversee customer due diligence, enhanced due diligence, ongoing monitoring, screening, transaction monitoring, and suspicious activity escalation.
- Oversee suspicious transaction reporting, including internal escalation, external reporting, and record maintenance.
- Provide oversight of sanctions compliance controls, including screening governance, escalation processes, and regulatory developments.
- Advise senior management and the board on AML/CFT matters, emerging risks, regulatory expectations, and control enhancements.
- Prepare and deliver AML/CFT management information, reporting, and risk updates to governance forums, senior management, and the board.
- Act as the principal AML/CFT contact for the Central Bank of Ireland and other relevant authorities.
- Ensure regulatory findings, audit issues, compliance reviews, and internal control gaps are remediated effectively and promptly.
- Oversee AML/CFT training and awareness programs.
- Collaborate with Compliance, Legal, Risk, Operations, Product, Customer Engagement, and Technology teams.
- Support new product, jurisdiction, customer segment, and outsourcing assessments.
- Maintain oversight of third parties and outsourced providers performing AML/CFT activities.
- Promote a strong culture of financial crime compliance, accountability, and ethical conduct.

## Requirements
- Experience in crypto, fintech, or another regulated, fast-paced, high-volume transaction industry.
- Significant AML/CFT, financial crime compliance, or regulatory compliance experience within regulated financial services.
- Previous experience as a PCF-52 with a CASP or financial services firm.
- Strong knowledge of Irish and EU AML/CFT legislation, regulatory expectations, and applicable guidance.
- Experience designing, implementing, and overseeing technology-enabled AML/CFT frameworks in complex or high-growth environments.
- Experience engaging with regulators, senior management, boards, audit, and second- and third-line oversight functions.
- Strong understanding of AML/CFT risk assessment, CDD/EDD, transaction monitoring, screening, suspicious activity reporting, and governance.
- Experience managing compliance issues related to new products, technology, outsourcing, and cross-border operations.
- Strong judgment, independence, and ability to challenge effectively at senior levels.
- Ability to satisfy Fitness & Probity standards, including competence, capability, honesty, integrity, and financial soundness.
- Risk-based decision-making and cross-functional collaboration.

## Nice to have
- Previous experience with MiFID II or the Market Abuse Directive.

## Compensation and benefits
- The role reports to the Head of Compliance, PESL, and PESL’s CEO, with accountability to the PESL Board.
- Appointment is subject to approval by the Central Bank of Ireland and PESL’s Board of Directors.

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