Senior AML Officer

About the roleToken Payment Services is looking for an experienced Senior AML Officer to join our AML & Compliance Department in Bucharest.We are looking for a compliance professional with solid hands-on experience in AML/CFT, KYC, international sanctions, and financial crime compliance, who can independently manage complex AML matters and contribute to the continuous development of our compliance framework and control environment.Key responsibilitiesEnsure compliance with applicable AML/CFT, KYC and international sanctions requirements, as well as internal policies and procedures;Contribute to the development and periodic update of AML/CFT, KYC, sanctions and compliance policies, procedures and internal controls;Prepare and collect information required for periodic AML/CFT risk assessments, monitor relevant risk indicators and identify potential deviations;Oversee and support customer and agent due diligence, including CDD/EDD, customer risk assessment and ongoing monitoring;Review and conclude screening and transaction monitoring alerts, assess unusual or potentially suspicious activity and determine appropriate follow-up measures;Prepare, review and submit Suspicious Transaction Reports (STRs) and other relevant regulatory reports to ONPCSB, in accordance with the applicable legal framework and internal responsibilities;Support compliance with international sanctions, including the assessment of potential matches and implementation/reporting of restrictive measures, where applicable;Assess the effectiveness of first-line AML/CFT and sanctions controls and propose or follow up on remediation measures;Prepare documentation and provide support in relation to BNR, ONPCSB and other competent authorities, as well as internal and external audits;Perform compliance assessments for new products, services, processes and projects and provide AML/Compliance recommendations;Contribute to the implementation and enhancement of AML screening and transaction monitoring systems, including collaboration with relevant internal stakeholders and the DPO where required;Develop and deliver AML/CFT, sanctions and compliance training and testing activities;Review internal escalations concerning potential AML/CFT or sanctions breaches and ensure appropriate action in line with internal procedures;Work closely with operational and business teams to ensure effective implementation of compliance requirements;Ensure appropriate documentation, record-keeping and audit trail for AML/CFT and sanctions-related activities;Maintain strict confidentiality and comply with applicable tipping-off restrictions.What we’re looking forRelevant professional experience in AML/Compliance/Financial Crime within payment institutions is required;Solid understanding of payment services, payment institution business models and the associated AML/CFT risks;Strong knowledge of the Romanian and EU AML/CFT regulatory framework, KYC/CDD requirements and international sanctions;Hands-on experience with CDD/EDD, customer risk assessment, sanctions/PEP/adverse media screening and transaction monitoring;Experience in investigating suspicious activity and preparing or reviewing STRs;Good understanding of the three lines model and the role of Compliance as a second-line control function;Ability to interpret regulatory requirements and translate them into practical policies, controls and business requirements;Strong analytical skills, sound professional judgement and a risk-based approach;Ability to independently manage complex cases and take ownership of assigned responsibilities;Strong communication and stakeholder-management skills;Good command of English, both written and spoken.