Team Lead, MLROs

Finom

. Represent Finom before the Bank of Portugal on AML matters and other relevant Portuguese authorities as Head of Branch .

Posted 11/5/2026contractRemote • PortugalSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in AML legislation and regulatory compliance in Portugal, with a strong focus on developing and implementing AML frameworks, CDD policies, and transaction monitoring processes. Proven ability to lead teams, manage relationships with regulators, and drive process improvements across branches.

Highest-signal resume keywords

AML Legislation KnowledgeMLRO ExperiencePeople ManagementRegulatory ReportingRisk Management Framework

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

AML Framework DevelopmentCDD PoliciesTransaction MonitoringSAR ReportingEnterprise-Wide Risk AssessmentFinCrime Risk EngineRegulatory ComplianceFraud TypologiesSanctions-Evasion UnderstandingRegulatory Inspections Coordination

Soft Skills

Proactive MindsetStakeholder EngagementCoaching and DevelopmentIndependent Problem Solving

Tools & Technologies

Data Analytics ToolsDatabasesAI Tools

Industry Keywords

Bank of PortugalSecond Line of DefencePayment InstitutionE-Money InstitutionRegulated Banking

About the role

Key responsibilities & impact

Represent Finom before the Bank of Portugal on AML matters and other relevant Portuguese authorities as Head of Branch
Build the Portuguese AML framework by adapting group policy to Portuguese law and establishing local processes
Own CDD and Transaction Monitoring policies and procedures in Portugal
Define SAR reporting requirements in Portugal
Define and implement reporting requirements to Portuguese authorities on integrity and non-integrity matters with Regulatory Reporting
Provide Portugal-specific insight on fraud, money laundering and sanctions-evasion typologies
Work with Risk Management to develop rules, scenarios and controls for Finom's FinCrime Risk Engine
Act as second-line decision-maker on complex, high-risk cases escalated by the first line
Contribute to Enterprise-Wide Risk Assessment and Product Risk Approvals
Guide the first line on CDD and Transaction Monitoring, maintain procedures and manuals, and run internal AML training
Lead, coach and develop MLROs and Deputy MLROs across EU branches
Establish shared MLRO playbooks, templates, escalation criteria, SAR decision standards and regulator communication practices
Drive group-wide process improvements
Serve as main contact for Product, Operations, Regulatory Compliance, Regulatory Reporting and other functions for the MLRO network
Own MLRO-related KRIs and report to the Management Board Risk Committee
Coordinate regulatory inspections, authority requests and remediation actions

Requirements

What you’ll need

Right to work in Portugal
Native Portuguese speaker
At least 4 years in the second line of defence at a regulated payment, e-money or banking institution
At least 2 years as MLRO or Deputy MLRO for Portuguese branches
At least 2 years of people management experience
Excellent knowledge of Portuguese AML legislation
Thorough understanding of the EU AML, Sanctions and Risk Management framework
Proven direct experience with regulators, including the Bank of Portugal
Proactive, start-up mindset; ability to identify issues, involve stakeholders, and drive solutions independently
Nice to have: experience with data analytics tools, databases and AI tools

Benefits

Comp & perks

€115 million Series C equity round and approximately $346 million total company funding mentioned, but no role-specific compensation or benefits stated
Inspiring work environment where bold ideas thrive
Opportunity to make a meaningful impact for users, employees, partners, and the business