About Us

We are a high-growth fintech headquartered in Copenhagen, soon operating under a Danish EMI license regulated by Finanstilsynet. We deliver cutting-edge payment and e-money solutions, combining scale-up agility with the robustness of a licensed financial institution.

The Role: Head of Compliance & MLRO

As Head of Compliance and Money Laundering Reporting Officer (MLRO), you will drive our compliance and AML/CFT agenda, ensuring regulatory adherence while supporting growth across Denmark and the EU. You will report functionally to the Board/Audit Committee and administratively to the CFO, with independent access to data, systems, and staff, and direct escalation rights to the Board.

Key Responsibilities

• Risk & Governance: Own enterprise-wide risk assessments (ML/TF/PF, risk appetite, KRI/KPI) and develop Customer Risk Assessment methodologies.

• Customer Processes & Monitoring: Oversee Customer Due Diligence/Enhanced Due Diligence transaction monitoring (TM), sanctions/PEP screening, and STR/SAR governance with timely reporting and full audit trail.

• Policies, Training & Culture: Manage policy framework, annual risk-based compliance plan, and training programs for Board and staff on PEP/high-risk jurisdictions.

• Regulatory Interface: Act as primary contact for Finanstilsynet and FIU for thematic inspections, data requests, and notifications.

• Outsourcing & Vendors: Oversee outsourcing (EBA guidelines), including due diligence, contracts, and monitoring of KYC/TM providers.

• Data & Tech: Ensure data quality for KYC/TM/screening and define 2nd line controls, leveraging TM systems and BI tools.

• EU Operations & Record Keeping: Manage cross-border governance, agent/distributor oversight, and ensure record-keeping (≥5 years) with full audit trail.
  

Requirements

• 5+ years of AML/CFT leadership experience in finance (EMI/PI/bank/insurance), including regulator engagement.

• Proven MLRO and 2nd line experience (challenge & oversight).

• Strong knowledge of Hvidvaskloven, FINANSTILSYNET guidelines, PSD2/EMI rules, EU sanctions; familiarity with MiCA/DORA a plus.

• Hands-on expertise in TM, CDD/EDD, model governance, and vendor management.

• Business-level Danish and English (mandatory).

• Clean record, no conflicts of interest, and willingness for FINANSTILSYNET fit & proper assessment.
  

Compensation

• Competitive senior salary package (fixed + pension + potential equity program).

• Hybrid work flexibility, based in Copenhagen.
  

Why Join Us?

• Build and lead a mature, risk-based AML/compliance program with a strong mandate and resources.

• Close access to the Board and leadership, with the opportunity to build a 2nd line team.

• Dynamic culture balancing fintech innovation with regulatory integrity.