Country AML & Compliance Officer - Europe at Sendwave

Posted on:
January 5, 2023

🔭 Our mission & vision

Job Description

Who we are

Sendwave is on a mission to make sending funds to loved ones as easy and affordable as sending a text. What makes us stand out in a sea of similar apps? We deeply care about the diasporas and communities we serve — and that comes with a sense of connection to the markets we operate in. We strive to make life better for everyone who touches our product. That means recognizing and honoring the human experience behind sending money. We do that by remaining fee-free in most of our markets and offering round-the-clock customer care.

Our app is currently available in the United States, United Kingdom, Canada, and parts of Europe, and sends funds to 19 receiving countries for over 500,000 users. We currently have a 4.6-star rating on Trustpilot — people put their faith in us to deliver their money quickly, securely, and affordably. And we’re pretty darn proud of that.

How we work

What we’re most proud of though is our brilliant, creative, and tenacious team. Our remote-first workplace means you’ll be working with Sendwavers in Europe, Africa, South America, and the U.S. that all share a core set of Sendwave values. What exactly are those values? Glad you asked.

Prioritize fearlessly.

There will always be more problems to solve and opportunities to pursue than we have the capacity for. We’re not afraid to say no and are willing to let fires burn, knowing that to win we must discern and execute decisively on the vital few rather than the important many.

Take full ownership of the outcomes we’re responsible for.

Our job is not to do what we can to solve a problem. It's to ensure that problem is solved. If an attempt to solve a problem doesn't work, we seek an alternative. If we need help, we request it, and, if necessary, demand it.

Forge a diverse team and inclusive culture.

We believe the challenges we’re addressing will be best met by a truly global, diverse team, working together. We’re not naive to the systemic bias and discrimination that make this easier said than done, so we check our egos, listen deeply, and measure progress towards making this a fundamental part of our success.

Maximize our rate of learning.

We view projects as ever-evolving drafts and welcome opportunities to discover that what we had in mind won't work so we can move to an even better end state. Most importantly, we do this fast. The faster we run these loops — as a company and individuals — the faster we’ll achieve our mission.

Embrace embarrassing honesty from ourselves and others.

We function best when we're open and honest with one another — especially about our challenges and doubts. We lean into uncomfortable conversations and support our colleagues when they do the same.

Maximize energy, not time spent.

We measure our own and others’ contributions by objectives reached, not time spent. Living a full life outside of work is necessary for high achievement over the long term.


Please NOTE: This role is a Zepz role meaning you will be supporting WorldRemit and Sendwave

About the role

The Anti-Money Laundering Compliance Officer, an officer level role, will be the go to individual for all Anti-Money Laundering and Counter-Terrorist Financing issues for the European Economic Area. They will be highly knowledgeable about the AML directives, regulatory guidance and circulars and remain abreast of all the trends in compliance regulation in Belgium and in the European Economic Area.

As a member of Zepz Compliance team you will aim high, embrace challenge and always do what’s right; acting with integrity and building trust as you contribute to the company’s technical direction and long term decision making.

Reporting to the Director, Regional Compliance - Europe (MLRO), you will:

Be responsible for  anti-bribery and corruption (‘ABC’), KYC, marketing communications and PSD2 issues liaising closely with the Regional Head of Compliance, EMEA

Implement programmes which seek to both protect the business, whilst not choking growth. They will be the internal subject matter regarding AML/CTF for all internal stakeholders and product development.

Implement and manage the AML and CTF programmes, record management, exams and audits, licence registrations and oversee reporting for suspicious activity.

Conduct risk assessments and training and resolve issues identified in Exams and Audits.

Produce periodic management reports, they will be accountable and report into compliance management on the status of AML/CTF compliance.

 Work with senior management to determine the course of action for cases of reputational risk.

Ensure compliance with country/jurisdictional laws, regulations and company policy and procedure.

Embody an ‘AML and CTF’ aware culture throughout WorldRemit which is capable of identifying, managing and quantifying exposures.

Be responsible for regulatory reporting to the NBB

What we’re looking for from you

Established Compliance Officer, who has previously overseen an anti-money-laundering framework and responsible for external reporting to the relevant authorities.

Highly knowledgeable about the AML directives, regulatory guidance and circulars and remain abreast of all the trends in compliance regulation in Belgium and in the EEA. 

AML and CTF Expertise: Steeped in CDD, EDD, partner/third party due diligence, and suspicious activity detection/investigation, and reporting. Understand compliance frameworks for risk management and internal controls. Abreast of 5th/6th MLD, PSD2, Belgium and EU AML regulations and directives as applicable. Will know how to implement best AML/CTF practices and resolve outstanding issues. Able to socialise best practice with the broader global compliance team.

 Developed knowledge of relevant AML and CTF legislation and likely a good understanding of the principles of anti-bribery legislation, PSD2 and KYC.

 Engaged in the day-to-day details of the role, whilst never losing strategic oversight of the control framework and having the gravitas to face off to very senior stakeholders internally.

A strong people manager, they will be a ‘multiplier’ of the talent in their team and naturally attract and retain high performing team members, setting a tone of positivity, accountability, and competence within the team.

Operational and Strategic Mentality - Not only develops sound and effective day to day controls but continually monitors and oversees operations to assure alignment with the business. Realizes that cultivating our people is one of our best strategic choices. Can manage the tasks of the day while scanning the horizon for future threats/changes. 

What you will get from us

Private Medical Insurance (colleague only)

Group Insurance Policy (Includes Pension, Life assurance, waiver and disability). 2% E'ee and 5% E'er contribution.

Unlimited Holiday

Meal Vouchers

Employee Assistance Program

And best of all:

Our team of over 400 employees is fully distributed across the world. We are working from coffee shops, homes, and co-working spaces — making us one of the larger fully distributed growth-stage startups in the world.

We are proud parents, community organizers, farmers, band members, yoga teachers, YouTube influencers, former Olympians, and serial entrepreneurs.

We collectively speak over twenty languages, including Akuapem, Amharic, Bengali, Ewe, Fante, Ga, Igbo, Kalenjin, Luganda, Oromo, Somali, Swahili, Wolof, Bulgarian, Croatian, Czech, Danish, Dutch, English, Estonian, Finnish, French, German, Greek, Hungarian, Irish, Italian, Latvian, Lithuanian, Maltese, Polish, Portuguese, Romanian, Slovak, Slovenian, Spanish and Swedish.

We recently joined forces with WorldRemit, another remittance company. We’re excited about the ways we can collaborate and continue to provide the best service to our users.

Ready to apply?

Applications will be reviewed on a rolling basis. If interested, please submit your resume along with a cover letter highlighting why your experience demonstrates you meet the requirements of the role. Please also indicate the countries in which you have work authorization.

Confidence can sometimes hold us back from applying for a job. But we'll let you in on a secret: there's no such thing as a 'perfect' candidate. Sendwave is a place where everyone can thrive. So however you identify and whatever background you bring with you, please apply if this is a role that would make you excited to wake up every day.

Responsibilities & tasks

Ideal candidate

Skills & qualifications

About the team

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