DMLRO, SE

Job description

Who We Are At Trustly, we are building a smarter, faster, and more secure financial future by revolutionising the world of payments. As a global leader in Open Banking Payments, we are establishing Pay by Bank as the new standard at checkout, giving millions of consumers and merchants worldwide unparalleled freedom, speed, and ease. Our ambition is to build the world's most disruptive payment network and redefine what the payment experience should feel like. Trustly is a global team of innovators, collaborators, and doers. If you are driven by a strong sense of purpose and thrive in a dynamic, entrepreneurial, high-growth environment, join us and be part of a team that is transforming the way the world pays. About the Role Trustly is looking for a passionate and experienced compliance leader to join our Financial Crimes Prevention team as Swedish Deputy MLRO. Reporting to the Global MLRO, with a dotted reporting line to the EU Deputy MLRO, you will take ownership of our Anti-Money Laundering (AML) programme in Sweden, from strategic oversight to hands-on execution. You will be appointed as Trustly's central function responsible (centralt funktionsansvarig) for its Swedish-regulated payment institution under 6 kap. 2 § of the Swedish Act (2017:630) on measures against money laundering and terrorist financing and Finansinspektionen's regulations (FFFS 2017:11), with direct reporting to the board of directors and managing director in that capacity. You will be the company's subject matter expert on AML, sanctions, and Know Your Customer / Know Your Business (KYC/B) matters in Sweden, advising business and product teams, engaging directly with Finansinspektionen and the Swedish Financial Intelligence Unit (Finanspolisen), and building a scalable and robust compliance framework that keeps pace with both a fast-changing regulatory landscape and a fast-growing business. What You'll Do 1. As central function responsible, provide independent oversight and challenge of Trustly's AML programme across Swedish operations, monitoring and continuously controlling the company's compliance with the Swedish Act (2017:630) on measures against money laundering and terrorist financing, FFFS 2017:11, and the company's routines and guidelines, in accordance with 6 kap. 2 § of the Act (Lag (2017:630) om åtgärder mot penningtvätt - riksdagen.se http://riksdagen.se, https://www.riksdagen.se/sv/dokument-och-lagar/dokument/svensk-forfattningssamling/lag-2017630-om-atgarder-mot-penningtvatt-och_sfs-2017-630/ https://www.riksdagen.se/sv/dokument-och-lagar/dokument/svensk-forfattningssamling/lag-2017630-om-atgarder-mot-penningtvatt-och_sfs-2017-630/). 2. Under the supervision of the Global MLRO, serve as the subject matter expert on AML, EU sanctions, and KYC/B matters in Sweden, guiding business and product teams on compliance requirements for new products and markets. 3. Provide advice and support to the company's employees, contractors, and other persons participating in the business on rules concerning money laundering and terrorist financing, as part of your duties as central function responsible under FFFS 2017:11 (FFFS 2017:11 - lagen.nu http://lagen.nu, https://lagen.nu/fffs/2017:11 https://lagen.nu/fffs/2017:11). 4. Perform the central function responsible role independently of the functions and areas you monitor and control, and report regularly and directly to the board of directors and the managing director on the company's compliance with AML/CTF requirements, deficiencies identified and remedial measures, as required under FFFS 2017:11 (FFFS 2017:11 - lagen.nu http://lagen.nu, https://lagen.nu/fffs/2017:11). 5. Enhance, localise, and manage effective AML, sanctions, and KYC/B compliance programmes aligned with Trustly's overall Financial Crime Programme and risk profile, including policies and standards on KYC/B, transaction monitoring, suspicious activity reporting, and sanctions screening for Sweden. 6. Develop a thorough understanding of Trustly's businesses, risks, and processes with respect to AML and sanctions compliance. 7. Support the general risk assessment and provide subject matter expert input into new business initiative risk assessments. 8. Act as primary liaison with Finansinspektionen, Finanspolisen, auditors, and partners for AML programme inquiries in Sweden, and work collaboratively with the Financial Crimes Prevention team to prepare and manage regulatory examinations and third-party audits and to ensure timely and accurate responses. 9. Collaborate with the Assurance Manager as they execute the compliance testing plan to assess the effectiveness of AML programme controls. 10. Deliver insights and communication on the state of the AML programme to the Global MLRO and, through the dotted reporting line, the EU Deputy MLRO, and coordinate your board reporting as central function responsible with their reporting to senior leadership and board-level committees. 11.