EU Money Laundering Reporting Officer (MLRO)

Who We Are

Cross River builds the infrastructure behind the world’s most innovative financial products. Our technology and capital solutions power payments, cards, lending, and digital asset capabilities that move money safely, instantly, and inclusively — trusted by leading fintechs, enterprises, and disruptors across the globe.

Our mission is simple: to build the financial infrastructure that expands access and opportunity for all. Guided by a culture of collaboration, curiosity, and purpose, Cross River has been named one of American Banker’s Best Places to Work in Fintech year after year. Whether you’re designing code, solving regulatory puzzles, or developing strategy, you’ll join a team where innovation and integrity drive everything we do — and where your work helps shape the future of finance.

What We're Looking For

This position is an NCA-designated MLRO for our entity based in EU. The person in this role will be responsible for AML/CTF program across 27 EEA passporting jurisdictions, STR filings, transaction monitoring, and financial crime risk management.

Responsibilities:

Serve as designated MLRO for EU entity under local AML law

Own EU AML/CTF compliance program across all EEA passported states

File Suspicious Transaction Reports (STRs) to local FIU

Oversee transaction monitoring, sanctions screening (EU/OFAC), PEP screening

Coordinate with IDT EU EMI on cross-border AML framework

Implement 6th Anti-Money Laundering Directive (6AMLD) requirements

Customer risk assessment (KYB/KYCC) for EU fintech clients

Beneficial ownership verification (UBO registers)

AML training for EU staff

Interface with NCA (CBI/DNB) on AML supervisory matters

Annual AML risk assessment for multiple jurisdictions

EU sanctions compliance (EU Regulations, national implementations)

Cross-border STR coordination within EEA

Qualifications:

8+ years of EU AML/financial crime experience

CAMS, ICA Diploma, or equivalent EU certification required

Prior MLRO or Deputy MLRO experience (EMI, PI, or bank)

Deep knowledge of 5AMLD/6AMLD and national implementations

STR filing experience (Ireland: goAML system; NL: FIU-NL portal)

Multi-jurisdiction AML experience (EEA passporting context)

Understanding of SEPA-related money laundering risks

EU sanctions expertise (EU CFSP, national lists)

Payments/fintech/EMI background

Experience with NCA inspections (CBI, DNB, or equivalent)

Multilingual preferred (English + local language)

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Salary Range: €85,000.00 - €115,000.00

Cross River is an Equal Opportunity Employer. Cross River does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.

By submitting your application, you give Cross River permission to email, call, or text you using the contact details provided. We will only contact you with job related information.