MLRO - Financial Crime Local HeadCountry: Spain**WHAT YOU WILL BE DOING****PagoNxt Trade is looking for a Financial Crime local head (MLRO) of PagoNxt OneTrade España **EDE SL (e-money entity of PagoNxt in Spain), **based in our Boadilla del Monte office.****WHY YOU SHOULD CONSIDER THIS OPPORTUNITY****PagoNxt **is a new company wholly owned by Santander that incorporates our most disruptive payments & trade businesses into a single, autonomous company, creating one of the largest private fintech companies in the world. This new company will deliver payment & trade solutions for merchants and consumers with compelling technology to become a leading global payments provider in the medium term.In order to achieve these goal,PagoNxt is organized in three different business:- Merchant Solutions, for merchants and acquirers.- Trade Solutions, for corporates and SMEs.- Consumer Solutions, digital products and services for individualsThis role will be part of our PagoNxt Trade Solutions team and will be responsible for delivering fast, efficient trade finance, supplying chain and FX payments solutions for international SMEs that were once only accessible to larger corporations.Santander is proud of being an organization where there are equal opportunities regardless of gender identity, culture and disability. Our mission is to contribute to help more people and business prosper. We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.**WHAT YOU WILL BE DOING**As **Financial Crime Compliance Head **, you will lead the team acting as line 2 of our regulated entity in Spain.We need someone like you to help us in different fronts:- Lead the second line of Financial Crime Compliance (FCC) of the unit,in coordination with the global FCC Head of PagoNxt Trade. Build a cohesive and proactive engagement with key 1LoD stakeholders providing considered advice and guidance to allow the business to grow and remain in compliance.- Assist and challenge the business teams to deliver policies and procedures that comply with Spanish and global regulations, as required.- Drive the implementation of change to ensure that evolving statutory and regulatory requirements are met on an ongoing basis.- Ensure that PagoNxt FCC compliance framework activity is completed to the highest standard (including mapping of key local regulations, delivery of day to day compliance advice, development and delivery of MI and relevant KPI / KRIs, and support in completion of FCC business risk assessments)and proportionate to the operations and scale/complexity of the business.- Provide in depth analysis and judgements on complex financial crime enquires and live transactional issues, providing advice and guidance to control owners on remediation and process improvements,- Influence the business on determining key metrics to measure the operational effectiveness of FCC controls and the adoption of a proactive risk based approach.- Perform check and challenge over KRI's and Risk Assessments, highlighting areas of concern and oversight of remediation plans in line with agreed target dates.- Engaging and collaborating with other Compliance teams, Legal and Risk functions in the provision of financial crime analysis and advice- Perform the reporting requests to the PagoNxt Committees in line with agreed timescales and to expected quality- Conduct ongoing Assurance on the effectiveness of the FCC control framework,utilizing available resources from the 3LoD- Be able to engage effectively when required with regulatory requests, including proactive reporting / meetings as required.- Complete an annual MLRO report for the Spanish EMI business considering lessons learned, internal and external audit reviews and horizon scanning future/emerging trends.- Develop and maintain an effective AML/Sanctions/CTF culture across the Spanish EMI business.- Ensure that all staff in scope are trained in AML/Sanctions/CTF risk prevention.- Assist and guide the Spanish EMI board on all Financial Crime Risk matters, escalating items where required with the Pagonxt board or Regulator.EXPERIENCE- Experience as MLRO or DMLRO of a regulated entity in Spain.- Experience in AML regulations,specifically related to Spain or EBA associated countries.- Experience in digital / fintech environments will be valuable.EDUCATION- Engineering, Mathematics, Economics, Business Administration, Law, Finance, or other relevant areas.SKILLS & KNOWLEDGE- Recognized Financial Crime Qualification (ACAMs, ICA or equivalent) SKILLS & KNOWLEDGE- Financial Crime Compliance expertise, specially Correspondent Relationships, Payments and PSD2 services (AISP, PISP).- Working knowledge of relevant AML, CTF and ABC regulations and how to apply.- Technology and digital solutions.- Level C2 of English.- If you want to know more about us, follow us on _#J-18808-Ljbffr
