CEX.IO

Money Laundering Reporting Officer, MLRO

CEX.IO

full-time

Posted on:

Location Type: Hybrid

Location: Madrid • Spain

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About the role

  • Spanish residency is a mandatory requirement for this role to fulfill statutory representative obligations to SEPBLAC.
  • Minimum 5-7 years of experience in AML/CFT/PF compliance within a regulated financial services or FinTech environment, and direct interaction with regulators.
  • Prior experience acting as MLRO or Deputy MLRO is strongly preferred.
  • International Compliance Association (ICA) / Association of Certified Anti-Money Laundering Specialists (ACAMS) qualification or equivalent.
  • Strong understanding of EU AML/CFT/PF frameworks and hands‑on familiarity with MiCA requirements for CASPs.
  • Solid knowledge of Spanish AML legislation and regulatory expectations.
  • Experience working with crypto‑asset businesses, virtual asset service providers, or financial institutions exposed to digital assets.
  • Proven experience conducting AML risk assessments and managing financial crime controls.

Requirements

  • Regulatory & Governance
  • Act as the designated MLRO for the Spanish MiCA‑authorised entity, with full accountability for AML/CFT/PF compliance.
  • Serve as the primary point of contact with Spanish competent authorities (including AML and prudential supervisors) on all financial crime matters.
  • Ensure compliance with MiCA AML‑related obligations applicable to CASPs, including governance, risk management, and internal control expectations.
  • Prepare and submit all required AML‑related regulatory filings, suspicious activity reports, and periodic reports in accordance with Spanish law.
  • Prepare and present the annual AML/CTF/PF report to the Board of Directors, including risk assessments, control effectiveness, incidents, and remediation plans.
  • Monitor regulatory developments under MiCA, ESMAs guidance, AMLA guidance, and Spanish AML updates, ensuring timely implementation.
  • Advise senior management and the Board on AML/CFT/PF risks, regulatory developments, and supervisory expectations.
  • AML/CFT Framework & Risk Management
  • Design, implement, and maintain a robust AML/CFT/PF framework.
  • Develop and maintain the enterprise‑wide and Spain‑specific AML/CFT/PF risk assessment, ensuring alignment with MiCA risk‑based requirements.
  • Ensure appropriate risk classification of customers, products, delivery channels, and geographies.
  • Identify emerging financial crime risks related to crypto‑assets, DeFi exposure, cross‑border activity, and new product launches.
  • Operational Oversight
  • Oversee and advise on day‑to‑day AML operations, including quality assurance of onboarding, alerts, investigations, and reporting.
  • Ensure AML systems, transaction monitoring tools, and blockchain analytics solutions are appropriately calibrated and effective.
  • Review and approve high‑risk customer cases, escalations, and complex investigations.
  • Ensure timely and accurate filing of suspicious transaction/activity reports with SEPBLAC in Spain.
  • Coordinate with group‑level compliance, risk, and product teams to ensure consistency while maintaining local regulatory ownership.
  • Policies, Procedures & Training
  • Draft, maintain, and continuously update AML/CFT/PF policies, procedures, and controls in line with MiCA, Spanish AML law, and EU guidance.
  • Ensure policies are embedded operationally and reflect actual business practices.
  • Ensure AML/CTF/PF trainings are aligned and contain local-specific requirements, including tailored training for senior management and high‑risk functions.
  • Support regulatory audits, inspections, and information requests.
  • Risk Remediation & Continuous Improvement
  • Identify control gaps, weaknesses, or regulatory findings and design remediation plans.
  • Track remediation actions to completion and report progress to senior management and the Board.
  • Protect and enhance the reputation of CEX.IO Europe through a strong compliance culture and proactive regulatory engagement.
Benefits
  • Spanish residency is a mandatory requirement for this role to fulfill statutory representative obligations to SEPBLAC.
  • Minimum 5-7 years of experience in AML/CFT/PF compliance within a regulated financial services or FinTech environment, and direct interaction with regulators.
  • Prior experience acting as MLRO or Deputy MLRO is strongly preferred.
  • International Compliance Association (ICA) / Association of Certified Anti-Money Laundering Specialists (ACAMS) qualification or equivalent.
  • Strong understanding of EU AML/CFT/PF frameworks and hands‑on familiarity with MiCA requirements for CASPs.
  • Solid knowledge of Spanish AML legislation and regulatory expectations.
  • Experience working with crypto‑asset businesses, virtual asset service providers, or financial institutions exposed to digital assets.
  • Proven experience conducting AML risk assessments and managing financial crime controls.
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
AML complianceCFT compliancePF complianceAML risk assessmentsfinancial crime controlstransaction monitoringblockchain analyticsrisk managementregulatory filingssuspicious activity reports
Soft Skills
communicationleadershiporganizational skillsadvisory skillsanalytical skillsproblem-solvingattention to detailstakeholder managementtraining and developmentreporting
Certifications
International Compliance Association (ICA)Association of Certified Anti-Money Laundering Specialists (ACAMS)