Anti-Money Laundering Reporting Officer (MLRO)

Key Responsibilities:

• Develop and implement a comprehensive AML/CFT compliance framework aligned with QCB requirements and global best practices.
• Act as the principal liaison with the QCB’s Financial Intelligence Unit (FIU),submitting Suspicious Transaction Reports (STRs) and responding to regulatory inquiries.
• Conduct ongoing risk assessments of Joud’s customers, products, and services to identify potential areas of money laundering and terrorism financing risk.
• Oversee the setup and continuous improvement of transaction monitoring systems tailored to BNPL user behavior and merchant activity.
• Investigate alerts and suspicious patterns arising from KYC, onboarding, repayment cycles, and transactional data.
• Maintain detailed records of AML investigations, audit trails, and STR filings.
• Ensure all onboarding, customer due diligence (CDD), and enhanced due diligence (EDD) processes are aligned with QCB guidelines.
• Train employees across departments on AML/CFT requirements, red flags, reporting procedures, and regulatory obligations.
• Collaborate with the Head of Compliance, risk, and tech teams to maintain and evolve AML-related controls and automation tools.
• Monitor regulatory updates from QCB and other authorities and ensure the company’s AML policies and procedures are updated accordingly.
• Coordinate periodic internal audits, regulatory inspections, and third-party AML reviews to test control effectiveness.
• Prepare and present AML/CFT status reports to senior management and the Board of Directors as needed.

Required Qualifications:

• Bachelor’s degree in Law, Finance, Business, Criminology, or related field.
• Certified Anti-Money Laundering Specialist (CAMS) or equivalent certification is strongly preferred.
• Minimum 5–7 years of experience in AML/CFT compliance, with at least 2 years in a leadership or reporting role.
• Prior experience in fintech, payments, lending, or digital banking is highly desirable.
• Strong working knowledge of QCB AML/CFT regulations and the FATF recommendations.
• Hands-on experience with AML software, transaction monitoring platforms, and reporting systems.
• Familiarity with digital customer behavior and fraud typologies in BNPL or online finance is a plus.

Job Types: Full-time, Permanent

Application Question(s):

• Do you hold a Bachelor’s degree in Law, Finance, Business, Criminology, or a related field?

Experience:

• AML/CFT compliance: 7 years (Preferred)

Language:

• English (Preferred)

License/Certification:

• CAMS or equivalent AML (Preferred)
• QID (Preferred)