DMLRO DIFC

Hybrid working: up to 2 remote working days weekly.

We are looking for an experienced Deputy Money Laundering Reporting Officer (“DMLRO“) who will report to and provide support for the MLRO UAE in all financial crime and regulatory reporting-related activities.

Our mission

3S Money is reinventing international business banking. Founded in 2018, our mission is to help growing businesses send, receive and exchange money in over 190 countries. With offices in five countries and over 200 employees, you’ll be joining a high-energy, high-impact team that’s achieved profitability and has a wealth of opportunity ahead.

Our culture

At 3S Money, we believe in caring personally, staying curious and making an impact through collaboration not competition. Our culture is genuinely transparent with minimal hierarchy and a commitment to each employee’s professional growth.

What you’ll be doing

• Demonstrating your knowledge of the fundamentals of regulations applicable to DIFC EMIs and navigating DFSA and DIFC Rules.
• Overseeing compliance with DFSA regulations, managing AML/CTF frameworks, and implementing ongoing compliance monitoring through the Compliance Monitoring Plan; working closely with the MLRO to track all changes to these and spreading a culture of compliance across the business with training & support
• Reviewing, investigating, and reporting suspicious activity; taking ownership of SAR requirements and client exit processes; using the GoAML platform for reporting these.
• Addressing Law Enforcement Requests.
• Monitoring UAE, EU, UK, and US sanctions regime changes; working confidently with senior management to provide up-to-date information for risk management and sanctions compliance and conducting assessments to measure potential risk impacts to 3S Money.
• Undertaking special projects as needed or supporting the financial crime operations team on targeted risk issue remediation; taking ownership of specific tasks delegated by the MLRO or senior management.
• Reviewing compliance onboarding practices and documentation, liaising with the business as required, and recommending improvements.
• Providing monthly and ad-hoc reports to management.
• Communicating compliance and risk management requirements to internal and external clients; addressing queries and concerns and assisting with the delivery of first and second line of defence training through classroom sessions, workshops, or informal Q&A sessions.
• Acting as the point of contact for authorities in matters pertaining to Financial Crime in the absence of the MLRO.

About you, you have

• Relevant professional qualifications from an internationally recognised body (e.g., ICA, ACAMS); a relevant bachelor's degree is advantageous.
• Demonstrable experience within the financial industry with PSP/EMI/Fintech experience being a strong preference.
• Have intimate and thorough knowledge of the DFSA regulatory environment, key financial crime regimes, including international sanctions regimes with an interest for sharing these through training and support of other business units.
• Are a fast and strategic thinker, resourceful and deliver on time; with the ability to work independently as a leader in the Regulatory Compliance team.
• Strong experience with record-keeping and decision-making.
• Great written & verbal communication skills to share your knowledge across the business at all levels.

In return for your hard work:

💰 Competitive Salary + plus stock options (after 12 months) & benefits

💻 Hybrid working setup in our wonderful city-centre office

📚 We foster non-BAU projects in our team, we want you to explore new avenues and expand your expertise to benefit your professional pathway & our teams.

➕ And much, much more….

Our commitment to you

We are an equal opportunities employer.

We make recruiting decisions based on your experience, skills and personality. Our passion and focus will always be to work with the best people. We’re creating services for everyone, so it’s imperative we work with everyone. Our diverse team has been the foundations to our success in building more efficient products, making better decisions and establishing an all-inclusive place to work. Applicants of all backgrounds are hugely encouraged to apply and discover the 3S way.