Money Laundering Reporting Officer (MLRO) Luma Finans AB

Om jobbet

We are seeking a highly skilled and experienced Money Laundering Reporting Officer (MLRO) to join Luma Finans AB, a regulated financial institution in Sweden providing credit products and deposit services.

The MLRO will hold a key control function within the organisation and will be responsible for ensuring that the company maintains effective measures to prevent money laundering and terrorist financing (ML/TF). The MLRO is expected to act independently, with sufficient authority, resources, and direct access to the Board of Directors and senior management.

Your mission:

Regulatory Compliance

Ensure that Luma Finans AB's operations comply with Swedish legislation, Finansinspektionen (FI) requirements, and applicable EEA and international AML/CTF regulations

Act as the primary point of contact with Finansinspektionen, the Swedish Financial Intelligence Unit (FIU), and law enforcement authorities

Oversee and ensure timely submission of Suspicious Activity Reports (SARs) and regulatory reporting

Risk Assessment and Management

• Develop, implement, and maintain a robust AML/CTF risk management framework tailored to credit and deposit products

• Identify, assess, and mitigate risks related to customer onboarding, lending, and deposit-taking activities

• Conduct regular risk assessments, monitoring to ensure effectiveness of controls.

Policy Development and Implementation

Develop, maintain, and update AML/CTF policies, procedures, and internal controls in line with regulatory expectations.

Ensure AML/CTF considerations are embedded in product development, especially lending and savings products.

Advise senior management on regulatory changes and their impact on the business.

Reporting and Analysis

Prepare and present AML/CTF reports to senior management and the Board, including risk exposure, key metrics, and regulatory developments.

Monitor transaction activity across loan portfolios and deposit accounts to detect suspicious behaviour and emerging risks.

Training and Awareness

Design and deliver AML/CTF training programs for employees across the organization.

Promote a strong compliance culture, ensuring all employees understand their obligations and reporting responsibilities.

Collaboration and Communication

Work closely with compliance, risk, legal, credit, and operations teams to ensure a coordinated approach to financial crime prevention.

Maintain active communication with European counterparts and industry peers to stay aligned with best practices and regulatory expectations.

We are looking for:

Minimum 5-7 years of AML/CTF compliance experience, preferably within a bank, credit institution, or deposit-taking institution

Proven experience managing regulatory relationships with Finansinspektionen or equivalent EU regulators

Strong knowledge of Swedish AML framework, EBA guidelines, and EU AML directives

Solid understanding of risks related to lending, consumer credit, and deposit products

Demonstrated ability to design and manage AML frameworks in regulated financial institutions

Strong analytical skills with experience in identifying suspicious patterns in transaction and customer behaviour

Excellent communication and stakeholder management skills

Ability to work independently and manage multiple priorities in a regulated environment

Fluent in Swedish and English

Bachelor's degree in Finance, Law, Business, or related field

Relevant certifications (e.g., CAMS, ICA) are highly desirable