Arbetsbeskrivning

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