What you do:

Governance and Oversight

Act as the appointed MLRO in accordance with applicable AML legislation
Ensure the effective implementation of AML/CTF policies, procedures, and controls
Provide regular reporting to senior management and the Board

Suspicious Activity Reporting

Assess internal alerts and determine reporting obligations
Ensure timely filing of Suspicious Transaction Reports (STRs) to competent authorities
Act as the primary point of contact with the Financial Intelligence Unit

Risk Management and Controls

Lead the AML/CTF risk assessment and ensure application of a risk‑based approach
Oversee Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and customer risk rating processes
Ensure effectiveness of transaction monitoring, name screening, and alert handling

Life Insurance Business Oversight

Ensure AML controls are effectively implemented across the full product lifecycle, including:

Customer onboarding
Premium payments
Policy changes and early surrender
Claims and beneficiary payouts

Identify and escalate life insurance‑specific AML risk indicators

Monitoring and Decision-Making

Review complex cases and provide final decisions on escalated alerts
Ensure proper documentation and audit trail of decisions

Training and Culture

Ensure AML/CTF training programs are implemented and maintained
Promote awareness of AML risks across all relevant business units

Regulatory and Audit Interaction

Act as primary contact for supervisory authorities
Lead AML inspections and audits
Ensure timely and effective remediation of findings

What you bring:

University degree in Law, Finance, Economics, or related field
Minimum 5 years of professional experience in AML/CTF or Compliance, preferably within insurance or financial services
Proven experience in a senior AML or MLRO role
In-depth knowledge of:

EU AML regulatory framework and local legislation
AML/CTF risk management methodologies
Life insurance products and associated risks

Experience in working with regulators and senior management
Experience with using Generative AI (ChatGPT, Copilot etc)

What we offer:

Offer a hybrid work model balancing in-person collaboration and remote work.
Provide a comprehensive compensation and benefits package, including bonuses, pension, health insurance, employee shares, and discounts.
Support lifelong learning through career development, digital learning programs, and international mobility, fostering innovation and empowerment.
Present excellent career opportunities in insurance, asset management, and banking, with active communication across Allianz Group and key functions.

Allianz Group is one of the most trusted insurance and asset management companies in the world. Caring for our employees, their ambitions, dreams and challenges, is what makes us a unique employer. Together we can build an environment where everyone feels empowered and has the confidence to explore, to grow and to shape a better future for our customers and the world around us.

At Allianz, we stand for unity: we believe that a united world is a more prosperous world, and we are dedicated to consistently advocating for equal opportunities for all. And the foundation for this is our inclusive workplace, where people and performance both matter, and nurtures a culture grounded in integrity, fairness, inclusion and trust.

We therefore welcome applications regardless of ethnicity or cultural background, age, gender, nationality, religion, social class, disability or sexual orientation, or any other characteristics protected under applicable local laws and regulations.

Join us. Let's care for tomorrow.

1 Job im Bereich Regulatory Interaction in Bulgarien

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