Money Laundering Reporting Officer

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 governance bodies.

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 regulatory and law enforcement authorities.

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 the effectiveness of transaction monitoring, sanctions screening, and alert handling.

Banking Business Oversight

• Ensure AML controls are effectively implemented across the customer lifecycle, including:
  • Customer onboarding
  • Ongoing customer reviews
  • Payments and transfers
  • Lending activities
  • Digital banking services
• Identify and escalate banking-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 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 a related field.
• Minimum 5 years of professional experience in AML/CTF or Compliance, preferably within banking or financial services.
• Proven experience in a senior AML, Compliance, or MLRO role.
• In-depth knowledge of:
  • EU AML regulatory framework and local legislation
  • AML/CTF risk management methodologies
  • Banking products and related financial crime risks
• Experience working with regulators, auditors, and senior management.
• Strong analytical and decision-making skills.
• Experience with Generative AI tools (ChatGPT, Copilot, etc.).
• Excellent written and spoken English.

What we offer

Money

• Annual performance-based bonuses
• Free employee share + stock purchase plan
• Preferential pricing on Allianz products
• Additional pension
• A discount network with 50+ sites

Time

• Hybrid work model
• Extra day off every 5 years of service
• Additional day off - Allianz Family Day

Health

• Free medical insurance
• Special price for Multisport Card
• 24/7 mental health support

Career

• Career development, digital learning & international mobility.
• Opportunities across insurance, asset management & banking within Allianz Group.
• Great Place to Work & EDGE certified environment.
• Fresh fruit and free coffee in the office
• Off-site location in the mountains
• Corporate teambuildings

104097 | Legal & Compliance | Professional | Non-Executive | Allianz Bulgaria | Full-Time | Permanent