paytm - Head of Financial Crime & MLRO Paytm Europe

Luxembourg1mo ago

In Office Director EMEA Fintech Payments Head of Finance Customer Onboarding Reporting Regulatory Compliance Due Diligence Case Management Governance

Requirements

• Experience acting as MLRO or Deputy MLRO within a regulated financial institution. • Deep knowledge of AML/CFT, sanctions, fraud prevention and financial crime regulation. • Experience engaging with financial regulators and law enforcement authorities. • Strong understanding of merchant acquiring, payments or fintech business models. • Proven ability to lead and develop high-performing teams. • Highly Desirable • Experience supporting the launch of a regulated financial institution. • Knowledge of Luxembourg, CSSF and broader European regulatory requirements. • Experience implementing transaction monitoring and financial crime technology solutions. • Professional qualifications in AML, financial crime or compliance. • Personal Attributes • Commercially minded, highly ethical and intellectually curious. Able to balance robust regulatory compliance with commercial pragmatism. An excellent communicator capable of influencing senior stakeholders, regulators and cross-functional teams, while remaining calm and decisive under pressure. • Measures of Success (First 12 Months) • Successfully establish Paytm Europe's financial crime framework ahead of commercial launch. • Support regulatory authorisation and readiness for CSSF supervision. • Implement scalable onboarding, screening and transaction monitoring capabilities. • Recruit and develop a high-performing Financial Crime team. • Establish constructive and trusted relationships with the CSSF and other relevant authorities. • Create a financial crime function recognised as enabling safe and sustainable business growth. • Highly Desirable • Personal Attributes

Responsibilities

• Build the Financial Crime Framework • Design and implement Paytm Europe's AML/CFT/CPF framework, policies and procedures. • Establish a risk-based control environment aligned with CSSF, EU and international regulatory expectations. • Ensure the framework scales effectively as the business expands across Europe. • Serve as the designated Money Laundering Reporting Officer. • Maintain effective relationships with the CSSF, Financial Intelligence Units and other competent authorities. • Oversee suspicious activity investigations and reporting. • Customer & Merchant Due Diligence • Oversee customer and merchant onboarding, KYC/KYB, enhanced due diligence and ongoing monitoring. • Ensure robust sanctions, PEP and adverse media screening processes are implemented and continuously enhanced. • Transaction Monitoring & Financial Crime Operations • Lead the design and optimisation of transaction monitoring, financial crime investigations and case management. • Leverage technology, data analytics and AI to improve effectiveness while reducing unnecessary operational burden. • Product & Business Partnership • Work closely with Product, Technology, Operations and Commercial teams to embed compliance by design. • Provide pragmatic, risk-based guidance that supports innovation and sustainable growth. • Leadership & Governance • Build and lead a high-performing Financial Crime team. • Provide regular reporting to Executive Management and the Board on financial crime risks, trends and regulatory developments. • Ideal Background • Ideal Background

Benefits

• Financial crime prevention sits at the heart of Paytm Europe's licence, reputation and long-term success. The Head of Financial Crime & MLRO will be instrumental in building a culture where robust governance, intelligent risk management and commercial ambition work hand in hand, helping establish Paytm Europe as one of Europe's leading regulated payments businesses.