Senior Compliance Officer — EU / MiCA

About the role

This role focuses on ensuring EMCD's EU operations comply with financial regulations, specifically MiCA, AML/CFT, and the Travel Rule. The Senior Compliance Officer will be responsible for preparing and maintaining documentation for CASP authorization and MiCA licensing. This involves developing and updating internal policies and controls across various areas such as KYC/KYB, sanctions screening, transaction monitoring, and safeguarding client assets.

A key part of the work involves conducting compliance reviews for new products, customer journeys, and crypto transaction flows before launch. The officer will assess regulatory risks associated with new services, jurisdictions, and operational models, and support high-risk client processes. Collaboration with regulators, external advisors, and banking partners is also essential, alongside preparing compliance reports for senior management.

Success in this position means effectively monitoring EU regulatory developments and assessing their impact on EMCD's business model. The role offers direct exposure to strategic decision-making and the opportunity to contribute to MiCA licensing and EU market expansion from the ground up, working with a globally distributed team and flexible hours.

The annual salary for this role ranges from $115,000 to $189,750 USD, with flexible payout options including crypto or fiat.

Skills that matter here

• MiCA: This role requires practical understanding of MiCA requirements for Crypto-Asset Service Providers (CASPs) and participation in licensing documentation.
• AML/CFT: The officer will ensure ongoing compliance with EU AML/CFT frameworks and develop related internal policies and controls.
• Travel Rule: Responsibilities include understanding and overseeing compliance with the EU Travel Rule Regulation 2023/1113, including data accuracy and remediation procedures.
• KYC/KYB: The role involves developing and maintaining internal policies and procedures for Know Your Customer and Know Your Business processes.
• Transaction monitoring: This position requires strong knowledge and development of policies for transaction monitoring and Know Your Transaction (KYT) activities.
• Risk assessments: The officer will assess regulatory risks for new services and operational models, and have hands-on experience in developing risk assessments.

Who this role suits

• You have at least three years of experience in compliance, AML, or financial crime, specifically within crypto, fintech, or banking.
• You possess a strong understanding of EU regulatory frameworks and can analyze product and operational processes from a regulatory risk perspective.
• You are adept at developing and updating compliance policies, procedures, and internal controls.
• You can work cross-functionally and prepare documentation for licensing, audits, and supervisory requests.

From the employer

Responsibilities

• Ensure ongoing compliance of the company's EU operations with MiCA, AML/CFT, Travel Rule and applicable financial regulations.
• Participate in preparation, maintenance and updates of documentation for CASP authorisation / MiCA licensing.
• Develop and maintain internal policies, procedures and controls across:
• AML/CFT
• KYC/KYB
• Sanctions screening
• Transaction monitoring / KYT
• Travel Rule
• Safeguarding of client assets
• Conflicts of interest
• Complaints handling
• Outsourcing / third-party risk
• ICT and operational resilience.
• Conduct compliance reviews of new products, customer journeys, payment channels and crypto transaction flows prior to launch.
• Assess regulatory risks related to new services, jurisdictions, client segments and operational models.
• Support onboarding, EDD, transaction reviews and escalation processes for high-risk clients and activities.
• Oversee Travel Rule compliance, including:
• Accuracy of originator / beneficiary data
• Remediation procedures
• Interaction with counterparty CASPs
• Collaborate with regulators, external advisors, auditors and banking / payment partners.
• Prepare compliance reports, risk assessments, internal memos and materials for senior management / Board.
• Monitor EU regulatory developments and assess their impact on the company's business model.

Requirements

• 3+ years of experience in compliance, AML, regulatory compliance or financial crime.
• Experience in crypto, fintech, payments, e-money, brokerage, trading or banking.
• Practical understanding of MiCA requirements for CASPs.
• Strong knowledge of:
• EU AML/CFT framework
• Risk-based approach
• KYC/KYB
• Sanctions, PEP/adverse media
• Transaction monitoring and EDD.
• Understanding of EU Travel Rule Regulation 2023/1113 and CASP data exchange logic.
• Hands-on experience in developing or updating:
• Compliance policies and procedures
• Risk assessments
• Internal controls.
• Ability to analyze product and operational processes from a regulatory risk perspective.
• Experience preparing documentation for licensing, audits, regulatory inspections or supervisory requests.
• Professional level of English.
• Ability to work cross-functionally with compliance, legal, product, operations, finance and senior management.

What we offer

• Fully remote work with a globally distributed team.
• Competitive compensation with flexible payout options (crypto and/or fiat).
• 20 working days of paid vacation + 12 bonus days during the year.
• Fully paid sick leave.
• Flexible working hours aligned with international teams.
• Opportunity to work on MiCA licensing and EU market expansion from the ground up.
• Direct exposure to senior management and strategic decision-making.
• Access to internal knowledge-sharing sessions and continuous learning environment.