Deputy MLRO - UAE

职位描述

Position Summary

Mepay is seeking a highly diligent and experienced Deputy Money Laundering Reporting Officer (DMLRO) to support the Money Laundering Reporting Officer (MLRO) in maintaining a robust AML/CFT framework. As a Category 3C license holder in the ADGM, Mepay operates within a sophisticated regulatory environment. The successful candidate will play a critical role in ensuring that Mepay’s money services remain compliant with the ADGM Federal AML/CFT Laws and the FSRA Anti-Money Laundering and Sanctions Rules (AML Rulebook).

Key Responsibilities

- Regulatory Reporting: Act as the primary support for all mandatory regulatory reporting to the Financial Services Regulatory Authority (FSRA) and the Financial Intelligence Unit (FIU).

- Transaction Monitoring & Screening: Oversee the daily review of suspended transactions from Pay-In/Payout services and conduct secondary reviews of potential sanctions matches (Confirmed and Partial Name Matches).

- STR/SAR Filings: Assist the MLRO in the end-to-end process of identifying, investigating, and filing Suspicious Transaction Reports (STRs) via the goAML portal.

- Compliance Audits: Support internal and external AML audits and the annual Client Money/Relevant Money audit process.

- Policy Maintenance: Assist in the periodic review and updating of the AML/CFT Policy to reflect changes in ADGM legislation or FATF standards.

- Merchant Oversight: Collaborate with the Risk Team to monitor high-risk merchants and sub-merchants, ensuring that any suspicious activity is addressed in line with the Visa Integrity Risk Program (VIRP) and Mastercard BRAM standards.

任职要求

Qualifications & Experience

- Education: Bachelor’s degree in Law, Finance, Business Administration, or a related field.

- Mandatory Experience: Minimum of 3–5 years of compliance experience within the UAE, with direct experience handling regulatory reporting with the ADGM FSRA.

- AML Certification: A professional certification, such as CAMS (Certified Anti-Money Laundering Specialist) or ICA Diploma in AML, is highly preferred and considered an added advantage.

- Sector Expertise: Previous experience working within a Money Services Business (MSB), Payment Facilitator (PayFac), or Fintech environment is essential.

- Regulatory Knowledge: Deep understanding of the ADGM COBS Rulebook (specifically Chapter 14 regarding Relevant Money) and the FSRA AML Rulebook.

Required Skills

- Analytical Rigour: Ability to analyse complex payment flows and identify patterns indicative of transaction laundering or financial crime.

- Technical Proficiency: Familiarity with AI-driven risk management tools (e.g., EverC) and automated transaction screening systems.

- Communication: Strong professional English writing skills for drafting internal investigation reports and regulatory disclosures.

- Integrity: Unquestionable ethical standards and the ability to maintain confidentiality when handling sensitive data.