Money Laundering Reporting Officer (MLRO)
About Schuman Financial
Schuman Financial is building the infrastructure layer for European stablecoin-based finance — bringing euro-denominated payments, FX, and investment management on-chain. Our core product is EURØP, a euro stablecoin issued by Salvus SAS, a French-regulated Electronic Money Institution licensed by the ACPR. EURØP is custodied by major European banks and settles across major blockchain networks.
Few French regulated entities combine EMI and digital asset activities under a single AML/CFT programme — which makes this perimeter both technically demanding and genuinely rare. The MLRO operates with direct access to senior leadership and front-line exposure to the ACPR and Tracfin.
Role and responsibilities
This is a senior, strategically positioned role with full statutory accountability for the AML/CFT programme. As MLRO, you will own the AML/CFT framework end-to-end and operate with a high degree of visibility. Internally across leadership, and externally with the ACPR and Tracfin. You will work closely with the Head of Risk & Compliance, the COO, and the product teams, at a moment when our compliance perimeter is actively evolving.
What you will do
- Act as the designated MLRO under French law, with formal statutory responsibility for the AML/CFT programme across the group’s regulated entities.
- Own and continuously improve the AML/CFT risk classification framework.
- Oversee and evolve the KYC/KYB onboarding programme.
- Supervise transaction monitoring operations
- File declarations of suspicion (DOS) with Tracfin and manage the ongoing relationship with Tracfin.
- Manage the sanctions and PEP screening programme.
- Design and deliver AML/CFT training across the organisation, tailored to role-specific exposure.
- Produce periodic AML/CFT reports for the supervisory board and senior management, and contribute to ACPR reporting and inspection readiness.
- Engage directly with the ACPR on AML/CFT matters, including questionnaires, audits, and follow-up on supervisory findings.
- Work cross-functionally with the Head of Risk and Compliance, Internal Control, COO, and product teams to embed AML controls into onboarding flows and operational processes.
Your profile
- 5 to 8 years of experience in AML/CFT compliance within a regulated EU financial institution (EMI, payment institution, bank, or crypto-asset service provider).
- Prior experience as a named MLRO or Deputy MLRO, or equivalent accountable role within a regulated entity.
- Deep expertise in the French AML/CFT framework — direct experience with Tracfin declarations is required.
- Strong command of the EU AML/CFT regulatory stack: AMLD5/6, MiCA AML provisions, and the Transfer of Funds Regulation (TFR).
- Hands-on experience designing or overseeing transaction monitoring and sanctions screening programmes, including threshold calibration and alert governance.
- Solid understanding of KYC/KYB processes for both retail and institutional clients, including EDD and ongoing monitoring.
- Experience in a digital assets or payment infrastructure context is a strong advantage.
- Full professional fluency in both French and English (written and spoken) — mandatory.
- Comfortable operating with autonomy in a fast-paced environment where the frameworks are still being built.
- High attention to detail and a structured approach to complex, multi-layered regulatory requirements.
What we offer
- CDI — France-based
- Remote-first — up to one day on-site per week
- Compensation aligned with your experience
- A senior, board-visible role with real statutory accountability — not a support function
- Direct exposure to a strategical AML/CFT perimeters in French fintech: EMI and digital assets under a single framework
Working conditions
Location
France-based — remote-first (up to one day on-site per week)
Contract
Full-time · CDI
Language
French (mandatory) · English (mandatory)
Start
As soon as possible
Environment
Scale-up · MiCA / EMI · High regulatory intensity
Schuman Financial is an equal opportunity employer. We welcome applications from candidates across France.