Head of AML Department (MLRO) ( Fixed Term Contract - Maternity Cover)

About Us

At EveryPay, we are on a mission to build the digital financial infrastructure that underpins e-commerce in Greece, empowering Marketplaces, and Merchants to thrive.

We are a team of enthusiastic young people, driven by our values to Empower Customers, work as a Team Together, Manage Risk and Get Stuff Done.

We are proud to have built the payments layer connecting most Greek Marketplaces and Merchants with world-class schemes like Visa and MasterCard. We service most Greek Marketplaces, including Greece’s largest and most successful marketplace: Skroutz. Our systems connect to thousands of banks, in Greece and abroad. Our tech processes tens of thousands of transactions every day – that’s €billions worth of e-commerce. If you have bought something online in Greece, chances are you have already used our payments product.

EveryPay is fully owned by the Skroutz Group of companies and both a Tech Company and a Regulated Financial Services Institution. Therefore, you will be exposed to the world of the Tech Payments Sector and that of Financial Services.

EveryPay is looking for a Head of MLRO.

Key Responsibilities:

As the Head of MLRO, you will:

• Provide regulatory compliance advice to management, business owners, and stakeholders regarding daily operational and regulatory requirements.
• Continuously map and monitor the legal and regulatory framework (e.g. PSD II) and participate in the development of regulatory compliance roadmaps.
• Execute ad-hoc compliance and AML audits to ensure internal processes and policies are applied, identify control gaps, and find process improvement opportunities.
• Analyze non-compliance findings and prepare reports for the Compliance Director and regulatory bodies, indicating trends and proposing improvement actions.
• Prepare regulatory reports for submission to authorities (e.g. annual compliance report, annual AML/CFT report).
• Participate in transaction monitoring daily and in the Customer Due Diligence Process.
• Engage in the sanction screening process through FinTech Solutions Inc’s screening system.
• Optimize the client risk assessment system.
• Liaise with internal functions, monitor legislation, and draft or review policies and procedures to ensure compliance with regulatory requirements.
• Develop the Business Risk Assessment (BRA) according to EBA guidelines and local regulatory requirements.
• Support the design, implementation, maintenance, and continuous improvement of the compliance, AML/CTF, and risk permanent control framework.
• Manage complaints and whistleblowing reports.
• Assist the team in responding to requests from competent authorities (e.g., FIU, Police Departments, prosecutor’s office, etc.).
• Ensure a smooth onboarding experience for FinTech Solutions Inc customers, meeting Anti-Money Laundering requirements and providing clarifications to the operation and KYC teams for the management of non-compliance cases.
• Design and execute training for all stakeholders on AML regulations and customer-centric onboarding practices to increase compliance levels.
• Respond to ad-hoc assignments related to the job and your personal skills and capabilities.

What you need to succeed:

• BSc preferably in Law, Banking, Economics, Business Administration, Audit, or a related field.
• 9+ years of relevant professional experience in regulatory compliance, AML, risk, or audit functions, with at least 4 years in a senior position. Experience in payments and fintech companies is an asset.
• In-depth knowledge of financial services regulations, particularly payment regulations & supervision (e.g. PSD2, EBA guidelines, acquiring & issuing business, AML directives).
• Professional qualifications relevant to the role (e.g. CAMS, CFE) will be considered an asset.
• Hands-on experience in AML/CTF operations and a thorough understanding of AML standards and AML/CTF system functionalities.
• Knowledge of anti-fraud systems and sanction screening systems (e.g., Refinitiv) is a strong plus.
• Good knowledge of payment products and services.
• Knowledge of data analytics methodologies/platforms (e.g., Power BI, ACL, Salesforce) is an asset.
• Knowledge of project management systems (e.g., ASANA) and OKR is an asset.
• Excellent organizational skills and the ability to manage multiple tasks and prioritize effectively.
• Effective communication and critical thinking skills.
• Tenacity and strong ethical standards.
• Proficiency in MS Office.
• Excellent command of the English language (both written and spoken).

What's it like to work at EveryPay?

• Competitive full-time salary 💸
• Private Family Medical Plan 🏥
• Monthly meal allowance 🍽️
• Learning and development programs and access to relevant resources 📚
• A flexible hybrid model of work
• Free Skroutz Plus subscription ➕
• Free wellness subscription 🏋️‍♀️
• Being part of an environment that gives employees large goals, autonomy, and mentoring, creating incredible opportunities, both for you and the company! 🪴

Disclaimer:

EveryPay collects and processes personal data in accordance with the EU General Data Protection Regulation (GDPR). We are bound to use the information provided within your job application for recruitment purposes only and not to share these with any unauthorized third parties. Please read our Recruitment Privacy Policy below.

Recruitment Privacy Policy

The Company EVERYPAY PAYMENT SERVICES SINGLE MEMBER SOCIETE ANONYME (hereinafter referred to as "EVERYPAY") collects CVs and personal data in order to evaluate and select suitable candidates for potential employment.

In accordance with Regulation (EU) 2016/679 on the protection of personal data, EVERYPAY provides you with the following information regarding the collection and processing of your personal data.

1. Data Collection

The personal data we collect is voluntarily submitted to EVERYPAY by you and includes the information contained in your CV and any accompanying documents. This data may include: full name, contact phone number, e-mail address, educational and professional background, etc.

2. Purpose

The data is processed solely for the purpose of evaluating your qualifications for potential employment within EVERYPAY.

3. Legal Basis

The legal basis for processing your personal data is your consent, which is provided upon submission of your CV.

4. Data Recipients and Transfers

Your personal data will only be accessed by authorized personnel of EVERYPAY involved in the recruitment process. It will not be transferred to any third party or to any country outside the European Economic Area (EEA).

5. Data Retention

In case you do not enter into an employment relationship with EVERYPAY, your personal data will be deleted permanently from our records, unless you have provided your consent to retain your CV for future opportunities. In that case, your data will be securely stored for up to two (2) years from the date of our last contact. EVERYPAY ensures that only authorized personnel have access to this data and that appropriate technical and organizational measures are in place to safeguard confidentiality and integrity.

6. Your Rights

You have the right to:

· Withdraw your consent at any time (without affecting the lawfulness of processing carried out before withdrawal)

· Request access to your personal data

· Request rectification or erasure of your data

· Restrict or object to the processing of your data

· Request data portability

· Lodge a complaint with the Hellenic Data Protection Authority (www.dpa.gr)

To exercise these rights, you can contact us here: dpo@everypay.gr or at the address: 25-29 Karneadou, 10675 Athens, for the attention of: Data Protection Officer.

CONSENT FOR THE PROCESSING OF PERSONAL DATA
By submitting your CV, you explicitly consent to the collection and processing of your personal data as described [above]. You may revoke this consent at any time, by contacting us at: dpo@everypay.gr.