Company overview
BALFIN Group is one of the most successful investment groups in the Western Balkans. Established in 1993, the Group today operates across Austria, Albania, Kosovo, Bosnia and Herzegovina, Croatia, North Macedonia, Switzerland, Montenegro, the Netherlands, Canada, and the United States of America.
Its diversified portfolio spans multiple sectors, including banking, real estate development, wholesale and retail, asset management, tourism, logistics, education, and entertainment.
With a workforce of approximately 5,500 professionals, BALFIN Group continues to grow steadily, guided by strong business ethics, financial stability, innovation, and a long-term commitment to community impact through Mane Foundation.
Happy Pay Sha is BALFIN Group’s fintech platform, offering regulated digital financial services in Albania. Established in 2020, Happy has evolved beyond loyalty programs to offer integrated electronic payment processing, digital wallet services, Buy Now Pay Later (BNPL) credit solutions, and the issuance of electronic money. Serving both individuals and businesses, its mobile app and integrated POS/kiosk systems support, secure and flexible payment solutions - creating a full digital transaction ecosystem. Licensed under Albanian financial regulations, Happy Pay will uphold high standards of security, compliance, and user experience and lead Albania’s digital finance transformation with innovation and smart commerce solutions.
Position: Compliance & AML Officer
Reports to: Compliance & AML Manager
Supervises: N/A
Company: Happy Pay sha
Overview:
Ensuring implementation of AML/CTF rules in the company and analyses customer’s ML risk.
Main Duties and Responsibilities:
- Monitors on daily basis the correspondence with the General Directorate for Prevention of Money Laundering, and prepares the related correspondence;
- Provides the staff with clarification to the issues concerning the application of KYC rules and AML/CFT procedures. Provides opinions upon request from Payment Agents, on specific transaction(s).
- Provides opinions upon request from business lines related to manual screening of individuals/entities/ against black lists of terrorism, proliferation, embargos and/or other sanctions;
- Conducts permanent controls, as assigned and submits them within the defined deadline; The reports include, but not limited to: Prepaid loans, P2P transfer activity, Visa/MC Funds transactions, Screening and Monitoring system activity, quality and quantity of the alerts processed and other reports that might be implemented eventually as per company approved permanent controls and will be assigned to this position;
- Prepares and report the information requested by the local/ international financial institutions (Correspondent Banks), Bank of Albania, General Directorate for Prevention of Money Laundering, General Prosecutor Office, etc.
- Prepares, reports to the Responsible Authority, regarding: information requested by the Responsible Authority on the customer; RTV (Cash transactions daily report, for amounts equal or over LEK 1MIO); suspicious transactions
- Conducts daily monitoring and controls on customers' transactions, especially those of large amounts, international fund transfers, foreign exchange transactions, and prematurely closed loans.
- Timely and valid provision of the necessary data for the compilation of regular and extraordinary reports and data that the Department is obligated to submit.
- Proposes to Compliance Manager suspicious activity reports for transactions or clients identified from the daily monitoring and analysis.
- Involvement in Projects of the Compliance Department, when required;
- Seeing to archive keeping and the company's and the customers' data security in the documents obtained.
- Operates to the very highest levels of integrity at all times;
- Performs other related duties as needed and/or as assigned by the supervisor.
Competencies & Requirements:
- Good analytical and investigation skills
- Ability to work under pressure and multitask in a fast-paced environment
- Ethical behavior
- Good verbal and written communication skills
- University degree, preferably economic science or juridical science
- Computer literacy
- English proficiency
- AML/CFT & KYC area
- Enquires and Sanctions List area
- 1-3 years of banking experience
Company overview
BALFIN Group is one of the most successful investment groups in the Western Balkans. Established in 1993, the Group today operates across Austria, Albania, Kosovo, Bosnia and Herzegovina, Croatia, North Macedonia, Switzerland, Montenegro, the Netherlands, Canada, and the United States of America.
Its diversified portfolio spans multiple sectors, including banking, real estate development, wholesale and retail, asset management, tourism, logistics, education, and entertainment.
With a workforce of approximately 5,500 professionals, BALFIN Group continues to grow steadily, guided by strong business ethics, financial stability, innovation, and a long-term commitment to community impact through Mane Foundation.
Happy Pay Sha is BALFIN Group’s fintech platform, offering regulated digital financial services in Albania. Established in 2020, Happy has evolved beyond loyalty programs to offer integrated electronic payment processing, digital wallet services, Buy Now Pay Later (BNPL) credit solutions, and the issuance of electronic money. Serving both individuals and businesses, its mobile app and integrated POS/kiosk systems support, secure and flexible payment solutions - creating a full digital transaction ecosystem. Licensed under Albanian financial regulations, Happy Pay will uphold high standards of security, compliance, and user experience and lead Albania’s digital finance transformation with innovation and smart commerce solutions.
Position: Compliance & AML Officer
Reports to: Compliance & AML Manager
Supervises: N/A
Company: Happy Pay sha
Overview:
Ensuring implementation of AML/CTF rules in the company and analyses customer’s ML risk.
Main Duties and Responsibilities:
- Monitors on daily basis the correspondence with the General Directorate for Prevention of Money Laundering, and prepares the related correspondence;
- Provides the staff with clarification to the issues concerning the application of KYC rules and AML/CFT procedures. Provides opinions upon request from Payment Agents, on specific transaction(s).
- Provides opinions upon request from business lines related to manual screening of individuals/entities/ against black lists of terrorism, proliferation, embargos and/or other sanctions;
- Conducts permanent controls, as assigned and submits them within the defined deadline; The reports include, but not limited to: Prepaid loans, P2P transfer activity, Visa/MC Funds transactions, Screening and Monitoring system activity, quality and quantity of the alerts processed and other reports that might be implemented eventually as per company approved permanent controls and will be assigned to this position;
- Prepares and report the information requested by the local/ international financial institutions (Correspondent Banks), Bank of Albania, General Directorate for Prevention of Money Laundering, General Prosecutor Office, etc.
- Prepares, reports to the Responsible Authority, regarding: information requested by the Responsible Authority on the customer; RTV (Cash transactions daily report, for amounts equal or over LEK 1MIO); suspicious transactions
- Conducts daily monitoring and controls on customers' transactions, especially those of large amounts, international fund transfers, foreign exchange transactions, and prematurely closed loans.
- Timely and valid provision of the necessary data for the compilation of regular and extraordinary reports and data that the Department is obligated to submit.
- Proposes to Compliance Manager suspicious activity reports for transactions or clients identified from the daily monitoring and analysis.
- Involvement in Projects of the Compliance Department, when required;
- Seeing to archive keeping and the company's and the customers' data security in the documents obtained.
- Operates to the very highest levels of integrity at all times;
- Performs other related duties as needed and/or as assigned by the supervisor.
Competencies & Requirements:
- Good analytical and investigation skills
- Ability to work under pressure and multitask in a fast-paced environment
- Ethical behavior
- Good verbal and written communication skills
- University degree, preferably economic science or juridical science
- Computer literacy
- English proficiency
- AML/CFT & KYC area
- Enquires and Sanctions List area
- 1-3 years of banking experience
