• Punët
• Rreth nesh
• Për punëdhënësit

AML/CTF, sanctions and financial crime

• Acts as the designated AML/CTF responsible person or MLRO, where appointed
• Develops and maintains the AML/CTF, sanctions and financial-crime framework: customer acceptance, KYC, beneficial ownership, PEP, EDD, transaction monitoring, sanctions screening, record keeping and escalation controls
• Ensures a risk-based institution-wide AML/CTF risk assessment is prepared, approved and updated after material changes
• Oversees customer and transaction monitoring and ensures alerts and internal reports are investigated and resolved in a timely manner
• Evaluates internal reports of suspicious activity and submits reports to the Financial Intelligence Agency and other competent authorities
• Ensures compliance with confidentiality and the prohibition on tipping-off
• Oversees implementation of international and domestic sanctions, including screening, escalation, freezing, rejection and reporting
• Ensures AML/CTF responsibilities delegated to agents, distributors and outsourced providers remain subject to due diligence, contractual controls and oversight
• Coordinates responses to AML/CTF inspections and information requests
• Reports periodically and ad hoc to the CEO and governing bodies on risk exposure, suspicious activity, incidents, control deficiencies and remediation

Regulatory liaison and reporting

• Acts as principal contact point for the Bank of Albania, the Financial Intelligence Agency and other competent authorities
• Coordinates accurate and timely regulatory notifications, reports, questionnaires and responses
• Maintains complete, auditable records of regulatory correspondence, monitoring, assessments, decisions and follow-up actions
• Immediately escalates material breaches, control failures and regulatory incidents and ensures required external notifications are made

Management responsibilities

• Organises and manages the Compliance and AML/CTF function in line with approved plans and budgets
• Defines responsibilities, objectives and performance standards for the team
• Coaches and develops staff and identifies training and resource needs
• Ensures continuity of the function, segregation of duties and appointment of a deputy where required
• Cooperates with Risk Management, Internal Audit, Information Security, Operations and Finance while preserving independence

4. Position specifications

• University degree in Law, Finance, Economics, Business Administration or another relevant field
• Professional certification in Compliance, AML/CTF, financial crime or risk management is highly desirable
• At least five years of relevant experience in compliance, AML/CTF, financial services, payments or electronic money, including managerial or supervisory responsibility
• Strong knowledge of the Albanian legal and regulatory framework for electronic money institutions, payment services, AML/CTF and financial sanctions
• Very good command of English and Albanian; strong proficiency in Microsoft Office and relevant compliance systems

AML/CTF, sanctions and financial crime

• Acts as the designated AML/CTF responsible person or MLRO, where appointed
• Develops and maintains the AML/CTF, sanctions and financial-crime framework: customer acceptance, KYC, beneficial ownership, PEP, EDD, transaction monitoring, sanctions screening, record keeping and escalation controls
• Ensures a risk-based institution-wide AML/CTF risk assessment is prepared, approved and updated after material changes
• Oversees customer and transaction monitoring and ensures alerts and internal reports are investigated and resolved in a timely manner
• Evaluates internal reports of suspicious activity and submits reports to the Financial Intelligence Agency and other competent authorities
• Ensures compliance with confidentiality and the prohibition on tipping-off
• Oversees implementation of international and domestic sanctions, including screening, escalation, freezing, rejection and reporting
• Ensures AML/CTF responsibilities delegated to agents, distributors and outsourced providers remain subject to due diligence, contractual controls and oversight
• Coordinates responses to AML/CTF inspections and information requests
• Reports periodically and ad hoc to the CEO and governing bodies on risk exposure, suspicious activity, incidents, control deficiencies and remediation

Regulatory liaison and reporting

• Acts as principal contact point for the Bank of Albania, the Financial Intelligence Agency and other competent authorities
• Coordinates accurate and timely regulatory notifications, reports, questionnaires and responses
• Maintains complete, auditable records of regulatory correspondence, monitoring, assessments, decisions and follow-up actions
• Immediately escalates material breaches, control failures and regulatory incidents and ensures required external notifications are made

Management responsibilities

• Organises and manages the Compliance and AML/CTF function in line with approved plans and budgets
• Defines responsibilities, objectives and performance standards for the team
• Coaches and develops staff and identifies training and resource needs
• Ensures continuity of the function, segregation of duties and appointment of a deputy where required
• Cooperates with Risk Management, Internal Audit, Information Security, Operations and Finance while preserving independence

4. Position specifications

• University degree in Law, Finance, Economics, Business Administration or another relevant field
• Professional certification in Compliance, AML/CTF, financial crime or risk management is highly desirable
• At least five years of relevant experience in compliance, AML/CTF, financial services, payments or electronic money, including managerial or supervisory responsibility
• Strong knowledge of the Albanian legal and regulatory framework for electronic money institutions, payment services, AML/CTF and financial sanctions
• Very good command of English and Albanian; strong proficiency in Microsoft Office and relevant compliance systems