JOB OVERVIEW:
Are you a highly analytical and ethical professional with a passion for regulatory compliance and financial crime prevention? We are seeking a Money Laundering Reporting Officer (MLRO) to oversee the Company's Anti-Money Laundering (AML), Counter Financing of Terrorism (CFT), Counter Proliferation Financing (CPF), Data Protection, and compliance monitoring activities. The successful candidate will ensure compliance with applicable laws, regulatory requirements, and Group standards through effective monitoring, reporting, advisory support, audit coordination, and employee awareness initiatives.
JOB RESPONSIBILITIES:
Anti-Money Laundering & Financial Crime Compliance
- Monitor customer transactions and investigate unusual or suspicious activity using AML monitoring systems, ensuring timely remediation in accordance with regulatory and Group standards.
- Conduct customer screening, sanctions screening, and due diligence reviews, escalating suspicious matters and filing Suspicious Transaction Reports (STRs) with the Financial Intelligence Unit (FIU) where required.
- Review Source of Funds declarations and monitor AML controls across underwriting and claims operations.
Prepare and submit monthly AML reports and compliance updates to Group Compliance within established timelines.
Compliance Governance & Regulatory Reporting
- Maintain compliance records and regulatory reporting through the Global Entity Management System (GEMS), ensuring all compliance activities, breaches, and supporting documentation are accurately recorded.
- Assist in the preparation of quarterly Board reports, providing updates on AML/CFT compliance, key risks, investigations, regulatory breaches, and recommendations for strengthening internal controls.
Monitor changes to AML, CFT, CPF, and other regulatory requirements, providing guidance and recommendations to ensure ongoing organisational compliance. - Liaise with regulatory authorities, including GARFIN, the Financial Intelligence Unit (FIU), Guardian Group Compliance, Internal Audit, and other key stakeholders on compliance matters.
Audit, Risk Management & Training
- Coordinate compliance audits, monitor corrective action plans, and ensure timely implementation of audit recommendations.
- Deliver AML awareness training, coordinate mandatory annual compliance training, and support onboarding programmes to promote a strong compliance culture across the organisation.
Prepare compliance reports, dashboards, and management updates to support governance and risk oversight.
Data Protection & Privacy
- Monitor compliance with applicable Data Protection legislation and organisational privacy standards relating to the handling of personal information.
- Provide guidance on privacy requirements, support data protection reporting, and maintain documentation to facilitate internal and external audits and regulatory inspections.
EDUCATION & EXPERIENCE
- Bachelor's Degree in Business Administration, Law, Finance, Risk Management, Accounting, or a related discipline.
- Professional certification in Anti-Money Laundering or Compliance (e.g., CAMS, ICA, ACAMS or equivalent) or willingness to obtain within an agreed timeframe.
- Minimum of three (3) years' experience in Compliance, Anti-Money Laundering, Risk Management, Audit, Legal, Banking, Insurance, or a related regulatory environment.
- Working knowledge of Anti-Money Laundering, Counter Financing of Terrorism, Data Protection legislation, and regulatory reporting requirements.
- Experience preparing regulatory reports, compliance dashboards, and Board reports is an asset.
ADDITIONAL REQUIREMENT
As a regulated entity with obligations under the Know Your Employee (KYE) Guidelines, the successful candidate will be required to provide a Certificate of Character prior to employment.
PERSON SPECIFICATION
The Money Laundering Reporting Officer must demonstrate the highest standards of integrity, confidentiality, and professionalism. The successful candidate will possess strong analytical and investigative skills with the ability to identify and assess compliance risks and recommend practical solutions. He/she must have excellent written and verbal communication skills, strong attention to detail, sound judgement, and the ability to manage multiple priorities while maintaining regulatory compliance. The role requires the ability to build effective working relationships with regulators, internal stakeholders, and external partners while promoting a culture of compliance and ethical conduct throughout the organisation.
Skills Required
- Bachelor's Degree in Business Administration, Law, Finance, Risk Management, Accounting, or related discipline
- Minimum of three (3) years' experience in Compliance, AML, Risk Management, Audit, Legal, Banking, Insurance, or related regulatory environment
- Professional certification in Anti-Money Laundering or Compliance (e.g., CAMS, ICA, ACAMS) or willingness to obtain within an agreed timeframe
- Working knowledge of AML, CFT, CPF, and Data Protection legislation and regulatory reporting requirements
- Experience monitoring customer transactions, sanctions screening, due diligence reviews, and filing Suspicious Transaction Reports (STRs)
- Experience preparing regulatory reports, compliance dashboards, and Board reports
- Ability to liaise with regulators, internal audit, Group Compliance, and other stakeholders
- Provide a Certificate of Character prior to employment (Know Your Employee requirement)
What We Do
Guardian Group is a conglomerate of insurance and financial services companies in the Caribbean, with over 100 years of experience as one of the largest insurers in the region.
