Senior Anti Financial Crime Manager & Luxembourg Branch Manager

Who we are

Over the last 18 years, Equals Money has helped over a million satisfied customers move and manage their money. Our award-winning product portfolio allows our customers to make low-cost multi-currency payments across various payment products. From travel money to transfers, currency hedging, to expense management, open-banking to card acquiring, we are focused on a single goal of making it easy for our customers to manage and move their money.

As a business, we are committed to delivering value to our customers through the combination of advanced payments technology and personal expert service. We’re doing this by hiring exceptional people and are now looking for a Senior Anti-Financial Crime (AFC) Manager to join our team.

With offices in London, Brussels, Chester, Amsterdam and Los Angeles, the Equals Group operates a portfolio of successful and exciting business lines and brands - Equals Money, FairFX in the UK and Equals Money Europe in Belgium. You will join a very close-knit, talented and supportive team from various backgrounds who believe that bringing different perspectives together helps us understand our customers' needs. United, by one thing, making money management straightforward and cost-effective for our customers. 

About the role

The Senior AFC Manager & Luxembourg Branch Manager,  will be responsible for owning and executing second-line activities focused on financial crime prevention for the branch activities of Equals Money Europe in Luxembourg. The roleholder will also fulfil the regulated functions of Responsable du Contrôle (RC) and représentant permanent (Branch Manager), subject to CSSF approval.

The roleholder will be accountable for implementing and maintaining a robust compliance framework covering Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF), ensuring appropriate regulatory reporting to the CSSF, and acting as a key regulatory point of contact for the Luxembourg branch. This role will be supported by Equals Money Europe’s head office in Brussels.

The Senior AFC Manager will work closely with the AMLCO (MLRO) for Equals Money Europe, based in Belgium, and with the Global Anti-Financial Crime Compliance function based out of the UK. The roleholder will ensure a robust application of financial crime controls for Equals Money Europe’s branch in Luxembourg and oversee the entity’s compliance with Anti-Money Laundering and Counter-Terrorist Financing laws and other applicable regulations in Luxembourg and the EU. 

Regrettably we cannot offer this role to individuals who do not possess the legal right to reside and work in Luxembourg.

About you
We believe that certain skills are essential in order to be successful in this role and these are detailed below. You may not have all the other skills we have outlined as desirable, we understand that and will still welcome your application. We will carry out individual interviews for shortlisted candidates and assess who is best suited for the role after we have discussed everything with you.

Responsibilities 

• Embody at all times our values of

  • Be the customer

  • Succeed together

  • Go beyond 

  • Make it happen

• Analyse and escalate complex investigations regarding AML/CTF related activities, raising SARs to the CRF 

• Act as a Subject Matter Expert for AFC related advisory, guidance and escalations

• Conduct complete AFC related reviews of various customer and business reports, customer applications, and system data utilised by Equals Money

• Conduct risk assessments to ensure AFC related risks are documented and have appropriate mitigation measures/plans in place.

• Assist in the preparation of monthly reports and committee reporting packs to evidence AFC related MI and risks

• Act as the primary regulatory point of contact with the CSSF and CRF for the Luxembourg branch

• Fulfil the responsibilities of représentant permanent, ensuring appropriate local governance, oversight, and regulatory accountability for the Luxembourg branch

• Ensure the branch maintains compliance with all applicable Luxembourg regulatory requirements, including fulfilling the responsibilities of RC

• Stay informed of current and relevant legislation, regulations, and common practices in the jurisdiction you represent.

• Assist in the preparation and submission of all relevant regulatory reports for the branch

• Ensure accuracy and identify enhancements of relevant Policies and Procedures (P&Ps) and Process Workflows.

• Maintain a high level of quality, accuracy, and efficiency in the firm's response to AML matters.

• Advise and guide the first line of defence in their daily tasks and decision-making 

Essential Skills

• Strong judgement and decision-making skills.

• Prior experience in Anti-Financial Crime roles preferably in Luxembourg, preferably more than 3 years. Strong knowledge of the legal AML framework(s) within the Luxembourg and European regulatory landscape. 

• Prior experience with interacting with a regulatory body (preferably CSSF and/or CRF) 

• Ability to communicate effectively with a range of stakeholders, including banking partners, customers, and internal stakeholders.

• Fluent oral and written skills in English and French are essential.

Our investment in you

We welcome people into Equals and desire to grow and develop our talented teams. We believe in teamwork and celebrating our successes. We strive to embrace our values. We want to put you in the driving seat of your career and achieve your full potential through growth opportunities and developmental support. When you join Equals, we aim to help you to get more out of your career. We will also offer you the following benefits.

Where possible we offer the opportunity to work flexibly and the opportunity to balance some remote working with time in the office collaborating, taking part in events and developing the social connections that make working with us rewarding. For this role a minimum of 2 days in the office will be required with remote working offered for the remaining working days.

Equals Group strives to create a workplace where we can all be ourselves. We believe in inclusion, equality and the power of diversity, so you'll be encouraged to bring your unique perspectives and experiences, and help us understand what you need to do your best work.