Europe MLRO

👋 About Us NALA is building Payments for the Next Billion. Faster, smarter, and fairer transfers for everyone. Since 2022, we've grown our business 120x, grown the team from 9 to 150+, raised $50M+ from top-tier investors , and were named to the Forbes Fintech 50 in 2025. We operate two core products: NALA , our consumer app making cross-border payments cheaper, faster and more reliable for the global diaspora. Allowing users to send money from the UK, US and EU to Africa and Asia. Rafiki , our B2B payments infrastructure, is powering global payments. Our team includes alumni from Wise, Stripe, Monzo, Revolut, and CashApp — operators who’ve scaled world-class products. We act with urgency, think deeply, and put our customers first always. At NALA, this isn’t just a job. It’s ownership, impact, and the chance to change global payments forever. Join us in building Payments for the Next Billion. 🙌 Your Mission Build and lead a best-in-class AML/CFT compliance framework for Belgium, ensuring regulatory excellence while enabling safe, scalable growth in international remittances. 🎯 Your Responsibilities in this Role Own and evolve NALA’s AML/CFT framework in Belgium, ensuring full compliance with local law, EU directives, and NBB expectations Lead end-to-end suspicious activity investigations and act as the nominated officer for CTIF-CFI reporting Deliver and maintain the Overall Risk Assessment (ORA), covering customer, product, and corridor-level financial crime risks Act as the primary point of contact for regulators and law enforcement, managing audits, inspections, and ongoing relationships Design and monitor internal controls and KPIs/KRIs to ensure ongoing effectiveness of the compliance program Provide strategic advisory to leadership on new products, market expansion, and risk appetite decisions 🔥 Must-have requirements Experience operating as MLRO or equivalent senior compliance role in a regulated environment 7+ years of AML/CFT experience within a Payment Institution or Electronic Money Institution Deep knowledge of Belgian AML regulations, NBB expectations, and EU AML directives Proven track record managing SAR/STR reporting and regulatory interactions Strong experience conducting complex financial crime investigations (e.g. layering, smurfing, cross-border schemes) Professional fluency in English and either French or Dutch Meets “Fit and Proper” requirements for senior compliance roles with the NBB 💪 Nice to have requirements Previous experience in a high-growth fintech or remittance business Experience working with transaction monitoring systems and regtech tools LLM or legal/compliance academic background ✅ Success in the role looks like 3-Month Metrics Fully onboarded as the nominated AML officer with regulators and established key regulatory relationships Completed review of existing AML/CFT framework with clear action plan for gaps and improvements 6-Month Metrics Delivered an updated ORA and implemented enhancements to controls, monitoring, and reporting Established scalable, data-driven compliance processes supporting growth without increased regulatory risk ⭐️ Benefits 35 Days Off including your local bank holidays : Take the time to decompress. Working at a startup is hard! Birthday Leave: Celebrate your special day with a bonus day off to take off in that month. Enhanced Parental Leave: We offer 16 weeks of full pay for the primary caregiver and 4 weeks of full pay for the secondary caregiver (After a 6-month probationary period) Learning Budget : Fuel your growth with $1000 annually for learning and development.