Money Laundering Reporting Officer

What you do

Governance and Oversight

• Act as the appointed MLRO in accordance with applicable AML legislation.
• Ensure the effective implementation of AML/CTF policies, procedures, and controls.
• Provide regular reporting to Senior Management and governance bodies.

Suspicious Activity Reporting

• Assess internal alerts and determine reporting obligations.
• Ensure timely filing of Suspicious Transaction Reports (STRs) to competent authorities.
• Act as the primary point of contact with regulatory and law enforcement authorities.

Risk Management and Controls

• Lead the AML/CTF risk assessment and ensure application of a risk-based approach.
• Oversee Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and customer risk rating processes.
• Ensure the effectiveness of transaction monitoring, sanctions screening, and alert handling.

Banking Business Oversight

• Ensure AML controls are effectively implemented across the customer lifecycle, including:

• Customer onboarding

• Ongoing customer reviews

• Payments and transfers

• Lending activities

• Digital banking services

• Identify and escalate banking-specific AML risk indicators.

Monitoring and Decision-Making

• Review complex cases and provide final decisions on escalated alerts.
• Ensure proper documentation and audit trail of decisions.

Training and Culture

• Ensure AML/CTF training programs are implemented and maintained.
• Promote awareness of AML risks across all business units.

Regulatory and Audit Interaction

• Act as primary contact for supervisory authorities.
• Lead AML inspections and audits.
• Ensure timely and effective remediation of findings.

What you bring

• University degree in Law, Finance, Economics, or a related field.

• Minimum 5 years of professional experience in AML/CTF or Compliance, preferably within banking or financial services.

• Proven experience in a senior AML, Compliance, or MLRO role.

• In-depth knowledge of:

• EU AML regulatory framework and local legislation

• AML/CTF risk management methodologies

• Banking products and related financial crime risks

• Experience working with regulators, auditors, and senior management.

• Strong analytical and decision-making skills.

• Experience with Generative AI tools (ChatGPT, Copilot, etc.).

• Excellent written and spoken English. 

What we offer 

Money 

• Annual performance-based bonuses 

• Free employee share + stock purchase plan 

• Preferential pricing on Allianz products 

• Additional pension 

• A discount network with 50+ sites 

Time 

• Hybrid work model 

• Extra day off every 5 years of service 

• Additional day off - Allianz Family Day 

Health 

• Free medical insurance  

• Special price for Multisport Card 

• 24/7 mental health support 

Career 

• Career development, digital learning & international mobility. 

• Opportunities across insurance, asset management & banking within Allianz Group. 

• Great Place to Work & EDGE certified environment. 

• Fresh fruit and free coffee in the office 

• Off-site location in the mountains 

• Corporate teambuildings 

104097 | Legal & Compliance | Professional | Non-Executive | Allianz Bulgaria | Full-Time | Permanent

Allianz Group is one of the most trusted insurance and asset management companies in the world. Caring for our employees, their ambitions, dreams and challenges, is what makes us a unique employer. Together we can build an environment where everyone feels empowered and has the confidence to explore, to grow and to shape a better future for our customers and the world around us. 

At Allianz, we stand for unity: we believe that a united world is a more prosperous world, and we are dedicated to consistently advocating for equal opportunities for all. And the foundation for this is our inclusive workplace, where people and performance both matter, and nurtures a culture grounded in integrity, fairness, inclusion and trust. 

We therefore welcome applications regardless of ethnicity or cultural background, age, gender, nationality, religion, social class, disability or sexual orientation, or any other characteristics protected under applicable local laws and regulations. 

Join us**. Let's care for tomorrow.**