MLCO / Head of AML-CFT Compliance in Digital Banking

About the role

Freedom24 is an international fintech and investment platform, part of Freedom Holding Corp. (NASDAQ: FRHC), providing brokerage and financial services to clients across Europe. It is expanding its presence in France and is exploring new regulated financial services, including a digital banking offering. The company is strengthening its compliance team and is looking for an experienced MLCO to build and lead the AML/CFT function for this new business area, with the chance to shape the compliance infrastructure from the ground up.

Key responsibilities

• Design and implement AML/CFT policies and procedures in line with ACPR, TRACFIN and EU regulatory requirements (AMLD5/6)
• Build and oversee the KYC/KYB framework, including customer due diligence (CDD/EDD)
• Monitor transactions, identify suspicious activity and prepare TRACFIN filings
• Conduct risk assessments across products, customers, geographies and channels
• Act as the primary point of contact with regulators (ACPR, TRACFIN, AMF)
• Train staff on AML/CFT, sanctions compliance and fraud prevention
• Report to senior management on compliance risks and controls

Required profile

• 7+ years of experience in AML/CFT compliance within a bank, payment institution (PSP/EMI) or fintech company
• Proven hands-on experience engaging with regulators (ACPR, TRACFIN) on correspondence, inspections and reporting
• Experience building a compliance function or processes from scratch, not just operating within an established system
• Comfortable working in a startup environment with high ambiguity and few pre-built processes
• Understanding of digital financial and/or payment services and their related risks
• Fluent in French and English

Required skills

• Strong knowledge of French and EU regulatory frameworks (Code monétaire et financier, LCB-FT, AMLD)
• ACAMS certification is a plus

What we offer

• A rare opportunity to build a compliance function for a new business line from the ground up, with direct influence on strategy and product
• A competitive salary reflecting the seniority and responsibility of the role
• A position within an international, publicly listed company with ambitious growth plans in Europe
• Real autonomy and a high level of trust