MLRO (Estonia)

• You will be the designated MLRO for the company’s entity (VASP/DLT institution) in Estonia
• You will manage the regulatory reporting and relationship development processes with EFSA/FIU, in conjunction with the group CCO/MLRO
• You will prepare and submit necessary reports and escalations to the company entity’s Board and senior management as required
• You will support all FCC related matters across the group, including, an oversight on the client onboarding, transaction monitoring processes and enhancements of the overall Compliance risk management framework
• You will review CDD/EDD reports on the clients’ profiles for approval
• You will review high risk and/or suspicious transactions/activity related reports and escalate to the group CCO/MLRO as needed
• You will manage and advise on the high risk transaction monitoring alerts (Cryptoasset related) that are generated by various systems/tools and/or escalated to FCC as such
• You will regularly monitor in-house and 3rd party provided FCC systems/tools and open-source media to identify/assess risks associated with clients and their transactions
• You will assist with the regulatory horizon scanning, highlighting emerging risks and potential areas of non-compliance, as well as providing advice on appropriate mitigating actions
• You will effectively utilise and develop the knowledge of FCC related red flags, typologies, industry trends and best practices, and share such a knowledge with the wider Compliance team
• You will contribute to and/or lead specific projects and process improvements from the FCC perspective
• You will assist with delivering FCC training plans by educating and informing employees on FCC regulations, rules and industry practices
• You will assist with periodic reviews of clients’ profiles, analyse their corporate structures and business models, funds flows and risk profiles
• You will closely work with the Onboarding, Operations and Client Services teams and provide FCC subject matter expertise and support as needed
• You will contribute to the Compliance team’s drafting and updating of internal policies, procedures and guidelines to develop a proportionate and risk-based Compliance framework, designed to minimise the risk of breaches of legal and regulatory requirements. 
• You will review and advise on the legal-regulatory requirements in Estonia that are applicable to the company
• You will draft, review and update the company’s documentation in relation to the Estonian local regulatory requirements 
• You will review and translate the company’s documentation into Estonian as needed.

• You have extensive experience in FCC / Compliance and Legal function 
• You’ll have a solid background as an MLRO, and a professional experience as a Legal Counsel
• You have work experience in Financial Services, Payments/Emoney and/or Cryptoasset sectors – e.g. Fintechs, Digital Banking, Crypto Exchange/Custodian
• You are qualified with the Association of Certified Anti-Money Laundering Specialist (ACAMS), Certified Fraud Examiner (CFE) and/or have relevant legal qualification
• You have an excellent working knowledge of EEA and UK (and other main global) anti-financial crime regulations, industry guidelines and trends within the Payments/Emoney, Banking and/or Crypto sectors
• You have experience working with FCC related technologies and systems, such as World Check, TruNarrative, Chainalysis, Elliptic, Featurespace etc
• You have a clear understanding of how data and analytics can be used to prevent, detect, and manage financial crimes in an innovative Fintech company
• You have an excellent understanding of the financial crime risks and control frameworks as well as the best practices for financial crime risk management
• You have strong written and verbal communications skills, including the talent to deliver comprehensive reports and presentations to the regulatory authorities, Board and/or senior leadership
• You are detail-oriented and balanced, with the ability to see a broader perspective and continually challenge
• You are a well-organised, self-starter, able to prioritise quickly within an agile learning environment
• You can meet critical deadlines in calm and efficient ways, even within tight timeframes
• You thrive on collaboration and enjoy continuous development 

• Act as the MLRO for the company’s entities (VASP/DLT institution) in Estonia
• Prepare and submit regulatory reports, SARs and manage regulatory liaison with the EFSA/FIU
• Review and approve clients’ CDD/EDD applications at onboarding stage and assess their periodic review outcomes 
• Review and advise on higher risk categories of transactions alerts (Cryptoassets related)
• Evaluate the effectiveness of FCC related tools/systems and implement improvements

‍Orbital is an equal opportunity employer and values diversity. We do not discriminate on the basis of race, religion, ethnicity, national origin, gender, gender identity, sexual orientation, age, marital or disability status.