MLRO

MLRO ABOUT EDENRED Edenred is the leading digital platform for corporate services in the areas of benefits, professional mobility, and B2B payments. Operating in 44 countries, it connects more than 60 million users to over 2 million partner merchants through more than 1 million client companies. Edenred offers solutions dedicated to employee engagement (meal vouchers, commuting, gift vouchers, wellness, rewards, and preferential offers to boost purchasing power), mobility (multi-energy solutions, including EV charging, fleet management services, maintenance, toll, and parking), and corporate payments (virtual cards). In addition to its own solutions, Edenred also distributes offers from more than 120 partners on its platform. True to the Group's purpose, "Enrich connections. For good.", these solutions enhance users' well-being and purchasing power and simplify the lives of professional drivers while promoting access to healthier food, more environmentally friendly products, and more sustainable mobility. They improve the attractiveness and efficiency of businesses and vitalize the employment market and the local economy. Edenred’s 12,000 employees are committed to making the world of work a connected ecosystem that is safer, more efficient and more responsible every day. In 2024, thanks to its global technology assets, the Group generated a business volume of nearly €45 billion, mainly through mobile applications, online platforms and cards. Edenred is listed on the Euronext Paris stock exchange and included in the following indices: CAC Next 20, CAC Large 60, Euronext 100, Euronext Tech Leaders, FTSE4Good, DJSI Europe Index, DJSI World Index, and MSCI Europe. THE UAE CONTEXT Edenred UAE is a fast growing payroll service provider serving more than 15,000 business and more than 2.2 million unbanked employees. We service over 10 banks and 35 financial institutions. We offer a unique value proposition for companies to manage their payroll and for employees to receive their salaries and use it in the simplest way offering multiple value added services via our mobile app (money transfer, mobile recharge and card services) THE ROLE The MLRO is primarily responsible for managing the identification, investigation, and reporting of suspicious activities related to money laundering and financial crime. This role leads the preparation and submission of Suspicious Activity Reports (SARs/STRs) to the Financial Intelligence Unit (FIU) and submit reports and AdHoc regulatory reports, conducts thorough investigations of flagged transactions, and supports the Risk Manager in conducting regular AML risk assessments. The MLRO serves as the main liaison with regulatory authorities on AML matters, supports policy maintenance, and provides senior management and the Board with clear reporting on AML program effectiveness. Additionally, the MLRO collaborates with the broader compliance team to ensure strong internal controls and supports AML training initiatives. RESPONSIBILITIES Suspicious Activity Reporting (SAR/STR): Receiving, investigating, and reporting suspicious internal transactions to the Financial Intelligence Unit (FIU) and relevant regulators in a timely and accurate manner. Investigation Management: Conduct thorough investigations into flagged transactions or activities, documenting findings and determining appropriate next steps. Risk Assessment: Support the Risk Manager by contributing to regular, organization-wide AML risk assessments to identify and mitigate vulnerabilities to financial crime. Regulatory Liaison: Act as the main point of contact for regulatory authorities regarding AML matters, managing inquiries, providing required documentation, and supporting audits. Policy and Procedure Maintenance: Maintain and update AML policies, procedures, and internal controls to reflect current laws, regulations, and evolving risks. Reporting to Board: Provide clear and regular reports on the effectiveness of the AML program, suspicious activity trends, and risk assessments to senior management and the Board. Training Support: Assist in delivering AML training and awareness initiatives related to suspicious activity identification and reporting. Collaborate closely with the Compliance Lead, Director, and other stakeholders to support overall compliance and risk mitigation strategies. AML Tools and Systems Familiarity: Transaction Monitoring Systems (e.g., NICE Actimize, FICO TONBELLER, Oracle Mantas, SAS AML) Sanctions Screening Tools (e.g., World-Check, Dow Jones Risk & Compliance, LexisNexis Bridger Insight) Customer Due Diligence (CDD)/KYC Platforms (e.g., ComplyAdvantage, IdentityMind, Onfido, Trulioo) Case Management Systems (e.g., AML RightSource, CaseWare, Actimize AML Case Manager) Regulatory Reporting Tools integrated with FIUs or regulatory portals Experience with data analysis and business intelligence tools such as SQL, Tableau, or Power BI is a plus. YOUR PROFILE Minimum of 5 PQE Proven AML experience, particularly in SAR/STR reporting and investigations. Comprehensive knowledge of AML regulations, FIU reporting requirements, and financial crime typologies. Strong analytical and investigative skills with attention to detail. CAMS Certified Effective communication and stakeholder management skills. REPORTING STRUCTURE: The selected candidate will report directly to CLCO and Board of Directors. COLLABORATION: The candidate will collaborate with Compliance Director, Risk Manager, legal, audit teams, and business units in charge of processes. Department Compliance Locations Dubai Remote status Hybrid About Edenred UAE Edenred UAE is a fast growing payroll service provider serving more than 6,000 business and more than 2 million unbanked employees. We service over 10 banks and 35 financial institutions. We offer a unique value proposition for companies to manage their payroll and for employees to receive their salaries and use it in the simplest way offering multiple value added services via our mobile app. Founded in 2018 Co-workers 200