MLRO - Sanctions and Fraud Oversight (Vilnius)

MLRO - Sanctions and Fraud Oversight (Vilnius) Lead AML, sanctions and fraud across a regulated open banking FinTech, with direct Board exposure and authority to shape the financial crime framework. Ready to take ownership? We usually respond within two weeks 🌍 About the Company The client is a regulated FinTech operating in the European open banking ecosystem , providing technology that enables businesses to securely connect with banks for payment initiation and account information services. Operating across European markets, the company combines regulated financial services with API-driven technology to make bank payments and financial data connectivity simpler and more scalable. As the business continues to grow, maintaining a strong and effective financial crime framework remains central to its regulated operations. 💼 About the Role As MLRO , you will own the AML/CTF framework for the company's Lithuanian regulated payment institution , alongside responsibility for sanctions compliance and fraud prevention. This is a senior leadership position with direct Board exposure , regulatory accountability and significant influence over the company's financial crime strategy. You will lead the Financial Crime team and work closely with Product, Technology and senior management to ensure controls remain effective as the regulated business develops across European markets. 🔍 Responsibilities Act as the designated MLRO for the Lithuanian regulated payment institution, maintaining effective governance across KYC, transaction monitoring, screening and record-keeping; Prepare, submit and oversee Suspicious Activity Reports (SARs) to the Lithuanian Financial Crime Investigation Service and support relevant group-level reporting; Develop, maintain and continuously improve AML, sanctions and fraud prevention policies in line with Lithuanian and EU regulatory requirements; Lead enterprise-wide, product and customer financial crime risk assessments, presenting material risks and recommendations to senior management and the Board; Serve as the primary point of contact for regulators, law enforcement authorities and external stakeholders on financial crime matters; Design and oversee international sanctions compliance controls, including customer screening, ongoing monitoring, escalation and regulatory reporting; Own the fraud prevention strategy across detection, investigation, response and continuous improvement of controls; Provide financial crime oversight appropriate to a regulated open banking environment covering payment initiation and account information services; Partner with Product and Technology teams to automate controls and improve the efficiency of AML, sanctions and fraud operations; Lead, mentor and develop the Financial Crime team, setting clear standards and priorities; Provide expert oversight and final sign-off on complex investigations, SARs and high-risk financial crime cases. 🎓 Requirements Proven experience as an MLRO or senior AML leader within a regulated FinTech, payment institution, PSP or comparable regulated financial services business; Strong practical knowledge of Lithuanian AML/CTF requirements, EU financial crime frameworks and international sanctions regimes; Hands-on experience preparing SARs, managing regulatory reporting and engaging directly with regulators; Demonstrable expertise across AML, sanctions compliance and fraud risk management; Experience leading and developing a compliance or financial crime team; Strong understanding of transaction monitoring systems, screening platforms and fraud detection technologies; Ability to assess financial crime risks within technology-driven payment products and cross-border financial services; Confidence advising Boards and senior management on complex risks, regulatory obligations and control priorities; Excellent written and spoken English. Nice to Have Professional fluency in Lithuanian ; Experience within open banking, payment initiation or account information services . 🤝 Key Competencies Sound judgement when balancing regulatory obligations, business priorities and effective financial crime controls; Clear and credible communication with Boards, regulators and cross-functional stakeholders; Decisive leadership in complex investigations and high-risk situations; Ability to translate regulatory requirements into practical and scalable controls; Strong ownership mentality and ability to operate effectively in a technology-driven regulated environment; Commitment to developing strong teams and maintaining high professional standards. ✨ The Employer Offers A senior position with direct Board exposure and meaningful decision-making authority; Ownership of a financial crime framework covering AML, sanctions and fraud prevention; Competitive senior-level compensation, including employee share options; A clear long-term development path supported by funded training and development; Flexible hybrid work and up to 30 days of working abroad; Extra holidays after the first year; Private medical insurance; An employee referral scheme. If you are ready to take full ownership of financial crime strategy and influence decisions at the highest level of a regulated FinTech, apply to start the conversation. Divisions AML, KYC and Compliance Role MLRO Locations Lithuania Remote status Hybrid Monthly salary €5,400 - €6,250 Employment type Full-time About HHHUB, UAB Not a generic recruitment agency that just discovered fintech - every placement we make is a step toward a stronger European fintech ecosystem. We connect you with opportunities you won't always find posted publicly, matched to your experience and goals, backed by honest guidance and real support from the first chat to offer. Expect respectful hiring stages, honest feedback, and realistic expectations at every step. We work like insiders, not CV brokers, so you can make the right career decision. #locations-map { display: none; }