Head of Financial crime / AMLCO

The opportunity

We are seeking an experienced Senior Financial Crime Officer to join our Compliance team and act as a subject-matter expert on financial crime matters. The ideal candidate brings strong technical expertise in AML/CTF, sanctions, and anti-bribery & corruption, combined with proven leadership skills, the ability to drive strategic initiatives, and the seniority to engage directly with regulators, auditors, and senior management. The role includes mentoring and supervising junior team members, as well as leading complex investigations and remediation programs.

Day-to-day responsibilities

• Lead the design, implementation, and continuous improvement of the financial crime risk assessment framework and methodology, ensuring alignment with regulatory expectations and Group standards.
• Act as the primary subject-matter expert on AML/CTF, sanctions, and financial crime topics, providing strategic guidance to senior management, business units, and project teams.
• Drive the regulatory watch on national and international laws, CSSF circulars, EBA guidelines, FATF recommendations, and EU directives; assess impacts and lead the implementation of required changes across the organization.
• Develop, review, and validate financial crime policies, procedures, and controls, ensuring full compliance with applicable local laws, regulations and Group requirements.
• Lead and oversee complex investigations of suspicious activities/transactions/customers for escalation to the WFS EU AMLCO for decisions on STRs/SARs to be submitted to the CRF (Cellule de Renseignement Financier), and manage high-risk and escalated cases.
• Mentor, coach, and supervise financial crime team members providing technical guidance, reviewing their work, and contributing to their professional development.
• Lead, contribute to and manage strategic projects related to financial crime (e.g. AML transaction monitoring tool implementation, KYC framework enhancement, sanctions screening optimization, customer risk rating models).
• Design and deliver training programs on financial crime topics for staff at all levels, including business units, senior management, and the Board where required.
• Produce and present management reporting and KPIs on financial crime matters to the Chief Compliance Officer, Senior Management, and relevant committees (e.g. Risk and Compliance Committee, Board).
• Collaborate closely with the Group Financial Crime team, peers across Worldline entities, auditors, and regulators to ensure a consistent and effective approach to financial crime risk management.
• Risk: On crime matters you will work together with the team and report to the Chief Risk & Compliance Officer.

Who are we looking for

We look for big thinkers. People who can drive positive change, step up and show what’s next – people with passion, can-do attitude and a hunger to learn and grow. In practice this means:

• Master's Degree or equivalent in Legal, Compliance, Finance, Accounting, or a related field.
• Minimum of 7 years' experience in an anti-money laundering / financial crime role within the banking, payment, or financial services sector, including significant exposure to regulatory interactions.
• Knowledge, the ideal candidate brings strong technical expertise in AML/CTF, sanctions, fraud. Recognized AML is a must, Sanctions certification is a plus (e.g. CAMS, CGSS or equivalent).
• In-depth knowledge of Luxembourg and EU anti-money laundering laws, regulations, and best practices (CSSF regulations, AMLD, EBA guidelines, FATF standards, EU and international sanctions frameworks).
• Proven experience in leading risk assessments, regulatory inspections, audits, and remediation programs.
• Demonstrated ability to manage complex investigations and to make sound, well-documented decisions on suspicious activity reporting.
• Strong leadership and mentoring skills, with prior experience in supervising or coaching junior staff.
• Excellent analytical and critical thinking skills, with strong attention to detail and the ability to assess complex situations and make risk-based decisions.
• Excellent communication and presentation skills, with the ability to interact confidently with senior management, regulators, and auditors.
• Fluent in English (both written and spoken); additional European languages are an asset.
• Strong computer skills, including Microsoft Excel, Outlook, and experience with AML/transaction monitoring and screening tools.
• Highly organized, autonomous, and able to manage multiple priorities under pressure and meet tight deadlines.
• Demonstrated ability to produce high-quality reports, dashboards, and presentations for senior stakeholders.

Perks & Benefits

At Worldline you’ll get the chance to be at the heart of the global payments technology industry and shape how the world pays and gets paid. On top of that, you will also:

#LI-AL1

• At Worldline our top priority is to engage, encourage and develop you to help you improve your potential. In fact, we have comprehensive training and development programs in place demonstrating our dedication to developing your career.
• Be part of a company guided by a strong purpose to do good and recognized as top 1% of the most sustainable companies in all sectors worldwide.
• Work with inspiring colleagues and be empowered to learn, grow and accelerate your career.