Responsibilities
- Serve as Billhop AB's MLRO / Centralt funktionsansvarig, with independent authority over AML/CTF program design, execution, and effectiveness
- Act as primary regulatory contact with Finansinspektionen, managing supervisory correspondence, periodic reporting, and support licensing efforts
- Evaluate and file Suspicious Transaction Reports (STRs)
- Provide final sign-off on high-risk onboarding, transaction monitoring escalations, and sanctions alerts
- Partner closely with Billhop AB's management team including the Specially appointed executive to ensure seamless alignment between executive oversight and day-to-day AML operations
- Own and deliver the annual AML/CTF training program for local board members, management, and relevant operational teams handling Swedish accounts
- Manage the entity's internal reporting channels for potential AML/CTF infractions
- Maintain and evolve the AML/CTF risk assessment, policies, and procedures, including NPAP review for new products
- Prepare and present the MLRO report to the Billhop AB board and leadership
- Partner with Ramp's broader Compliance, Legal, and Engineering teams (US/UK) on cross-border projects
Requirements
- 8+ years of financial services experience in compliance, AML, or related regulatory advisory roles, preferably in fintech
- Native or fluent Swedish and fluent English, written and verbal (non-negotiable)
- AI Fluency and demonstrated experience leveraging AI to build and scale AML programs
- Deep working knowledge of the FI's supervisory expectations
- Significant senior-level AML advisory or deputy compliance experience at a Swedish-regulated entity
- Direct experience interfacing with regulators and bank partners
- Comfort operating as a standalone compliance lead with independent judgment on filing/escalation decisions
Nice to Have
- Fintech or payments domain experience (card issuing, corporate expense, high-velocity digital transaction monitoring) strongly preferred over traditional retail-branch compliance background
Work Arrangement
Remote (Country) — Sweden
Additional Information
- Native or fluent Swedish and fluent English, written and verbal (non-negotiable)
- Must be able to operate as a standalone compliance lead with independent judgment on filing/escalation decisions
- Direct experience interfacing with regulators and bank partners
- Flexible PTO
- Centralized home-office equipment ordering
- Health and wellness stipend
- Budget for intra-office travel
- Weekly coffee stipend
- Relocation expense coverage to NYC or SF (if needed)
- Beware of recruiting scams: Ramp will only contact you through official @Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.
