At Mercuryo, we're at the forefront of enhancing decentralized finance (DeFi) with innovative payment use cases. Our goal is to redefine the finance experience, making sure everyone can easily access both web3 and traditional financial services. We're building a robust platform that makes dealing with crypto simpler and integrates it seamlessly into the broader financial ecosystem. Our mission is clear: to create a straightforward, user-friendly platform for businesses that are pioneering the next generation of consumer services with crypto.

Since launching in 2018, we've joined forces with web3 giants like MetaMask, Trust Wallet, Ledger, Jupiter, 1inch, PancakeSwap, powering over 200 dynamic products. This collaboration is driving the creation of innovative payment solutions within the web3 industry, involving direct engagements with prominent ecosystems such as Solana Labs, Consensys, and BNB Chain.

**Why Mercuryo?**

**Industry Impact**: Make a real difference by contributing to leading web3 projects that onboard millions of users into the new economy.

**Innovative Environment**: Join a team of over 200 professionals from the most dynamic sectors, including banking, SaaS, and web3, all committed to delivering the best user experience in the industry.

**Growth and Learning**:**With partnerships spanning more than 200 top-tier B2B collaborations and a user base exceeding 7 million, the opportunities for professional growth are vast.

**Flexible Culture**:**Embrace our remote-first policy that values diversity, with team members from over 29 countries, creating an environment where ownership and creativity thrive

**About the Role**

Moneychurros, a full subsidiary of Mercuryo, authorised by Banco de España to provide crypto asset services, is now seeking a Money Laundering Reporting Officer (MLRO) to help us in building out the second line of defence and to push our Regulatory and Financial Crime Compliance Program to the next level.

As Moneychurros’ MLRO (Spain), you will be responsible for carrying out the vision and the mission for the team as the company continues to scale. You will work closely with key stakeholders in Financial Crime Compliance Operations, Legal, Risk, Product, Engineering, and other functional areas to ensure Moneychurros is compliant with all relevant regulations.
The MLRO (Spain) reports directly to Mercuryo’s Global Head of Compliance and will be supporting
our regulatory compliance and financial crime efforts across all Mercuryo entities (currently in Europe
and North America).
As our MLRO (Spain), you will have the opportunity to work on a wide range of areas in the increasingly important world of fintech payments and virtual assets and have a real impact on the growth of the entire Mercuryo Group.
This is a purely second line compliance role with a heavy focus on being “hands on”, reporting, policy,
advisory and assurance, however, a good understanding of assessing, implementing and configuring
operational systems and controls is required to make this a success. The role will focus on financial
crime compliance, regulatory, consumer protection and risk matters.

**Your Role**:

- Suspicious Activity Reporting: Manage the process for and report SARs for Moneychurros
and other entities within the Mercuryo Group.
- Advisory: Provide compliance advice to the rest of the Mercuryo & Moneychurros team, business units and management.
- Policies and Procedures: Construct, review, and maintain compliance policies, procedures, and processes to ensure that the systems and controls framework is adequate and up to date.
- Horizon Scanning: Implement Horizon Scanning processes and ensure stakeholders are made aware of any changes expected.
- Assurance: Conduct compliance reviews, perform compliance monitoring and surveillance to ensure that policies, procedures, and practices are being followed and adhered to.
- Reporting and Escalation: Provide regular internal management information on compliance related activities, for onward escalation, including the development of compliance governance packs.
- Operational Enhancements: Act as the point of contact for compliance advisory tickets and requests - ensuring you maintain a risk based and balanced approach to advising the business.
- Risk Assessment: Perform Risk Assessment activity across the Group - including enterprise risk assessments, regular jurisdictional risk assessment and regular alterations to the customer risk scoring process.
- Breach Management: Manage the escalation, root cause analysis, and remediation of financial crime compliance breaches.
- Control Testing: Implement risk-based monitoring and assurance programs on core oversight activities - such as KYC/B, transaction monitoring, screening, complaints, customer outcomes, outsourcing, financial promotions, etc.
- 2nd Line Compliance Operations: Work on compliance operations such as gifts and entertainment registration, regulatory reporting, conflicts management, EDD sign