Money Laundering Reporting Officer (MLRO) Luma Finans AB

We are seeking a highly skilled and experienced Money Laundering Reporting Officer (MLRO) to join Luma Finans AB, a regulated financial institution in Sweden providing credit products and deposit services.

The MLRO will hold a key control function within the organisation and will be responsible for ensuring that the company maintains effective measures to prevent money laundering and terrorist financing (ML/TF). The MLRO is expected to act independently, with sufficient authority, resources, and direct access to the Board of Directors and senior management.

Your mission:

Regulatory Compliance

Ensure that Luma Finans AB’s operations comply with Swedish legislation, Finansinspektionen (FI) requirements, and applicable EEA and international AML/CTF regulations

Act as the primary point of contact with Finansinspektionen, the Swedish Financial Intelligence Unit (FIU), and law enforcement authorities

Oversee and ensure timely submission of Suspicious Activity Reports (SARs) and regulatory reporting

Risk Assessment and Management

Develop, implement, and maintain a robust AML/CTF risk management framework tailored to credit and deposit products

Identify, assess, and mitigate risks related to customer onboarding, lending, and deposit-taking activities

Conduct regular risk assessments, monitoring to ensure effectiveness of controls.

Policy Development and Implementation

Develop, maintain, and update AML/CTF policies, procedures, and internal controls in line with regulatory expectations.

Ensure AML/CTF considerations are embedded in product development, especially lending and savings products.

Advise senior management on regulatory changes and their impact on the business.

Reporting and Analysis

Prepare and present AML/CTF reports to senior management and the Board, including risk exposure, key metrics, and regulatory developments.

Monitor transaction activity across loan portfolios and deposit accounts to detect suspicious behaviour and emerg