Compliance Officer (AMLRO) – Belgium

About the role

Swan is looking for an AML Reporting Officer (AMLRO) based in Belgium to provide independent AML/CFT oversight and act as the primary contact for Belgian authorities. You will join a collaborative compliance team that ensures the safety and regulatory compliance of Swan’s embedded banking services.

Key responsibilities

• Maintain and update Belgium AML/CFT risk analysis and ensure alignment with policies, procedures, controls and resources.
• Develop, review and challenge AML/CFT policies, including customer due diligence, beneficial ownership, PEPs, sanctions, transaction monitoring and record keeping.
• Perform risk‑based AML/CFT monitoring, sample testing and control reviews, documenting deficiencies and tracking remediation.
• Assess internal suspicions and decide on filing suspicious transaction reports, acting independently of management direction.
• Provide AML/CFT advice and approvals for high‑risk customers, PEPs, high‑risk jurisdictions, unusual transactions and new products.
• Serve as the primary AML/CFT contact for the National Bank of Belgium, FIU and law‑enforcement authorities, coordinating responses to information requests and regulatory inspections.
• Prepare annual AML/CFT activity reports and ad‑hoc reports for material incidents or regulatory requests.
• Oversee AML/CFT training, awareness and competency evidence for relevant staff and external service providers.

Required profile

• Professional integrity, reliability and proven experience in Belgium AML/CFT, payment services, e‑money or financial‑crime compliance.
• In‑depth knowledge of the Belgian legal and regulatory AML/CFT framework and ability to communicate effectively with authorities.
• Fluency in French, English and Dutch for authority communications.
• Senior‑level availability, resources and independence to perform the role effectively.

Required skills

• Expertise in AML/CFT risk analysis, policy development and transaction monitoring.
• Strong knowledge of customer due diligence, beneficial ownership, PEPs, sanctions screening and record‑keeping requirements.