Money Laundering Reporting Officer (MLRO)

About the role

The Money Laundering Reporting Officer (MLRO) is a statutory appointment under UAE law, responsible for the effectiveness of Kredete Payments LLC’s anti‑money‑laundering, counter‑terrorist financing and counter‑proliferation financing programme. Reporting directly to the Board and the CEO, the MLRO ensures robust compliance with Central Bank of the UAE (CBUAE) regulations and maintains close liaison with the UAE Financial Intelligence Unit and the Executive Office for Control and Non‑Proliferation.

Key responsibilities

• Own, implement and continuously improve the AML/CFT/CPF programme, policies and procedures across all licensed activities, ensuring compliance with Federal Decree‑Law No. 10 of 2025, Cabinet Resolution No. 134 of 2025, Cabinet Decision No. 74 of 2020, CBUAE AML/CFT Guidance and Stored Value Facilities Regulation.
• Serve as the principal point of contact with the CBUAE, the UAE FIU and the EOCN on all financial‑crime matters, including licensing processes, regulatory information requests and examinations.
• Maintain and present AML reports, risk assessments and filing obligations to senior management and the Board of Directors.
• Coordinate with the Group compliance function through the Director of Compliance, EMEA, ensuring alignment with group standards and second‑line oversight.
• Provide AML/CFT training and awareness to relevant staff and monitor adherence to regulatory requirements.

Required profile

• Extensive experience in anti‑money‑laundering, counter‑terrorist financing and counter‑proliferation compliance within the financial services sector.
• Demonstrated ability to obtain fit‑and‑proper approval from the Central Bank of the UAE.
• Strong knowledge of Federal Decree‑Law No. 10 of 2025, Cabinet Resolution No. 134 of 2025 and related CBUAE regulations.
• Proven track record of reporting to senior management and boards on compliance matters.
• Senior‑level leadership with the capacity to work independently and maintain unrestricted access to regulators.

Required skills