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Team Introduction
PIPO Luxembourg is a dynamic, forward-thinking organisation at the forefront of the payments industry. As part of a fast-growing, ambitious company, you will have the unique opportunity toshape and refine our AML Framework while playing a pivotal role in our mission to innovate and deliver exceptional payment solutions.

About the Role
We are seeking an accomplished and proactive Money Laundering Reporting Officer (MLRO)who thrives in a fast-paced, challenging environment. This is a career-defining opportunity to take ownership of our compliance and AML functions, build robust frameworks, and make a lasting impact. Reporting to the Chief Compliance Officer, you will act as a key partner to the business, ensuring alignment with both Luxembourg regulations and internal governance standards while protecting the firm from financial crime, regulatory, and reputational risks.

Responsibilities
- Lead the design, implementation, and continuous enhancement of a cutting-edge AML and Financial Crime Framework tailored to Luxembourg's regulatory landscape.
- Oversee all Financial Crime compliance initiatives, including AML, KYC, and CDD processes, ensuring their alignment with local laws and global best practices.
- Develop and maintain risk-based monitoring processes, proactively identifying and mitigating emerging risks.
- Serve as the primary point of contact for internal and external stakeholders, including regulatory bodies, auditors, and the Luxembourg FIU.
- Drive a strong compliance culture across the organization by delivering engaging, business-focused training and fostering an open, solutions-driven approach.
- Manage the submission and investigation of Suspicious Activity Reports (SARs) to the Luxembourg FIU, ensuring timely and high-quality reporting.
- Actively contribute to the development of new products and services, ensuring compliance is seamlessly integrated into innovation.
- Mentor and develop a high-performing AML team, empowering them to excel in a collaborative and supportive environment.
- Stay ahead of regulatory developments, sharing insights and recommendations with the leadership team to adapt policies and practices as needed

Qualifications

Minimum Qualifications
- Proven expertise in compliance: CSSF-approved AML/CTF risk management experience in a payments, digital banking, EMI, or crypto environment.
- Relevant qualifications: An ICA Diploma, ACAMS certification, or equivalent credentials.
- Analytical problem-solving skills: A creative, pragmatic mindset capable of navigating complex regulatory challenges.
- Relationship-building skills: Ability to inspire trust and openness with internal teams, external partners, and regulatory authorities.
- Passion for innovation: Eagerness to challenge the status quo and pioneer new ways to strengthen compliance while supporting business growth.
- Self-starter mentality: High levels of initiative and discipline to independently lead projects and drive impactful outcomes.

Preferred Qualifications
- Strong knowledge of national and international AML/CFT legislation.
- Certifications such as CAMS or ICA are preferred.

TikTok is committed to creating an inclusive space where employees are valued for their skills, experiences, and unique perspectives. Our platform connects people from across the globe and so does our workplace. At TikTok, our mission is to inspire creativity and bring joy. To achieve that goal, we are committed to celebrating our diverse voices and to creating an environment that reflects the many communities we reach. We are passionate about this and hope you are too.