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Senior Money Laundering Reporting Officer (MRLO) – Sofia, hybrid model, leading AML/CTF oversight.
Join Allianz Bulgaria's AML/CTF leadership team and shape the future of risk compliance.
What you do:
Governance and Oversight
Act as the appointed MLRO in accordance with applicable AML legislation Ensure the effective implementation of AML/CTF policies, procedures, and controls Provide regular reporting to senior management and the Board
Suspicious Activity Reporting
Assess internal alerts and determine reporting obligations Ensure timely filing of Suspicious Transaction Reports (STRs) to competent authorities Act as the primary point of contact with the Financial Intelligence Unit
Risk Management and Controls
Lead the AML/CTF risk assessment and ensure application of a risk‑based approach Oversee Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and customer risk rating processes Ensure effectiveness of transaction monitoring, name screening, and alert handling
Life Insurance Business Oversight
Ensure AML controls are effectively implemented across the full product lifecycle, including: Customer onboarding Premium payments Policy changes and early surrender Claims and beneficiary payouts Identify and escalation life insurance‑specific AML risk indicators
Monitoring and Decision-Making
Review complex cases and provide final decisions on escalated alerts Ensure proper documentation and audit trail of decisions
Training and Culture
Ensure AML/CTF training programs are implemented and maintained Promote awareness of AML risks across all relevant business units
Regulatory and Audit Interaction
Act as primary contact for supervisory authorities Lead AML inspections and audits Ensure timely and effective remediation of findings
What you bring:
University degree in Law, Finance, Economics, or related field Minimum 5 years of professional experience in AML/CTF or Compliance , preferably within insurance or financial services Proven experience in a senior AML or MLRO role In-depth knowledge of: EU AML regulatory framework and local legislation AML/CTF risk management methodologies Life insurance products and associated risks Experience in working with regulators and senior management Experience with using Generative AI (ChatGPT, Copilot etc)
What we offer:
Offer a hybrid work model balancing in-person collaboration and remote work. Provide a comprehensive compensation and benefits package, including bonuses, pension, health insurance, employee shares, and discounts. Support lifelong learning through career development, digital learning programs, and international mobility, fostering innovation and empowerment. Present excellent career opportunities in insurance, asset management, and banking, with active communication across Allianz Group and key functions.
101934 | Legal & Compliance | Professional | Non-Executive | Allianz Bulgaria | Full-Time | Permanent
Allianz Group is one of the most trusted insurance and asset management companies in the world. Caring for our employees, their ambitions, dreams and challenges, is what makes us a unique employer. Together we can build an environment where everyone feels empowered and has the confidence to explore, to grow and to shape a better future for our customers and the world around us.
At Allianz, we stand for unity: we believe that a united world is a more prosperous world, and we are dedicated to consistently advocating for equal opportunities for all. And the foundation for this is our inclusive workplace, where people and performance both matter, and nurtures a culture grounded in integrity, fairness, inclusion and trust. We therefore welcome applications regardless of ethnicity or cultural background, age, gender, nationality, religion, social class, disability or sexual orientation, or any other characteristics protected under applicable local laws and regulations. Join us. Let's care for tomorrow.