AML/CFT Officer (MLRO) - BKT Pay

AML/CFT Officer (MLRO) 

Compliance & Risk Department · Tirana · Full-time 

About us 

BKT Pay is an Electronic Money Institution licensed by the Bank of Albania and part of the BKT group. Through the epara app we offer digital payments and e-money services to individuals and businesses. We are a small, fast-moving team. 

The role 

This is a management-level position. You will lead our AML/CFT function and be appointed as BKT Pay’s person responsible for the prevention of money laundering and terrorist financing (MLRO), reporting to the head of the Compliance & Risk Department, with direct access to the CEO and the Board. You will own day-to-day AML controls and the relationship with the Financial Intelligence Agency (FIA) on AML matters. 

Key responsibilities 

• Act as MLRO: assess unusual activity, decide on and file Suspicious Activity Reports, and handle FIA requests and blocking orders. 

• Own transaction monitoring: design, test and tune monitoring scenarios and thresholds for e-money and payment risks, and manage alert handling. 

• Review high-risk onboarding cases, sanctions-screening hits and monitoring alerts. 

• Maintain the business-wide ML/TF risk assessment, AML/CFT policy and KYC procedures. 

• Assess ML/TF risk of new products and features before launch. 

• Deliver AML/CFT training, report to management and the Board, and support Bank of Albania and FIA inspections. 

• Support the head of the department on wider compliance and risk work (regulatory monitoring, policies, operational risk) and act as a key member of the department’s management. 
  
  
  

Requirements 

• Bachelor’s degree in Law, Economics, Finance or related field. 

• At least 4 years of AML/CFT experience in a bank, EMI, payment institution or other regulated financial institution (5 years preferred). 

• Good knowledge of Albanian AML/CFT legislation and Bank of Albania regulations applicable to e-money and payment institutions. 

• Practical experience with KYC/CDD/EDD, sanctions screening and SARs. 

• Experience leading AML cases, or acting as deputy MLRO. 

• Proven experience in transaction monitoring, including building or tuning scenarios; good knowledge of digital-payment ML and fraud typologies. 

• Fluent Albanian and English. 

• High integrity, sound judgement and strict confidentiality. 
  
  
  

Nice to have 

• CAMS, ICA or similar certification. 

• Experience in compliance and/or fraud risk management. 

• Fintech, e-money or digital onboarding background. 
  
  
  

What we offer 

• A key role with real ownership in a growing fintech backed by a strong banking group. 

• Competitive salary and benefits, plus training and certification support