Compliance Manager, MLRO (Fintech)

Location: Barcelona, Spain

Company

Airwallex provides an AI-native financial operating system and regulated global payments infrastructure for businesses and financial product providers.

What you will do

• Serve as MLRO and Representante ante el SEPBLAC for the Spanish Branch Office.
• Act as the primary local contact for SEPBLAC, Banco de España, law enforcement agencies, and other relevant authorities.
• Maintain local AML/CTF and sanctions oversight under Spanish and EU regulatory requirements.
• Oversee suspicious activity escalation, assessment, documentation, and reporting to SEPBLAC.
• Advise sales, commercial, product, operations, data, and legal teams on Spain-specific financial crime risks.
• Manage compliance reporting, audits, regulatory reviews, risk assessments, and remediation activities.

Requirements

• 5+ years of financial crime compliance experience, including MLRO or Representante ante el SEPBLAC experience in a regulated financial institution, payment institution, or fintech.
• Knowledge of Spanish AML/CTF requirements under Ley 10/2010 and RD 304/2014, SEPBLAC, OCI, Banco de España, EU AML frameworks, and sanctions requirements.
• Experience with suspicious activity escalations, STR filings, regulatory correspondence, branch notifications, or supervisory inspections.
• Business-level Spanish and English; Spanish regulatory correspondence and compliance documentation skills are essential.
• Bachelor’s degree in Law, Finance, Business, or a related field is preferred.

Nice to have

• Experience supporting a Spanish branch or cross-border operation of a foreign-licensed financial or e-money institution.
• Payments, fintech, e-commerce, card issuing, acquiring, or embedded finance experience.
• CAMS, ICA Diploma, CGSS, or another recognised compliance or financial crime certification.
• Experience working across regional or global FCC teams and multiple jurisdictions.
• Experience with EU and UN sanctions frameworks and SEPBLAC guidance.

Culture & Benefits

• Work within a global Financial Crime Compliance function using a Three Lines of Defense model.
• Collaborate with compliance, legal, commercial, product, operations, data, and internal audit teams.
• Support the launch and long-term operation of a Spanish branch serving Spain and Southern Europe.
• Work in a regulated financial infrastructure company operating across North America, Europe, the Middle East, and Asia-Pacific.