Hybrid with 2 days working from home per week
Step into the heart of European fintech as an AML/KYC Officer in Luxembourg—where you'll fuse regulatory precision with startup pace, owning due diligence, sanctions, and KYC strategy in a fast-scaling, cross-functional environment.
Our mission
3S Money is reinventing international business banking. Founded in 2018, our mission is to help growing businesses send, receive and exchange money in over 190 countries. With offices in five countries and over 200 employees, you’ll be joining a high-energy, high-impact team that’s achieved profitability and has a wealth of opportunity ahead.
3S Money is reinventing international business banking. Founded in 2018, our mission is to help growing businesses send, receive and exchange money in over 190 countries. With offices in five countries and over 200 employees, you’ll be joining a high-energy, high-impact team that’s achieved profitability and has a wealth of opportunity ahead.
Our culture
At 3S Money, we believe in caring personally, staying curious and making an impact through collaboration not competition. Our culture is genuinely transparent with minimal hierarchy and a commitment to each employee’s professional growth.
At 3S Money, we believe in caring personally, staying curious and making an impact through collaboration not competition. Our culture is genuinely transparent with minimal hierarchy and a commitment to each employee’s professional growth.
What you’ll be doing
Draft comprehensive and well-substantiated Suspicious Activity Reports (SARs) and Suspicious Transaction Reports (STRs) for internal review, ensuring that all cases are accurately documented.
Perform Enhanced and Standard Due Diligence on new and existing clients, drafting clear risk assessments for senior approval.
Investigate sanctions and transaction monitoring alerts, escalating genuine hits with crisp rationale to the MLRO.
Maintain the Luxembourg KYC/EDD playbook, ensuring alignment with CSSF Regulation 12/02, FATF guidelines, and EU sanctions updates.
Liaise daily with Sales, Product and Operations teams to balance client experience with robust risk controls.
File Internal Suspicious Activity Reports (ISARs) and support the MLRO in preparing external SARs to the CRF.
Deliver periodic AML training and QC feedback to analysts across our EU hubs.
About you, you have
Minimum of 3 years’ experience in AML investigations following Luxembourg regulatory standards.
Strong working knowledge of EU/UK sanctions regimes and CSSF AML regulations.
Proven ability to interpret complex corporate structures and spot red‑flag patterns.
Sharp written skills, with the ability to distil dense data into concise, executive-ready reports.
A proactive, ownership mindset; you’re happiest in a scale-up where processes evolve fast.
Experience within a Fintech, Electronic Money Institution, or other innovative financial service provider is highly desirable.
Fluency in English to communicate to the rest of the international team, any other language would an additional benefit for the team.
In return for your hard work:
Competitive Salary + plus stock options (after 12 months) & benefits
Hybrid working setup in our wonderful city-centre office
We foster non-BAU projects in our team, we want you to explore new avenues and expand your expertise to benefit your professional pathway & our teams.
➕ And much, much more….
Competitive Salary + plus stock options (after 12 months) & benefits
Hybrid working setup in our wonderful city-centre office
We foster non-BAU projects in our team, we want you to explore new avenues and expand your expertise to benefit your professional pathway & our teams.
➕ And much, much more….
Our commitment to you
We are an equal opportunities employer.
We make recruiting decisions based on your experience, skills and personality. Our passion and focus will always be to work with the best people. We’re creating services for everyone, so it’s imperative we work with everyone. Our diverse team has been the foundations to our success in building more efficient products, making better decisions and establishing an all-inclusive place to work. Applicants of all backgrounds are hugely encouraged to apply and discover the 3S way.
We are an equal opportunities employer.
We make recruiting decisions based on your experience, skills and personality. Our passion and focus will always be to work with the best people. We’re creating services for everyone, so it’s imperative we work with everyone. Our diverse team has been the foundations to our success in building more efficient products, making better decisions and establishing an all-inclusive place to work. Applicants of all backgrounds are hugely encouraged to apply and discover the 3S way.
Department
Financial Crime & Compliance
Locations
Luxembourg
Remote status
Hybrid
Employment type
Full-time
CONTACT
Robyn Lewin
Global Talent Lead – People Team
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