Laundering Reporting Officer

Responsibilities

Act as the designated Money Laundering Reporting Officer (Reporting Officer) in accordance with applicable AML/CFT legislation, with responsibility for receiving, assessing, documenting, and determining whether suspicious activity must be externally reported to the Financial Intelligence Unit.

Serve as the central point of receipt for internal suspicious activity reports and exercise independent judgment in evaluating whether such activity gives rise to knowledge, suspicion, or reasonable grounds for suspicion.

Prepare, submit, and retain records of all suspicious transaction/activity reports, ensuring confidentiality, independence, and compliance with statutory reporting timelines and record‑keeping requirements.

Maintain oversight of suspicious activity trends arising from client onboarding, due diligence, ongoing monitoring, sanctions screening, politically exposed persons assessments, and high‑risk relationships, and escalates material concerns to the Chief Compliance Officer and senior management as appropriate.

Monitor and interpret legislative and regulatory developments relevant to AML/CFT reporting obligations and suspicious activity disclosure, and advise the Chief Compliance Officer of material changes impacting the organisation’s financial crime risk profile.

Provide reporting‑driven risk insights and recommendations to support the Chief Compliance Officer in the enhancement of the AML/CFT framework, without assuming responsibility for its design, implementation, or monitoring.

Participate in enterprise‑wide AML/CFT risk assessments by contributing analysis of suspicious activity data, typologies, emerging risks, and regulatory reporting outcomes.

Support the Chief Compliance Officer in the review of higher‑risk clients, structures, transactions, and jurisdictions by providing input derived from reporting activity and financial crime risk assessments.

Prepare focused MLRO reports for senior management and the Board of Directors addressing suspicious activity trends, reporting volumes, typologies, material risks, and regulatory engagement, where required.

Act as the primary point of contact with the Financial Intelligence Unit and relevant competent authorities in matters relating specifically to suspicious activity reporting and related financial crime investigations.

Cooperate with regulatory examinations, inspections, and audits insofar as they relate to AML/CFT reporting obligations, disclosures, and MLRO responsibilities.

• Degree in business, law, finance, or another relevant discipline.
• Professional certification in AML/CFT or financial crime compliance (e.g. ACAMS, ICA, or equivalent).
• Minimum 4 years’ experience in an AML/CFT or financial crime role within the financial services industry, preferably including experience as, or in support of, a Money Laundering Reporting Officer / Reporting Officer.

• Strong working knowledge of AML/CFT legislation, suspicious activity reporting obligations, sanctions regimes, and financial crime typologies.
• Knowledge of the St. Kitts & Nevis financial services regulatory environment and supervisory expectations.
• Experience using client screening and monitoring tools (e.g. World-Check or similar platforms).
• Strong ability to interpret and apply sanctions, PEP, and high-risk jurisdiction requirements.
• Demonstrated ability to assess, document, and escalate suspicious activity using sound professional judgment.
• Excellent organisational skills with the ability to manage multiple priorities, meet regulatory deadlines, and work effectively under pressure.
• Proven experience in leading, supervising, coaching, and mentoring staff.
• Strong initiative, sound judgment, and the ability to work independently.
• Proven project management skills and experience contributing to regulatory or risk-related initiatives.
• Excellent written, verbal, and interpersonal communication skills, including the ability to prepare clear reports for senior management, Boards, and regulators.
• Strong team orientation with the ability to work constructively across functions.
• Professional, positive, and ethical approach, with a strong commitment to the organisation’s core values and regulatory obligations.
• Experience contributing to, or delivering, AML/CFT awareness or reporting-related training would be an asset (without ownership of the broader compliance training programme).