MLRO

Overview

Location: Dubai (Onsite)

Responsibilities

• Serve as the appointed MLRO; manage all FIU interactions, including timely STR/SAR submissions via goAML, responses to RFIs, and record‑keeping
• Maintain and continuously improve the AML/CFT framework: enterprise AML risk assessment, policies/procedures, Customer Due Diligence (CDD/EDD), ongoing monitoring, sanctions screening, and transaction monitoring appropriate for an insurance intermediary
• Oversee sanctions/PEP screening operations: list management, alert triage and escalation, quality assurance, and audit trails
• Design and execute the AML monitoring plan and thematic reviews across sales, policy administration, claims support, and partner onboarding
• Lead AML/CFT training and awareness (induction and annual refreshers); maintain training registers and attestations
• Produce AML MI for leadership and the Board: STR volumes/quality, alert SLAs, KYC defect rates, high‑risk customer trends, remedial action status
• Manage incident/breach logs and remedial actions; ensure timely closure and lessons learned
• Advise on higher‑risk customers, products, geographies, and distribution channels; approve risk‑based exceptions with documented rationale
• Coordinate independent AML reviews and support internal/external audits and regulatory inspections
• Own AML tooling and documentation repositories; ensure evidence is organized and exam‑ready

Requirements

• 5 to 8 years in AML/financial crime, including significant UAE experience within insurance (broker/aggregator/insurer) or closely related financial services
• CBUAE MLRO registration achieved previously or immediately eligible for MLRO approval/registration
• Deep knowledge of UAE AML/CFT laws, CBUAE regulations and guidance applicable to insurance intermediaries, and practical experience with goAML
• Demonstrated ability to run CDD/EDD programs, sanctions screening, alert handling, and STR drafting to a high standard
• Strong analytical writing and stakeholder management; comfortable advising commercial teams and senior leadership
• Bachelor’s degree required; AML certifications preferred (e.g., ACAMS, ICA)
• Tools: hands‑on with screening/KYC platforms, case management systems, and Excel/Sheets or BI dashboards for AML MI