Key Responsibilities:

Liquidity and Cash Management: Own liquidity forecasting and cash planning; define liquidity buffers and escalation triggers. Oversee day-to-day treasury operations, bank account structures, cash movements, and payment flows.

Capital / Own Funds Governance: Support own funds monitoring and capital planning aligned with the applicable prudential framework for our company. Prepare capital and liquidity reporting packs for senior management and the Board.

Banking Relationships and Counterparty Risk: Manage key banking relationships, service levels, and operational performance; support selection and onboarding of new banking partners. Monitor counterparty risk and contribute to contingency planning and operational resilience arrangements.

Safeguarding Oversight and Coordination: Partner with Safeguarding and Finance to ensure customer funds safeguarding structures are robust and aligned with operational and control requirements. Support oversight of permitted investment approaches (where applicable) and related reporting and controls.

Reporting, Controls, and Continuous Improvement: Implement and operate treasury controls, reconciliations, and evidence packs; support audits and supervisory requests. Drive continuous improvement and automation of forecasting and treasury reporting workflows.

Key Requirements:

Education: Bachelor’s or Master’s degree in Finance, Treasury, Economics, or a related field.

Experience: 5+ years in treasury, liquidity, capital, or cash management roles within regulated financial services (payments/EMI, fintech, bank, or capital markets). Experience building treasury controls and governance, including Board-ready reporting.

Skills: Strong analytical capability (forecasting, scenario analysis, stress considerations) and strong controls mindset. Excellent stakeholder management, with the ability to operate effectively in a fast-paced, scaling environment.

Languages: Fluent English required

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Key Responsibilities:

• Perform daily safeguarding calculations and reconciliations between customer liabilities and safeguarding accounts (wallets) / permitted safeguarding instruments.
• Ensure reconciliations are complete, accurate, and performed within defined timelines, with appropriate sign-offs.
• Identify breaks and anomalies, investigate root causes, coordinate fixes with Operations, Engineering, Finance, and banking partners, and document outcomes.
• Maintain a structured log of exceptions, root causes, and remediation actions.
• Maintain safeguarding policies, procedures, runbooks, and evidence packs; ensure processes are inspection-ready at all times.
• Support internal and external audits and respond to information requests related to safeguarding and reconciliations.
• Work with banking partners and custodians (as applicable) to ensure statement availability, cut-off alignment, and operational robustness.
• Support contingency procedures for operational disruptions affecting safeguarding processes.
• Drive automation and improvement initiatives to reduce manual effort and operational risk in reconciliation workflows.
• Develop operational KPIs and dashboards to monitor safeguarding performance and exceptions.

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The role partners closely with our Data Officer based in San Francisco and the regulatory reporting team based in Ireland. The tight collaboration will ensure timely, accurate, and auditable reporting to the CSSF and efficient responses to supervisory requests.

Regulatory Reporting Production and Controls

• Own end-to-end production of periodic regulatory and prudential reporting for Bridge Building S.A. (CSSF periodic reports, BCL reports, CRS, CARF and CESOP).
• Implement and operate first-line controls to ensure data completeness, data accuracy, and data timeliness, including reconciliations to the general ledger, sub-ledgers and Bridge Building S.A.'s platform.

Data Governance and Data Quality

• Define reporting data models, lineage, and data dictionaries; maintain consistent definitions for key regulatory metrics.
• Implement data quality rules, exception management, and remediation workflows in collaboration with data owners.

Submission Governance and Regulator Readiness

• Maintain submission procedures, access controls, and audit trails for regulatory transmissions and supervisory requests.
• Support responses to CSSF questions, reporting-related inspections, and remediation plans where issues are identified.

Automation and Scalability

• Drive automation of reporting workflows (e.g. SQL/ETL/BI) to reduce manual effort and operational risk.
• Maintain clear documentation, runbooks, and operational KPIs for reporting processes.

Key Requirements

• Bachelor's or Master's degree in Finance, Data/Analytics, Statistics, Engineering, or a related field.
• 3-5 years in regulatory reporting and/or regulatory data management within regulated financial services (payments/EMI/PI, fintech, bank, or advisory).
• Proven experience implementing reconciliations, data controls, and reporting governance with strong audit discipline.

Skills

• Strong SQL and data transformation skills; ability to translate regulatory requirements into data specifications. Live SQL assessment will be part of the interview.
• Strong controls mindset, attention to detail, and capability to manage deadlines and stakeholders.

Languages

• Fluent English required

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Key Responsibilities:

AML/CTF Compliance Monitoring (2LoD): Support, maintain, and execute an independent, risk-based AML/CTF compliance monitoring and testing programme across Bridge's EMI and CASP perimeter. Perform thematic and control effectiveness reviews covering Customer Due Diligence (CDD)/Enhanced Due Diligence (EDD), transaction monitoring, sanctions/Politically Exposed Persons (PEP) screening, recordkeeping, and governance arrangements. Independently assess the adequacy and effectiveness of first-line controls and document conclusions with clear ratings and recommendations. Issue formal findings, agree remediation actions with the First Line of Defence (1LoD), and independently validate remediation closure through follow-up testing. Escalate material weaknesses or control deficiencies to senior management and governance committees where required.

Investigations and Escalations: Provide second-line review and challenge of higher-risk cases escalated by the first line (high-risk customers, complex typologies, sanctions/PEP matches, internal escalation); support MLRO decisioning and documentation. Conduct or support independent investigations triggered by red flags, audit/regulatory findings, or intelligence from partners; ensure a consistent audit trail in case management tools.

Law Enforcement / Police Requests: Oversee and coordinate responses to police, law enforcement, and competent authority requests in collaboration with the MLRO and Legal. Provide compliance oversight to ensure responses are timely, complete, proportionate, and aligned with regulatory obligations. Maintain governance-level logs, metrics, and reporting relating to external authority requests. Assess whether information requests or intelligence received may indicate systemic control weaknesses or trigger enhanced monitoring requirements.

Policy, Procedures and Program Maintenance: Draft, maintain, and periodically review AML/CTF policies, procedures, and standards for the EMI and CASP perimeter (risk rating, CDD/EDD, transaction monitoring governance, sanctions/PEP, record retention etc.). Contribute to the AML/CTF Business Risk Assessment and annual compliance plan; support governance committees and management reporting.

Advisory and Training: Provide AML/CTF advisory support to Operations, Onboarding, Product, and Engineering teams (new products/process changes, control design, risk mitigations). Support the development and delivery of AML/CTF training and communications, including targeted guidance for high-risk scenarios.

Regulatory Readiness and Reporting: Support responses to CSSF requests, audits, and inspections; prepare monitoring reports, management information (MI/KRIs), and remediation tracking. Stay up to date on changes to AML/CTF laws, CSSF guidance, and financial crime typologies relevant to payments and crypto-asset services.

Key Requirements:

Education: Bachelor’s degree in Law, Compliance, Finance, Business Administration, or a related field.

Experience: At least 4 years of experience in AML/CTF Compliance (second line of defence/compliance monitoring), preferably within an EMI/PI, CASP/VASP, bank, or regulated fintech environment. Demonstrated experience drafting AML/CTF policies and procedures, executing compliance monitoring/testing, supporting MLRO investigations and STR/SAR processes, and handling police/law-enforcement information requests.

Skills: Strong understanding of AML/CTF governance, the three lines of defence model, and second-line compliance monitoring methodologies. Excellent analytical and investigative skills, with the ability to produce clear written assessments and regulatory-ready documentation. Ability to take full ownership of projects from conception to completion within agreed timelines. Proficiency with AML tooling (case management, screening, transaction monitoring); familiarity with blockchain analytics tools is an advantage. Strong communication skills, both written and verbal, in English; French is an asset; knowledge of German and/or Luxembourgish is an advantage.

Certifications: Relevant certifications such as CAMS (Certified Anti-Money Laundering Specialist) or ICA (International Compliance Association) qualifications are considered an advantage.

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