Job Description

Role Overview:

The Compliance Officer / MLRO is responsible for overseeing the company's Anti-Money Laundering (AML) and Counter Financing of Terrorism (CFT) programs in full compliance with Qatar Central Bank (QCB) regulations. Operating under a digital BNPL model, the MLRO plays a critical role in designing and managing transaction monitoring systems, conducting investigations, reporting suspicious activity, and ensuring that all AML/CFT measures are robust and up to date. The MLRO is the designated point of contact with the QCB's Financial Intelligence Unit (FIU) and plays a strategic and operational role in safeguarding from financial crime. The Compliance Officer / MLRO is also responsible for developing, implementing, and overseeing the company's compliance framework to ensure full alignment with Qatar Central Bank (QCB) regulations, including AML/CFT obligations, and data protection laws. The ideal candidate will have a deep understanding of QCB regulatory frameworks, fintech compliance standards, and experience working in a regulated financial services or payment environment.

Key Responsibilities:

Develop and implement a comprehensive AML/CFT compliance framework aligned with QCB requirements and global best practices. Act as the principal liaison with the QCB's Financial Intelligence Unit (FIU), submitting Suspicious Transaction Reports (STRs) and responding to regulatory inquiries. Conduct ongoing risk assessments of customers, products, and services to identify potential areas of money laundering and terrorism financing risk. Oversee the setup and continuous improvement of transaction monitoring systems
tailored to BNPL user behavior and merchant activity.

Investigate alerts and suspicious patterns arising from KYC, onboarding, repayment
cycles, and transactional data.

Maintain detailed records of AML investigations, audit trails, and STR filings. Ensure all onboarding, customer due diligence (CDD), and enhanced due diligence
(EDD) processes are aligned with QCB guidelines

Design, implement, and maintain a robust compliance management system tailored
to BNPL operations and fintech risks.

Serve as the primary liaison with the Qatar Central Bank (QCB) and other regulatory
bodies, managing correspondence, filings, sandbox testing protocols, and licensing

obligations.

Conduct periodic compliance risk assessments across departments and business
processes to proactively identify and mitigate regulatory risks.

Oversee product and marketing compliance reviews to ensure transparency,
fairness, and customer protection

Ensure the company's digital systems and third-party integrations (e.g., payment
gateways, KYC/AML vendors) meet regulatory standards for data security,

transaction monitoring, and consumer disclosures.

Lead and deliver compliance training programs for staff across all levels, fostering a
culture of awareness and ethical responsibility.

Monitor regulatory changes in Qatar and across the MENA region and assess their
implications on business operations.

Prepare and submit regulatory reports, audit responses, and compliance
documentation to internal and external stakeholders.

Support due diligence processes for vendors, merchants, and partners to mitigate
third-party compliance risks

Ensure the company's digital systems and third-party integrations (e.g., payment
gateways, KYC/AML vendors) meet regulatory standards for data security,

transaction monitoring, and consumer disclosures.

Monitor regulatory changes in Qatar and across the MENA region and assess their
implications on business operations.

Prepare and submit regulatory reports, audit responses, and compliance
documentation to internal and external stakeholders.

Support due diligence processes for vendors, merchants, and partners to mitigate
third-party compliance risks

Key Competencies & Skills:

Expertise in regulatory compliance and risk management (QCB-specific) Strong analytical and investigative skills High attention to detail and documentation accuracy Clear and confident communication with regulatory bodies and internal
stakeholders

Ability to interpret legal and regulatory language into actionable business guidance Collaborative, ethical, and solutions-driven approach
Job Type: Full-time