Key Skills

Job Description

About us Torus Mara (torusmara.com) provides cross-border payments and FX between major global markets and Africa. We serve financial institutions, corporates, SMEs and consumers moving money between the US, UK, Canada and the EU and markets including Nigeria, Ghana, francophone West and Central Africa, Kenya, South Africa and Uganda. The group is spread across three continents. Our UK entity, Torus Financial Limited, is authorised by the Financial Conduct Authority as an Electronic Money Institution. Our EU entity, TM Payments BV, is preparing its application to De Nederlandsche Bank (DNB) for an electronic money institution licence, and will become our hub for serving customers across the EU. The role You'll lead compliance and financial crime prevention for the Dutch entity from the start. Our corridors carry elevated financial crime risk, so this role is central to the business, not a box-ticking exercise. You'll work closely with the Managing Director. Across the group, the closest working relationship will be with the compliance and MLRO team at our FCA-authorised UK EMI, Torus Financial Limited. Together you'll share typologies, screening and monitoring approaches and lessons learned, while the Dutch framework and reporting to FIU-Nederland remain yours to own. What you'll do • Be the named Compliance Officer in our DNB licence application, and support the fit-and-proper process • Build and own the Dutch AML/CFT and sanctions framework, including the systematic integrity risk analysis (SIRA), CDD/EDD procedures and transaction monitoring • Report unusual transactions to FIU-Nederland and act as the main contact on Wwft and Sanctiewet matters • Adapt group policies for the Dutch and EU framework, and oversee compliance with the safeguarding and outsourcing requirements • Train staff and report to the board on compliance risk What you'll bring • Compliance or AML leadership experience at an EMI or payment institution (PI) • A strong working knowledge of the Wwft, the Sanctiewet and EU AML rules, including the incoming AMLA regime • Experience of cross-border payments or high-risk corridors • Proficient use of AI tools to work more efficiently across monitoring, research and documentation, with sound judgement on data protection, oversight and where human review is essential • Experience of African corridors (a plus, not essential) • You live in the Netherlands, can travel to Amsterdam regularly, and can increase your hours once we're licensed Why join You'll build a compliance function from scratch at a regulated, growing payments business, with real ownership and senior backing. The appointment is subject to DNB screening. To apply, send us your CV and a short note on a financial crime framework you've built or improved.

Core Responsibilities

Lead compliance and financial crime prevention for the Dutch entity, including building its AML/CFT and sanctions framework, overseeing monitoring and due diligence, and reporting unusual transactions to FIU-Nederland. Adapt group policies to Dutch and EU requirements, oversee safeguarding and outsourcing compliance, train staff, and report compliance risks to the board.

Requirements

The role requires compliance or AML leadership experience at an electronic money institution or payment institution, strong knowledge of Dutch and EU AML and sanctions rules, and experience with cross-border payments or high-risk corridors. The candidate must live in the Netherlands, be able to travel to Amsterdam regularly, use AI tools responsibly, and be able to increase working hours after licensing; African corridor experience is a plus.