Company: Affirm
Location: Netherlands (Remote)
Work Type: Full-time, remote-first
Team: EU Compliance
Reports To: EU Compliance Director
About Affirm
Affirm is transforming credit by offering transparent, consumer-friendly financing solutions. As the company expands across Europe, its EU Compliance team ensures regulatory adherence while enabling responsible innovation and strong consumer outcomes.
Role Overview
Affirm is seeking an experienced Regulatory Compliance Manager / Money Laundering Reporting Officer (MLRO) to lead and oversee its EU Financial Crime Compliance Framework.
You will serve as the primary point of contact for financial crime matters, including anti-money laundering (AML), fraud, and sanctions compliance. This role ensures that Affirm B.V. meets its regulatory obligations under Dutch and EU law while remaining aligned with global compliance standards.
Key Responsibilities
🛡️ Financial Crime Framework Leadership
- Design, implement, and maintain Affirm’s EU Financial Crime Compliance Framework
- Ensure adherence to Dutch and EU legislation, including the Wet ter voorkoming van witwassen en financieren van terrorisme (Wwft) and related AML regulations
- Maintain alignment with Affirm’s global compliance standards
📋 Policies, Controls & Risk Assessment
- Develop and maintain AML, fraud, and sanctions policies and procedures
- Establish and oversee a robust KYC risk assessment framework
- Ensure controls are proportionate, risk-based, and effective
🔍 Oversight & Reporting
- Support and challenge first-line teams on onboarding, transaction monitoring, and screening processes
- Oversee suspicious activity reporting to FIU-Nederland
- Ensure timely and accurate regulatory submissions
🤝 Cross-Functional Advisory
- Advise Product, Risk, Engineering, and business teams on financial crime compliance
- Balance regulatory requirements with operational and product objectives
📚 Monitoring & Awareness
- Drive training and awareness programs across teams
- Monitor regulatory developments and update internal frameworks proactively
What We’re Looking For
Experience
- 6+ years in financial crime compliance, AML, or risk management
- Experience within regulated consumer credit, BNPL, fintech, or payments
- Prior experience as a (Deputy) MLRO strongly preferred
- Proven experience designing and maintaining financial crime frameworks
Expertise
- Advanced knowledge of Dutch Wwft, EU AML regulations, and sanctions requirements
- Experience conducting compliance testing and risk assessments independently
Skills & Attributes
- Strong analytical, project management, and critical thinking skills
- Excellent cross-functional collaboration and stakeholder communication
- Detail-oriented with strong organizational capabilities
- Proactive and solutions-driven mindset
Mindset
- Innovative leader with a strong compliance culture orientation
- Strong interest in fintech and consumer financial protections
- Fluent English required; Dutch is a plus
Compensation
Netherlands Base Salary:
€83,000 – €123,000 annually
Equity: Eligible for equity awards from Affirm Holdings, Inc.
Benefits Highlights
- Flexible Spending Wallets (tech & lifestyle)
- Wellness “Away Days”
- Learning & Development programs
- Parental benefits
- Employee Resource Groups
- Comprehensive health coverage
- ESPP (Employee Stock Purchase Plan)
- Remote-first flexibility
Additional Information
- Visa sponsorship is not available
- Affirm supports inclusive hiring and provides reasonable accommodations throughout the recruitment process
Disclaimer:
This summary is for informational purposes only. Final compensation and employment terms are determined by the employer.