USD per year
Money Laundering Reporting Officer (MLRO) - Luxembourg
- Remote - Luxembourg
- Legal
About the role
About the Role As Shopify seeks our EU Electronic Money Institution (EMI) license, we are looking for a strategic and experienced compliance MLRO to lead our local Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) efforts. You will be responsible for the licensing process, and, post-licensure, the day-to-day AML/CTF execution and suspicious reporting governance to ensure our local compliance program is meeting regulatory expectations. Team Overview Within the Shopify Legal Team, the Compliance Team aims to ensure that Shopify is compliant with regulatory and contractual commitments while remaining agile to encourage growth and innovation. As Shopify continues to expand its financial products and services, we’re also expanding our Compliance Program to support Shopify’s mission of making commerce better for everyone. Our team’s mission is to implement and enforce policies and procedures that ensure Shopify complies with applicable laws and regulations so our merchants, partners, and third parties can trust us. Key responsibilities
- Lead effort to obtain EMI license in Luxembourg, including designing our AML/CTF program to align with Luxembourg's financial crimes regulations.
- Act as a key interface for the The Commission de Surveillance du Secteur Financier (CSSF) and other relevant authorities on financial crime topics (information requests, meetings, supervisory engagement).
- Own and maintain the local entity’s risk-based AML/CTF program (risk assessment, policies, procedures, controls, and governance cadence).
- Lead Luxembourgian suspicious activity governance: receive internal escalations, make SAR filing decisions, submit SARs to the Cellule de Renseignement Financier (CRF), and manage post-filing confidentiality and follow-up.
- Oversee Luxembourgian AML operations performance and effectiveness, including KYC/CDD/EDD standards, investigations, transaction monitoring and screening governance, and quality assurance/testing.
- Provide regular reporting to senior management and the entity’s board; escalate material issues promptly.
- Maintain audit/exam readiness and drive remediation of findings.
Job requirements
- Significant AML/CTF leadership experience in an EU-regulated or EU-facing financial institution (payments/e-money strongly preferred), including ownership of a risk-based AML program.
- Direct MLRO experience (or demonstrably equivalent responsibility) including SAR decisioning and filing and management of SAR confidentiality constraints.
- Strong working knowledge of EU AML expectations for payments/e-money firms, including CDD/EDD, transaction monitoring, sanctions screening governance, investigations, and recordkeeping.
- Experience working collaboratively in building or scaling AML controls for new products, high-growth volumes, or distributed operations teams.
- Demonstrated ability to work effectively with a management board and to provide concise, defensible escalation and reporting.
- Experience engaging with regulators/supervisors and managing audit/exam activity and remediation.
- Ability to meet “fit and proper” expectations for a regulated key control role (including background screening).
- Ability to travel for in-person meetings, as needed (e.g., with regulators, financial partners).
Nice to have:
- Experience working with EU supervisors or FIUs; familiarity with Luxembourg-specific regulatory expectations.
- Ability to work professionally in Luxembourg.
- CAMS / ICA or comparable certification.
About Shopify
Opportunity is not evenly distributed. Shopify puts independence within reach for anyone with a dream to start a business. We propel entrepreneurs and enterprises to scale the heights of their potential. Since 2006, we’ve grown to over 8,300 employees and generated over $1 trillion in sales for millions of merchants in 175 countries. This is life-defining work that directly impacts people’s lives as much as it transforms your own. This is putting the power of the few in the hands of the many, is a future with more voices rather than fewer, and is creating more choices instead of an elite option.
About you
Moving at our pace brings a lot of change, complexity, and ambiguity—and a little bit of chaos. Shopifolk thrive on that and are comfortable being uncomfortable. That means Shopify is not the right place for everyone. Before you apply,...
Location Information
Remote work available; position located in Luxembourg.
Employment Type
Not explicitly stated; implied full-time professional role.
Experience Level
Senior level requiring significant leadership experience in AML/CTF within EU-regulated or EU-facing financial institutions.
Skills / Requirements Summary
- Leadership experience in AML/CTF compliance programs within EU-regulated environments.
- Direct MLRO experience including SAR decisioning/filing.
- Strong knowledge of EU AML regulations related to payments/e-money.
- Experience scaling AML controls in high-growth or distributed teams.
- Ability to engage regulators/supervisors effectively.
- Fit & proper status eligibility including background screening.
- Travel availability for meetings.
- Nice-to-have certifications: CAMS / ICA or comparable.
- Familiarity with Luxembourg-specific regulatory environment preferred.
Shopify is a leading global commerce company, providing trusted tools to start, grow, market, and manage a retail business of any size. Shopify makes commerce better for everyone with a platform and services that are engineered for reliability, while delivering a better shopping experience for consumers everywhere. Shopify powers millions of businesses in more than 175 countries and is trusted by brands such as Allbirds, Gymshark, PepsiCo, Staples, and many more.
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