Compliance Manager (MLRO)

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest.

Affirm’s EU Compliance team designs and implements a compliance program that proactively addresses regulatory requirements while also identifying potential compliance issues that may arise. Compliance program activities include advisory, training, testing & monitoring, reporting and oversight. Although a second line of defence, compliance partners with the business to support new products, markets, and initiatives, as well as issue identification, remediation plans and risk assessment. Compliance uses multiple data sources to enable informed decision making, strengthen controls and provide good outcomes for consumers.

As Affirm continues expanding across Europe, we’re seeking an experienced Regulatory Compliance Manager / Money Laundering Reporting Officer (MLRO) to lead and oversee its Financial Crime Compliance Framework. You will act as the first point of contact for financial crime matters, including anti-money laundering, fraud and sanctions. You will ensure that Affirm B.V. complies with its financial crime obligations, while maintaining alignment with Affirm’s global standards. This remote-eligible role reports to the EU Compliance Director.

What You’ll Do

• Own and oversee the design, implementation and maintenance of Affirm’s EU Financial Crime Compliance Framework, ensuring adherence to local regulatory requirements (eg. Wwft and related EU legislation).

• Develop and maintain AML, fraud and sanction related policies, procedures, and controls, ensuring these are proportionate, risk-based, and aligned with Affirm’s global compliance standards.

• Advise on compliance and financial crime matters across functions including Product, Risk and Engineering, helping balance regulatory obligations with business objectives.

• Develop and maintain a KYC risk assessment framework.

• Support and challenge first-line operations in managing financial crime risks, including customer onboarding, transaction monitoring, and screening processes.

• Be responsible for reporting of suspicious activity, ensuring timely and accurate submissions to FIU-Nederland.

• Drive awareness and accountability through training, communication, and proactive engagement across teams.

• Monitor regulatory developments and recommend updates to internal frameworks to maintain ongoing compliance readiness.

• Other duties as assigned.

What We Look For

• Experience:

• 6+ years of experience in financial crime compliance, AML or risk management, ideally within NL-regulated consumer credit / Buy Now Pay Later (BNPL), fintech or payments.

• Prior experience as a (deputy) MLRO is strongly preferred.

• Proven experience designing and maintaining financial crime frameworks, including risk assessments, policies, and monitoring programs.

• Expertise: Advanced knowledge of applicable laws, regulations, requirements, best practices, and regulatory trends that impact Affirm’s business, including in relation to the Dutch Wwft, EU AML Regulations and sanctions regulations.

• Skills:

• Subject matter expert in completing end-to-end compliance testing and/or assessment activities with limited oversight.

• Advanced project management, critical thinking, and analytical skills.

• Excellent ability to collaborate cross-functionally and communicate complex regulations to functional leadership, while demonstrating strong organizational and relationship management skills with a detail-oriented and thorough approach.

• Inquisitive and proactive in proposing creative and effective solutions.

• Mindset:

• Proactive and innovative mindset with proven experience in leading initiatives and driving a culture of compliance within an organization.

• A strong interest in fintech and consumer financial protections.

• Fluent in English; Dutch language skills are a plus.