Money Laundering Reporting Officer (MLRO) – Sweden

About the role

Ramp is looking for an experienced Money Laundering Reporting Officer (MLRO) to lead the AML/CTF program for Billhop AB, its Swedish‑regulated payment institution. The role is defined under Swedish law as Centralt funktionsansvarig (CF) and carries full responsibility for AML oversight, suspicious activity reporting, and regulator liaison.

Key responsibilities

• Design, implement and continuously improve Billhop AB’s AML/CTF policies, risk assessments and transaction monitoring framework.
• Act as the primary contact with Finansinspektionen, handling supervisory correspondence, periodic reporting and licensing support.
• Evaluate and file Suspicious Transaction Reports (STRs) and provide final sign‑off on high‑risk onboarding, transaction monitoring escalations and sanctions alerts.
• Deliver the annual AML/CTF training programme for board members, senior management and operational teams.
• Prepare and present the MLRO report to the Billhop AB board and coordinate cross‑border compliance projects with Ramp’s global teams.

Required profile

• 8+ years of experience in financial services compliance, AML or related regulatory advisory roles, preferably in fintech.
• Native or fluent Swedish and fluent English, both written and spoken.
• Proven senior‑level AML advisory or deputy compliance experience at a Swedish‑regulated entity.
• Demonstrated ability to work independently as the sole compliance lead, making judgment calls on filing and escalation decisions.
• Deep knowledge of Finansinspektionen’s supervisory expectations and experience interfacing with regulators and banking partners.

What we offer

• Flexible PTO and home‑office equipment ordering.
• Comprehensive health, dental and vision coverage, plus a fertility HRA and parental leave up to 16 weeks at 100 % pay.
• 401(k) with employer match (US), RRSP/DPSP with match (Canada), and pension options in the UK.
• Relocation assistance to NYC or SF if required.
• Weekly coffee stipend, in‑office meals, snacks and drinks.