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# Money Laundering Reporting Officer, AML

Review the role, location requirements, compensation details, and application process before deciding whether this opportunity fits your next career move.

[Apply for this job](#job-application)[View company](https://jobicy.com/company/ramp.md)Share23 Sep 2026Published57Listing views2Application actions23 Oct 2026Apply before  Opportunity details

## About this role.

AI SummaryRamp seeks a senior, standalone Money Laundering Reporting Officer / Centralt funktionsansvarig for its Swedish-regulated payment institution, Billhop AB. The role owns AML/CTF program oversight, suspicious transaction reporting, high-risk customer and sanctions decisions, regulatory engagement with Finansinspektionen, and board reporting. It requires at least eight years of relevant financial-services compliance experience, deep knowledge of Swedish regulatory expectations, and fluent Swedish and English. This is a high-accountability fintech compliance leadership position that collaborates with local leadership and Ramp’s international Compliance, Legal, and Engineering teams.

## Role DNA

A quick view of the complexity, pace, ownership and collaboration implied by the job description.

### Job Complexity

5/5EasyHard

### Pace & Pressure

5/5RelaxedFast-paced

### Autonomy Level

5/5GuidedFull ownership

### Communication Load

5/5IndependentCollaborative

AI insightThe MLRO is the legally defined independent AML function holder, making consequential filing, escalation, and program-governance decisions for a Swedish-regulated payment institution. Success requires senior regulatory judgment, direct regulator engagement, and the ability to operate independently in a fast-moving payments environment.

## Salary analysis

Estimated compensation compared with the broader SEK market for similar roles.

Estimated job medianMarket rateSEK984,000SEK market rangeSEK800k–SEK1250k0SEK1375k

AI insightThe disclosed annual salary range is SEK 836,400–1,131,600, with a midpoint of SEK 984,000. The estimated local Swedish market range for a senior standalone MLRO in fintech/payments is approximately SEK 800,000–1,250,000 annually; the disclosed range is competitive for this specialist compliance leadership role.

## Core skills

Skills and capabilities most closely associated with this opportunity.

[AML/CTF compliance](https://jobicy.com/jobs?search_keywords=AMLCTF%20compliance.md)[Money laundering reporting](https://jobicy.com/jobs?search_keywords=Money%20laundering%20reporting.md)[Suspicious transaction reporting](https://jobicy.com/jobs?search_keywords=Suspicious%20transaction%20reporting.md)[Finansinspektionen regulation](https://jobicy.com/jobs?search_keywords=Finansinspektionen%20regulation.md)[Financial crime risk](https://jobicy.com/jobs?search_keywords=Financial%20crime%20risk.md)[Transaction monitoring](https://jobicy.com/jobs?search_keywords=Transaction%20monitoring.md)[Sanctions screening](https://jobicy.com/jobs?search_keywords=Sanctions%20screening.md)[Payments compliance](https://jobicy.com/jobs?search_keywords=Payments%20compliance.md)[Regulatory reporting](https://jobicy.com/jobs?search_keywords=Regulatory%20reporting.md)[Compliance governance](https://jobicy.com/jobs?search_keywords=Compliance%20governance.md)

Sample interview questionsHow would you approach your first 90 days as Billhop AB's MLRO?I would first validate the current AML/CTF risk assessment, governance model, policies, monitoring controls, case-management process, and outstanding regulatory commitments. I would meet the board, management, operational teams, and group stakeholders to clarify decision rights and reporting lines. I would then prioritize remediation based on regulatory risk, establish a clear MI and board-reporting cadence, and document a practical roadmap for strengthening the program.

Describe how you decide whether to file a Suspicious Transaction Report with Finanspolisen.

I would assess the facts against the customer profile, expected activity, transaction patterns, adverse information, and relevant typologies, while ensuring the investigation is documented and timely. The standard is reasonable grounds for suspicion rather than proof of criminal conduct. I would make an independent decision, file without tipping off the customer where warranted, and ensure appropriate post-filing monitoring or account actions are considered.

How would you manage a disagreement with commercial leadership over a high-risk onboarding decision?

I would clearly explain the specific AML, sanctions, and regulatory risks, the evidence supporting my position, and any proportionate mitigants that could make onboarding acceptable. If the residual risk remains outside the entity’s risk appetite or legal obligations, I would exercise the MLRO function’s independent authority to decline or escalate the case. I would document the rationale and communicate it constructively so that commercial objectives do not override compliance obligations.

What controls are most important for a high-velocity digital payments business?

The control framework should combine strong customer due diligence and beneficial-ownership verification with risk-based onboarding, real-time or near-real-time transaction monitoring, sanctions and PEP screening, alert governance, and robust suspicious activity escalation. It should also include clear risk segmentation, data-quality controls, tuning and validation of monitoring scenarios, and periodic review of emerging payment-fraud and money-laundering typologies. Board-level governance and meaningful management information are essential to demonstrate effectiveness.

How have you used AI responsibly to improve an AML program?

I would use AI to support triage, information gathering, alert summarization, quality assurance, and identification of unusual patterns, while retaining accountable human review for material decisions. Before deployment, I would assess data quality, explainability, privacy, model risk, bias, and auditability. I would measure outcomes such as false-positive reduction, detection quality, investigator productivity, and escalation accuracy, with controls for ongoing monitoring and change management.

### About Ramp

Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $200B in annualized spend flows in and out of 70,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books.

The problems are high-stakes, data-dense, and unforgiving.

We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome.

The median Ramp customer saves 5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same.

If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it.

### About the Role

Ramp is seeking an experienced Money Laundering Reporting Officer (MLRO) for Billhop AB, our Swedish-regulated Payment Institution. Under Swedish law, this role is legally defined as Centralt funktionsansvarig (CF) — the independent function holder responsible for day-to-day AML oversight and for reporting suspicious activity directly to Finanspolisen (the Swedish Financial Intelligence Unit). This is a standalone, high-accountability compliance leadership role: you will own Billhop AB’s AML/CTF program and Compliance oversight, act as the primary point of contact for Finansinspektionen (FI), and serve as the gatekeeper protecting Ramp’s Swedish entity from financial crime.

### What You’ll Do

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Serve as Billhop AB’s MLRO / Centralt funktionsansvarig, with independent authority over AML/CTF program design, execution, and effectiveness

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Act as primary regulatory contact with Finansinspektionen, managing supervisory correspondence, periodic reporting, and support licensing efforts

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Evaluate and file Suspicious TransactionReports (STRs)

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Provide final sign-off on high-risk onboarding, transaction monitoring escalations, and sanctions alerts

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Partner closely with Billhop AB’s management team including the Specially appointed executive to ensure seamless alignment between executive oversight and day-to-day AML operations

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Own and deliver the annual AML/CTF training program for local board members, management, and relevant operational teams handling Swedish accounts

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Manage the entity’s internal reporting channels for potential AML/CTF infractions

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Maintain and evolve the AML/CTF risk assessment, policies, and procedures, including NPAP review for new products

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Prepare and present the MLRO report to the Billhop AB board and leadership

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Partner with Ramp’s broader Compliance, Legal, and Engineering teams (US/UK) on cross-border projects

### What You Need

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8+ years of financial services experience in compliance, AML, or related regulatory advisory roles, preferably in fintech

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Native or fluent Swedish and fluent English, written and verbal (non-negotiable)

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AI Fluency and demonstrated experience leveraging AI to build and scale AML programs

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Deep working knowledge of the FI’s supervisory expectations

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Significant senior-level AML advisory or deputy compliance experience at a Swedish-regulated entity

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Direct experience interfacing with regulators and bank partners

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Comfort operating as a standalone compliance lead with independent judgment on filing/escalation decisions

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Fintech or payments domain experience (card issuing, corporate expense, high-velocity digital transaction monitoring) strongly preferred over traditional retail-branch compliance background

### Nice-to-Haves

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Experience with license applications/upgrades

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Prior cross-border/group compliance structure experience

### Benefits available to all full-time Ramp employees (Global)

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Flexible PTO

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Centralized home-office equipment ordering

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Health and wellness stipend

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Budget for intra-office travel

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Weekly coffee stipend

### United States

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100% medical, dental & vision insurance coverage for you, with partial coverage for dependents

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One Medical annual membership

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401(k), including employer match on contributions made while employed by Ramp

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Fertility HRA (up to $10,000 per year)

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Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay

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Pet insurance

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In-office perks: lunch, snacks, drinks, and more

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Relocation expense coverage to NYC or SF (if needed)

### Canada

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Group medical, dental, and vision coverage through Sun Life

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Life, AD&D, and disability coverage

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Fertility drug coverage (up to $4,000 lifetime)

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Group Retirement Plan with employer match (RRSP + DPSP)

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Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay

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Employee Assistance Program and virtual care through Lumino Health

### United Kingdom

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Private medical insurance through Freedom Elite

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Virtual GP and at-home care via eMed x Livi

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Workplace pension through Penfold, with salary sacrifice option

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Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay

### Referral Instructions

If you are being referred for the role, please contact that person to apply on your behalf.

### Other notices

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

Beware of recruiting scams: Ramp will only contact you through official @[Ramp.com](http://Ramp.com) email addresses and will never ask for payment or sensitive personal information during the hiring process.

[Ramp Applicant Privacy Notice](https://ramp.com/legal/applicant-privacy-notice)

Show more

[Apply now >](https://jobicy.com/jobs/153952-money-laundering-reporting-officer-aml.md)

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