Confirmo

Risk & Compliance Officer

Confirmo

14 days ago

## About Confirmo Confirmo is a global stablecoin-first payment platform trusted by market leaders. Originally founded in Prague in 2014, we now run one of the most established infrastructures in the industry. In 2025, Confirmo Limited - part of the Confirmo Group - received authorization under the EU Markets in Crypto-Assets (MiCA) framework from the Central Bank of Ireland. ## Overview As **Compliance & Risk Officer** for our newly established UAE entity, you will be the cornerstone of Confirmo's regulatory and risk management framework in the region. You will be responsible for obtaining and maintaining all required licenses from the relevant UAE authorities (including VARA and/or CBUAE), building compliance programs from the ground up, and ensuring the business operates in full accordance with local and international regulations governing virtual assets and payment services. You will work alongside the MLRO, who owns the AML/CFT function, to deliver an integrated risk and compliance framework for the UAE entity. This role reports into Group Risk & Compliance and operates within Confirmo’s group governance structure. This is a founding role — you will have significant influence over how Confirmo's compliance culture and risk appetite are defined in the UAE. ## Key Responsibilities * Manage the ongoing VARA licensing process through to approval, including responding to regulatory queries and information requests during the review phase. * Act as the primary point of contact with VARA on licensing, governance, technology risk, and market conduct matters (AML/CFT-specific regulatory engagement sits with the MLRO). * Maintain ongoing regulatory correspondence, reporting obligations, and licence renewals with VARA. * Monitor regulatory developments in the UAE virtual assets and payments landscape and ensure timely adaptation of internal policies. * Develop and maintain the entity’s risk register, covering operational, regulatory, financial, reputational, and technology risks. * Implement and monitor the Group’s risk appetite framework locally, ensuring alignment with VARA requirements and reporting deviations to Group Risk. * Conduct regular risk assessments, including exposure to crypto-asset market risks, counterparty risk, sanctions risk, and technology/cyber risk (per VARA Company Rulebook). * Ensure market conduct risk and consumer protection requirements under VARA are identified, assessed, and managed. * Lead operational resilience planning, including business continuity and incident response from a compliance and risk perspective. * Operate within Confirmo’s group governance structure and ensure UAE risk reporting feeds into group-level risk registers and committees. * Partner with the MLRO to ensure a robust, integrated risk and compliance function; ensure AML/CFT risks are reflected in the entity’s risk register and reported to Group. * Advise senior leadership and the Board on compliance risks associated with new products, partnerships, and market expansions in the MENA region. * Support due diligence processes for new clients, partners, and payment corridors. * Collaborate closely with global Compliance, Legal, Product, and Finance teams at Confirmo group. ## Your Profile * Minimum 5 years of compliance and/or risk management experience, with at least 2 years in a virtual assets, fintech, or payments environment. * Demonstrated experience with UAE regulatory frameworks, particularly VARA regulations. * Hands-on experience building or maintaining enterprise risk management frameworks in a regulated financial services or crypto-asset business. * Experience working within a group/subsidiary governance structure, including localising group policies for a regulated local entity. * Prior experience as a regulatory liaison with UAE authorities is strongly preferred. * Experience with MiCA, FATF Travel Rule compliance, or other international virtual asset standards is an advantage. * Deep understanding of VARA regulations, including the Company Rulebook and Compliance & Risk Management Rulebook. * Understanding of UAE data protection requirements (PDPL) and their application to virtual asset businesses. * Familiarity with operational resilience and business continuity frameworks (e.g., DORA or equivalent). * Strong analytical and problem-solving skills with a pragmatic, business-enabling approach to compliance. ## Location This role is based in **Dubai**. We will only consider candidates who are already based in Dubai. If you are interested in learning more, please submit your CV, and our recruiter will get back to you promptly. When applying, mention the word **CANDYSHOP** to show you read the job post completely.

MLRO

Confirmo

14 days ago

**Confirmo** is a global stablecoin-first payment platform trusted by market leaders. Originally founded in Prague in 2014, we now run one of the most established infrastructures in the industry. In 2025, Confirmo Limited - part of the Confirmo Group - received authorization under the EU Markets in Crypto-Assets (MiCA) framework from the Central Bank of Ireland. ## Overview As the designated **Money Laundering Reporting Officer (MLRO)** for Confirmo FZE (UAE), you will be the independent owner of the entity’s AML/CFT programme. You are responsible for preventing, detecting, and reporting financial crime — including money laundering, terrorist financing, and sanctions evasion — in accordance with UAE law, VARA regulations, and FATF standards. This is a regulated role with statutory independence. You will have direct, unimpeded access to the Board on all AML/CFT matters. You will work closely with the Risk & Compliance Officer to ensure AML/CFT risks are integrated into the entity’s broader enterprise risk framework, while maintaining full ownership of the AML/CFT function. You will align the UAE AML/CFT framework with Confirmo’s group AML/CFT standards and policies, adapting for local regulatory requirements. ## Key Responsibilities - Own and continuously develop Confirmo FZE’s AML/CFT framework, ensuring alignment with Confirmo’s group AML/CFT policy framework while meeting UAE-specific requirements under UAE legislation, VARA regulations, and FATF standards. - Oversee the design and effectiveness of KYC/KYB onboarding procedures, enhanced due diligence (EDD) processes, and ongoing customer monitoring. - Supervise transaction monitoring systems and ensure alerts are triaged, escalated, and resolved in a timely manner. - Oversee the implementation and maintenance of the FATF Travel Rule compliance programme for virtual asset transfers. - Ensure the business maintains up-to-date sanctions screening against UAE, UN, EU, OFAC, and other relevant lists. - Independently evaluate internal SARs and determine whether to escalate to the UAEFIU via the goAML reporting platform. - Ensure all Suspicious Transaction Reports (STRs) and Suspicious Activity Reports are filed accurately, completely, and within statutory timeframes. - Liaise directly with the UAEFIU and law enforcement authorities as required, including responding to requests for information (RFIs). - Act as the primary regulatory contact for all AML/CFT-related matters with VARA and CBUAE. - Monitor changes to UAE AML/CFT legislation and FATF guidance and ensure timely policy and procedural updates. - Own and periodically review AML/CFT-specific policies ensuring alignment with Confirmo’s group AML/CFT policy framework while meeting UAE-specific requirements. - Advise the business on financial crime risks associated with new products, new client segments, new geographies, and new payment corridors. ## Your Profile - Minimum 5 years of AML/CFT compliance experience, with at least 2 years in a virtual assets, crypto-asset, or digital payments environment. - Prior experience as a designated MLRO or Deputy MLRO at a regulated financial institution or VASP in the UAE or another FATF-member jurisdiction. - Proven track record of filing STRs/SARs with a financial intelligence unit, preferably the UAEFIU via goAML. - Experience working with on-chain analytics and blockchain transaction monitoring tools (e.g., Chainalysis, Elliptic, TRM Labs, or similar) is strongly preferred. - Familiarity with FATF Travel Rule solutions and virtual asset transfer compliance. - Experience aligning local AML/CFT frameworks with group-level policies in a multi-jurisdiction setup is an advantage. - Expert knowledge of UAE AML/CFT law, VARA AML/CFT regulations, and CBUAE guidance. - Strong understanding of FATF Recommendations, the risk-based approach, and their application to virtual asset service providers. - Excellent judgement and ability to make independent decisions on complex, high-stakes financial crime matters. - Strong written communication skills for producing high-quality regulatory reports, SAR narratives, and board papers. **Location**: This role is based in Dubai. We will only consider candidates who are already based in Dubai. If you are interested in learning more, please submit your CV, and our recruiter will get back to you promptly. When applying, mention the word **CANDYSHOP** to show you read the job post completely.