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.

Compensation & Benefits

Base Pay Grade - L

Equity Grade - 5

Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills.

Base pay is part of a total compensation package that may include monthly stipends for lifestyle and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).

NL base pay range per year: € 83 000 - € 123 000

Additional benefits include:

• Flexible Spending Wallets for tech and lifestyle

• Away Days - wellness days to take off work and recharge

• Learning & Development programs

• Parental benefits

• Employee Resource Groups

Location - Remote Netherlands

#LI-Remote

Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.

We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:

• Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents

• Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses

• Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge

• ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount

We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

[For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.

By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.