Senior Financial Crime Officer (Spain)

About Crossmint

Crossmint is the leading enterprise-grade, all-in-one stablecoin infrastructure enabling fintechs and enterprises to integrate stablecoin rails and smart wallets with speed, compliance, and scale.

Trusted by more than 40,000 clients including global leaders such as MoneyGram, WireX, Toku, and more. Crossmint provides embedded smart wallets, on/offramps, cross-chain stablecoin orchestration, token checkout, and other blockchain primitives through simple, developer-friendly APIs, no blockchain engineers required. Backed by Ribbit Capital, Franklin Templeton, and other top investors.

The future of finance is crypto-native. Crossmint makes it easy to get there.

Location

We have offices in Madrid, and we are also open to a full remote setting from Spain.

Type of Employment

Full-time, permanent role.

The Role

We are looking for a Senior Financial Crime Officer to support the AML Lead in managing complex financial crime operations across the business. This role sits in the first line of defence and plays a critical role in escalations, regulatory interactions, and continuous improvement of AML processes.

You will work on high-risk and non-standard cases that require deep analytical judgment, including SNC and PEP escalations, complex KYB and EDD reviews, SAR filings to Spanish authorities, and oversight of analyst output. You will also help shape how Crossmint scales its financial crime controls through process optimisation and automation.

For additional context, we have recently secured MiCA authorization from Spain’s Comisión Nacional del Mercado de Valores (CNMV), positioning Crossmint as a fully regulated crypto asset service provider with passporting rights to operate across all 27 European Union member states.

This is a hands-on role for someone who enjoys solving hard problems, working with regulators, and building robust AML operations in a fast-moving crypto and fintech environment.

What You’ll Do

Financial Crime Operations & Escalations

• Perform 4-eye check controls on analyst work across screening, transaction monitoring, and investigations.

• Review and resolve SNC and PEP hits that cannot be discarded through standard indicators or rules.

• Conduct KYB and Enhanced Due Diligence (EDD) on companies with complex ownership structures, regulated activities, or exposure to high-risk jurisdictions.

• Analyze complex corporate structures, beneficial ownership chains, and control relationships across multiple geographies.

Regulatory Reporting & Authority Engagement

• Prepare, draft, and file SARs (Comunicaciones por Indicio) to Banco de España/SEPBLAC.

• Support responses to information requests, inquiries, and examinations from Spanish authorities.

• Assist the AML Lead in maintaining clear, consistent, and defensible documentation for regulatory purposes.

Transaction Monitoring & Risk Oversight

• Oversee transaction monitoring escalations and investigations involving high-risk typologies.

• Provide expert judgment on unusual or complex transaction patterns, including crypto-related activity.

• Help refine risk scenarios, thresholds, and escalation criteria in collaboration with the AML and product teams.

Process Improvement & Automation

• Identify gaps, inefficiencies, and manual bottlenecks in AML workflows.

• Drive process optimisation and automation initiatives, working closely with operations, product, and engineering.

Contribute to the evolution of internal policies, procedures, and playbooks as the business scales.

What We’re Looking For

• Minimum 4 years of experience in first-line-of-defence AML roles such as screening, transaction monitoring, or investigations, or 2 years in a second-line-of-defence role involving oversight, QA, or regulatory engagement.

• Proven experience filing “Comunicaciones por Indicio” and managing communications with SEPBLAC.

• Strong background analyzing complex corporate structures, beneficial ownership, and control frameworks, particularly in high-risk or opaque jurisdictions.

• Solid understanding of EU and Spanish AML frameworks and financial crime typologies.

• Excellent analytical skills, attention to detail, and sound professional judgment.

• Ability to operate effecti