About us:

Luno is the crypto investment app you can rely on, enabling you to buy, store and explore crypto securely. We’re committed to putting the power of cryptocurrency in everyone's hands sensibly and responsibly.

Since 2013, we’ve helped millions of people around the world invest safely in crypto. We do this by cutting through the hype and supporting customers at every step of the way. All products and cryptocurrencies on our platform must first meet stringent legal, risk and technical security standards. We don’t do memecoins.

Transparency is key for us. Luno stores all crypto on a 1:1 basis and we have rigorous processes in place so you can be confident your investment is secure. We’re available in more than 40 countries around the world and we work closely with respective regulators in all of these markets to be fully compliant, as we believe this is the best way to help everyone, everywhere, invest safely.

About the team:

Luno is a market leading crypto exchange on a mission to put the power of crypto into everyone’s hands. You will report to Louis van Wyk in the Treasury team, based in Cape Town. This is an amazing opportunity to join a talented and collaborative Finance function. 

The role in a nutshell:

• You will form part of our Treasury team, supporting all cash and liquidity related needs powering Luno’s business. 
• You’ll work closely with our financial planning & analysis, and finance reporting and control teams across our broader Finance function, as well as collaborating with our Engineering, Product and Operations teams across the business.
• You'll take ownership of group wide treasury operations, bringing structure, rigour and strategic thinking to a fast-moving, high-growth environment.

Your mission will be:

• Develop and Oversee Cryptocurrency P&L Liquidation Strategy:
• Lead the development and execution of strategies for liquidating cryptocurrency positions to optimise profit and mitigate risk.
• Manage foreign exchange and cryptocurrency exposure, ensuring alignment with overall financial objectives.
• Funding and Liquidity Management:
• Forecast and manage fiat and cryptocurrency liquidity needs across various platforms and venues.
• Implement strategies to optimise funding efficiency and minimise liquidity risk.
• Process Automation and Support:
• Drive automation of key treasury processes supporting our various products
• Collaborate with product and engineering teams to actively support new product launches and enhancements.
• Relationship Management and Expansion:
• Liaise with existing and new bank and payment providers to ensure smooth operations.
• Support business expansion into new countries by establishing relationships with relevant financial partners.
• Compliance and Regulatory Oversight:
• Oversee annual KYC refreshers for existing banking and liquidity partners.
• Lead the onboarding process for new partners while ensuring compliance with regulatory requirements.
• Create, update and or monitor Treasury operational policies; establish and manage compliance and controls for Treasury operations and support internal and external audit requirements.
• Nice to have: VASP/crypto regulatory compliance exposure (e.g., MiCA, FSCA, or equivalent)
• Financial Analysis and Reporting:
• Prepare financial analysis and calculations for licensing requirements across all regions.
• Distribute performance metrics to relevant stakeholders and provide insights for decision-making.
• Cryptocurrency Custody and Compliance:
• Oversee operations with third-party crypto custody providers and ensure compliance with regulatory requirements in various markets.
• System Maintenance:
• Maintain the Treasury management system used for fiat and crypto reporting, ensuring accuracy and reliability.

What you'll bring:

• Bachelor’s in Business Administration, Accounting, Finance, Economics or related discipline. Advanced degree in a related area preferred (CA(SA) or CIMA/CGMA preferred)
• 4-5 years of work experience within a Finance or Treasury function
• Experience with on-chain treasury operations and/or crypto custody frameworks
• Familiarity with exchange/liquidity provider liquidity and settlement flows
• Ability to interact, influence and build relationships at all levels of seniority and across all functions within an organisation.
• Must be a self-starter, a strong team player, have attention to detail, take ownership of initiatives, possess strong prioritisation and organisation skills and be able to work in a fast-paced environment while handling multiple projects simultaneously.
• Comfortable operating with ambiguity and driving process improvement in a scaling organisation, a strong sense of responsibility and a very high level of integrity
• Must have highly effective verbal, written, and presentation skills to articulate ideas and plans clearly, accurately, and effectively with all levels of internal and external audiences
• Confidence in a Hybrid Working Environment
• Friendly, transparent, articulate and driven to succeed
• Efficient in Microsoft Excel and/or Google Sheets and other Microsoft/G-Suite products.
• Nice to have: Previous experience building out and or using treasury management software

Life at Luno:

• Forward-thinking and ambitious team that values diversity, hard work, and the continuous quest for excellence.
• Remote but reachable work policy gives you the freedom to choose between working from home or the office.
• Improve body and mind, with excellent private medical insurance.
• Access to Learnably and our additional learning platforms for your personal and professional development.
• Generous maternity / paternity and even paw-ternity for your furry friend.
• Annual Inspiration Day in addition to your annual leave which increases based on your length of service! Plus the option to buy and sell leave. 
• A collaborative, friendly work community, with regular social events and virtual cooking, dancing, drawing and house planting classes hosted by our Lunauts.
• Free lunch and snacks.
• 0 fees* with Luno from the day you start.

*Offer only available on Luno Instant Buy, not Luno Exchange

We are an equal opportunity employer and value diversity at our company. We do not negatively discriminate on the basis of race, religion, colour, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

About us:

Luno is the crypto investment app you can rely on, enabling you to buy, store and explore crypto securely. We’re committed to putting the power of cryptocurrency in everyone's hands sensibly and responsibly.

Since 2013, we’ve helped millions of people around the world invest safely in crypto. We do this by cutting through the hype and supporting customers at every step. All products and cryptocurrencies on our platform must first meet stringent legal, risk and technical security standards.

Transparency is key for us. Luno stores all crypto on a 1:1 basis and we have rigorous processes in place so you can be confident your investment is secure. We’re available in more than 40 countries around the world and we work closely with respective regulators in all of these markets to be fully compliant, as we believe this is the best way to help everyone, everywhere, invest safely.

About the team: 

The AML Operations team takes care of the operational aspects of financial crime risk identification matters for Luno's global business. Our mission is to create a world class compliance experience for Luno as well as our customers. We make sure we have the processes and information available that enable us to truly understand our customer risk, we monitor for any external red flags customers may raise when they use Luno and we deal with any questions our business or customers may have on what good looks like. We operate in regional teams around the world with our central team in South Africa.

The role in a nutshell:

You will form part of the Anti-Money Laundering (“AML”) Operations team based in South Africa, and you will report to the AML Operations - Transaction Monitoring Team Lead. Our AML Operations team looks after our global business and consists of a growing team of enthusiastic, energetic Lunauts. You will work in a fast paced environment, collaborating with other business units, including Engineering, Product and Legal teams, servicing the business on an international level together with the teams from Africa, Asia Pacific, Europe and the United States.

Your mission will be:

• Agile execution on key projects and operational delivery of work within the Transaction Monitoring Team, specifically the execution of transaction monitoring alerts, regulatory reporting activities and regulatory requests.
• Knowledge you are required to have and apply
• Working on problems that are varied and which require a review of different factors, applying learned techniques and contributing to analysis and investigation to solve problems for the team, within the AML Policy framework and overall Risk Management and Compliance Programme (“RMCP”).
• Vetting your own work and delivery, communicating progress and escalating blockers to the team
• Supporting internal compliance audits
• Understanding AML regulations and developments in legislation, and pointing out when you suspect that Luno may be in breach of regulations 
• Investigate, Analyse & Execute:
• Creating initial reports/analysis for review 
• Attending to all aspects relating to Travel Rule including customer communications, virtual asset service provider (VASP) due diligence and queue review 
• Navigating and using Chainalysis Reactor effectively to review and assess customer transaction alerts 
• Managing and drafting responses to standard and ad hoc regulatory requests, as well as to banking partners and other ad-hoc requests for information 
• Assisting with in depth transactional investigations into customer profiles 
• Managing customer exits as a result of transactional reviews 
• Finalising and filing reports (subject to review) in respect of outbound regulatory reporting in conjunction with the relevant Money Laundering Reporting Officer (“MLRO”)
• Technological Expertise: Using internal investigation/analytical tools e.g. Chainalysis KYT, Chainalysis Reactor and ComplyAdvantage, to a basic level to conduct in depth investigations or analysis 
• Reporting Writing & Key Risk Indicator (KRI) Management: Compiling clear and accurate reports based on work performed and to contribute to key risk indicators applicable to the functional area.
• Cross-functional / team collaboration & Written / Oral Communication: Developing stable working relationships, internally and externally 
• Business & Anti-Financial Crime Strategic Goals: Providing insights that contribute to the team's strategic direction and ability to understand Luno's function/department strategy.

A little about you:

• Tertiary Education, to the equivalent of graduate
• A minimum of 3 years work experience in an Anti-Money Laundering and Countering Terrorist Financing related field
• Strong analytical mindset 
• Ability to adapt within a fast-paced environment
• Strong attention to detail and experience in process writing and documenting outcomes of reviews and investigations 
• High proficiency in English (please ensure that your application is in English)
• If not a South African citizen, an existing, valid permit to work in South Africa
• Entrepreneurial, strong sense of responsibility and very high level of integrity
• Solid interpersonal, communication and negotiation skills
• Friendly, transparent, articulate and driven to succeed
• Familiarity with cryptocurrencies will be highly advantageous

Life at Luno:

• Remote but reachable work policy gives you the freedom to choose between working from home or the office.
• Plus the option to buy and sell up to 5 days leave
• Improve body and mind, with excellent private medical insurance
• Access to Learnably and our additional learning platforms for your personal and professional development
• 6 months primary care-giver leave
• Paw-ternity leave for your furry friend
• Annual Inspiration Day in addition to your annual leave which increases based on your length of service! 
• A collaborative, friendly work community, with regular social events and virtual cooking, dancing, drawing and house planting classes hosted by our Lunauts
• Free lunch and snacks
• 0 fees up to a certain amount with Luno from the day you start.*

*Offer only available on Luno Instant Buy, not Luno Exchange

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, colour, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.