Compliance Officer and DMLRO

Compliance Officer / Deputy MLRO

FCA-authorised Electronic Money Institution — London (hybrid)

• 1 day per week in the London office rest from home
• Brilliant team in a positive high growth environment

This is a senior second-line role with genuine breadth. Reporting to the Compliance Manager / MLRO, you will deputise across the full financial crime remit — AML/CTF, sanctions, fraud, anti-bribery and corruption — while also covering wider regulatory compliance including Consumer Duty, Safeguarding, Operational Resilience and Data Protection. A rare opportunity to shape the compliance architecture of an EMI combining digital-money and alternative-asset services.

The role

• Deputise for the MLRO on suspicious activity reporting, FCA liaison and day-to-day oversight of the AML/CTF programme
• Lead the business-wide financial crime risk assessment and underpinning governance (committee charters, MI, escalation)
• Quality-assure CDD/EDD, transaction monitoring and sanctions screening across both fiat and bullion-linked flows
• Review complex and higher-risk files — PEPs, high-value purchases, cross-border payment corridors
• Refine transaction-monitoring rules, thresholds and typologies; drive false-positive reduction
• Prepare MI and reporting for senior management and Board-level financial crime committees
• Contribute to the annual MLRO Report, Consumer Duty annual report and wider regulatory reporting
• Partner with technology on automated monitoring, screening and analytics, including data-quality remediation
• Deliver targeted regulatory training across payments, bullion fulfilment and customer-facing teams

You will bring

• 7+ years in AML / financial crime compliance within a regulated payments or EMI environment
• Recognised AML qualification (ICA Diploma, ACAMS Certified AML Specialist, or equivalent)
• Strong working knowledge of MLR 2017, POCA 2002, the FCA Handbook and JMLSG Guidance
• Credibility with the FCA, auditors and law-enforcement counterparts
• Comfort interpreting data-driven monitoring outputs and engaging on compliance tooling and APIs
• Strong written communication — Board MI, SAR drafting and policy work

What’s on offer

• Competitive base aligned with senior second-line responsibilities
• Share options, enhanced annual leave and workplace pension
• Sponsorship for ongoing professional certification (ICA / ACAMS)
• Genuine influence over the FC and broader compliance framework at a growth-stage EMI

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