Anti-Money Laundering Officer

Deputy MLRO

An exciting opportunity has arisen for an experienced Deputy MLRO to join a rapidly growing and innovative fintech business operating within the payments and e-money sector.

This role offers the opportunity to work closely with the MLRO in maintaining and enhancing the firm’s Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) framework, supporting regulatory compliance and helping to safeguard the integrity of the business.

Key Responsibilities

• Support the MLRO in conducting risk assessments and monitoring financial crime risks.
• Keep abreast of developments in AML and CTF regulations and ensure policies and procedures remain up to date.
• Investigate and escalate suspicious activity, ensuring appropriate reporting to relevant authorities.
• Perform customer due diligence (CDD) and enhanced due diligence (EDD) on higher-risk customers and transactions.
• Develop and deliver AML and financial crime training across the business.
• Ensure robust record-keeping and reporting processes are maintained in accordance with regulatory requirements.
• Assist with the preparation of management information and regulatory reporting.
• Contribute to the continuous enhancement of the firm’s financial crime framework and controls.
• Provide support across a variety of compliance and financial crime initiatives.

Skills and Experience

Essential

• Minimum 5–7 years’ experience in a Compliance or Financial Crime role within a Payment Institution or Electronic Money Institution.
• Previous experience as a Deputy MLRO (DMLRO) or demonstrable experience deputising for the MLRO function.
• Strong knowledge of UK and European AML regulations and guidance, including 4MLD, 5MLD, JMLSG and the FCA Handbook.
• In-depth understanding of money laundering and terrorist financing risks within the payments sector.
• Experience developing and implementing compliance monitoring programmes and controls.
• Proven ability to interpret regulatory requirements and implement practical solutions.
• Previous people management experience, including coaching and developing team members.
• Strong communication and stakeholder management skills.
• Ability to manage multiple priorities and perform effectively in a fast-paced environment.

Desirable

• Experience working within a high-growth fintech environment.
• Knowledge of payment products and associated operational risks.
• Exposure to regulatory change and transformation projects.

Personal Attributes

• Self-motivated and highly organised.
• Strong analytical and problem-solving skills.
• Resilient and adaptable.
• Collaborative and relationship-focused.
• Comfortable working in a dynamic and evolving business environment.

Please apply if you think suitable.

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