MLRO

About the Client

Our client is a growing EMI and payment company offering global payment infrastructure. They provide services such as card acquiring and multi-currency processing, supporting seamless cross-border transactions across 135+ countries. Their focus is on maintaining full regulatory compliance, catering to businesses with integrated compliance solutions.

Role Overview

As an MLRO, you will have the opportunity to lead compliance efforts in a fully remote capacity from London. This role is ideal for those looking to make a significant impact in an international fintech environment. You will handle a variety of tasks from risk assessment to compliance vendor management, ensuring adherence to regulatory standards.

Key Responsibilities

• Conduct risk scoring for merchants based on business models, MCC, geography, and volumes.
• Manage onboarding cycles according to risk tiers.
• Collaborate with compliance vendors, ensuring cross-validation of tool results.
• Oversee KYC processes, including document verification and sanctions list checks.
• Set up and manage transaction monitoring rules and thresholds.
• Develop risk matrices and monitoring processes with regular timelines.
• Report SAR/STR and monitor regulatory changes (FCA, FATF, MiCA).
• Ensure up-to-date internal policies and procedures through regulatory reporting.
• Control cross-departmental regulatory deadlines (e.g., PCI DSS).
• Participate in new product launches from a compliance perspective.

Requirements

• Experience in AML and compliance within a licensed payment company: PSP, EMI, acquirer.
• Hands-on experience with KYC/KYB, sanctions, PEP, transaction monitoring, SAR, EDD.
• Understanding of card schemes and acquiring specifics.
• Knowledge of FCA regulations and the UK regulatory environment.
• Product-oriented mindset: ability to build and execute processes.
• Previously approved by a regulator as an MLRO or Compliance Officer (FCA SMF or equivalent) is a strong advantage.
• Experience with high-risk verticals: gambling, forex, travel is a plus.
• Relevant certifications: ICA, ACAMS are an advantage.
• Languages: English C1

Key Soft Skills

• Strong attention to detail.
• Proactive approach with a readiness to delve deeply and take ownership.
• Ability to balance compliance and risk management with business interests.
• Effective cross-functional communication and stakeholder management skills.
• Willingness to relocate to the UK if required for regulatory statements.

What We Offer

• Competitive salary aligned with experience
• Collaborative and transparent team culture
• High-impact role in a scaling fintech company
• Recognition of personal milestones and achievements
• Social benefits

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