MLRO - UK
RemoteLondon, England, United Kingdom or United Kingdom
Job Summary
Own the UK AML/CTF programme end to end, managing FCA relationship oversight, SAR quality review, and regulatory change implementation across the business. Serve as the primary point of contact for UK authorities, handling regulatory requests and NCA submissions personally while leading internal and external audits. Translate new FCA guidance and MLR updates into operational reality and produce decision-ready metrics for the executive team. Guide and develop compliance staff, collaborate with global counterparts to embed UK requirements into group policies, and use AI tools to accelerate regulatory research. Report directly to the Global Head of Compliance and the Board.
Required Qualifications
- 5 to 7 years in a senior compliance or MLRO role at a UK-regulated fintech or financial institution, with direct FCA accountability
- Deep, working knowledge of POCA 2002, the Money Laundering Regulations 2017, the FCA Handbook, and JMLSG guidance - applied in practice, not just studied
- Proven track record of managing regulatory relationships directly: FCA engagement, NCA SARs, banking and payments partner due diligence
- Experience leading AML/CTF audits, responding to regulatory scrutiny, and defending your programme under pressure with evidence
- Strong data and analytical skills, including confidence with Excel and the ability to turn compliance data into MI that executives can act on
- Track record of mentoring and developing compliance teams, and influencing senior stakeholders who sometimes push back on compliance requirements
- Comfortable operating in a fast-moving, ambiguous environment where regulations and business models evolve simultaneously
Desired Qualifications
- CAMS certification or equivalent professional qualification
- Experience in a cross-border or multi-currency payments business with exposure to FATF high-risk country corridors
- Familiarity with compliance technology or regtech tools that support transaction monitoring, SAR filing, or policy management
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