Mlro UK
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Job Summary
Whats the opportunity
We are looking for a Head of Compliance (SMF16/17) to lead the Compliance and AML/CFT function for our regulated entity ensuring the business operates in line with applicable regulatory obligations while supporting sustainable growth in a fast-paced fintech environment.
This role will act as the primary point of contact for compliance financial crime and regulatory risk matters partnering closely with global and local stakeholders across the organization. The position combines strategic oversight with hands-on execution across compliance governance AML/CFT frameworks risk management regulatory engagement and operational resilience initiatives including DORA-related matters.
The ideal candidate will bring strong regulatory and financial crime expertise experience operating within regulated financial services or payments environments and the ability to navigate complex international regulatory frameworks while enabling business growth.
What will I be doing
Act as the SMF16/17 responsible person for Compliance and AML/CFT matters ensuring compliance with applicable FCA regulations and financial crime obligations.
Serve as the main point of contact for compliance-related queries providing guidance and support to business stakeholders across the organization.
Maintain oversight of the firms regulatory risk framework identifying emerging and existing risks and implementing appropriate mitigation strategies in partnership with the business.
Lead and enhance the AML/CFT framework across all relevant jurisdictions and business areas ensuring alignment with regulatory expectations and internal standards.
Develop review and maintain compliance policies procedures and controls related to AML sanctions financial crime operational resilience outsourcing and broader regulatory requirements.
Monitor and assess the impact of new and evolving regulations including PSD3 6AMLD DORA NIS2 CESOP ESG and other applicable frameworks.
Design and execute compliance monitoring programs thematic reviews and testing activities across key regulatory areas and third-party arrangements.
Conduct enterprise-wide and cross-border AML/CFT risk assessments evaluating risks associated with products services clients and geographic exposure.
Review and oversee KYC and onboarding processes for new and existing clients ensuring adherence to AML and regulatory requirements.
Investigate compliance incidents suspicious activity and regulatory breaches ensuring appropriate escalation remediation and reporting where required including SAR/STR filings.
Prepare and submit regulatory reports and returns to relevant authorities in a timely manner.
Produce and present compliance financial crime and risk reports to senior management boards and governance committees.
Partner with Internal Audit regulators and law enforcement bodies during inspections audits and reviews.
Drive training and awareness initiatives to ensure employees remain informed about evolving AML/CFT obligations and regulatory expectations.
Support the continuous evolution of the compliance and risk management framework through automation process improvements and scalable controls.
What skills do I need
8 years of experience in Compliance Financial Crime Risk or Regulatory roles within regulated financial services environments.
Previous experience operating at SMF16 and/or SMF17 level or in a senior compliance leadership role is strongly preferred.
Strong knowledge of FCA regulatory requirements AML/CFT frameworks sanctions compliance and financial crime controls.
Experience within payments fintech retail banking or international financial services environments is highly preferred.
Solid understanding of regulatory frameworks such as PSD3 6AMLD DORA NIS2 CESOP ESG and broader operational resilience requirements.
Hands-on experience with KYC onboarding transaction monitoring suspicious activity investigations and regulatory reporting.
Strong understanding of risk management methodologies and internal control frameworks.
Ability to work cross-functionally with senior stakeholders in fast-paced evolving and international environments.
Excellent analytical problem-solving and decision-making skills with strong attention to detail and commercial judgment.
Outstanding communication and stakeholder management skills including experience presenting to boards regulators and executive leadership.
Bachelors degree in Law Economics Finance Business or a related field.
Professional certifications in Compliance AML or Risk Management are a plus.
Fluency in English is required.
About Company
Simplify your cross-border payment operations in high-growth markets. Send and receive funds locally, reaching new customers. One easy integration, unlimited secure transactions.
