Head of Legal, Compliance & MLRO

Job description

Location: East Cornwall (Hybrid working - 1 day/week in the office)

Salary: £110 - 120k

An ambitious and growing UK financial services firm is seeking an experienced Head of Legal, Compliance & MLRO to lead and develop its legal and regulatory function at a senior level.

Reporting directly to the Chief Executive Officer, this is a high-impact role with responsibility for legal oversight, regulatory compliance and financial crime prevention across the business. The successful candidate will play a critical role in supporting the Board, senior leadership and key committees.

The business is a well-established, FCA-authorised specialist finance provider, supporting UK SMEs through tailored lending solutions funded by a growing investor community. Known for its strong governance, customer-first approach and deep expertise in secured lending, the firm combines a collaborative, values-led culture with the pace and ambition of a scale-up environment.

The Role

This position combines strategic oversight with hands-on delivery, ensuring the firm operates to the highest legal and regulatory standards while supporting commercial growth and strong customer outcomes.

Legal Responsibilities

• Lead the firm’s legal function, overseeing commercial contracts and maintaining a central contracts database
• Review and maintain investor terms and conditions, borrower loan documentation, security documents and offer letters
• Provide clear, pragmatic legal advice to the Board, senior management and internal committees
• Support loan completions, redemptions and the ongoing legal management of the loan book
• Manage relationships with external legal counsel and professional advisors
• Support onboarding and ongoing oversight of third parties, including law firms, valuers and brokers
• Contribute legal insight to improve internal credit, lending and operational processes
• Support new product development and changes to commercial activities
• Provide legal support to HR matters as required
• Ensure compliance with FCA requirements, wider financial services legislation and GDPR obligations

Compliance & MLRO Responsibilities

• Act as the firm’s primary point of contact for compliance and financial crime prevention
• Develop, implement and maintain a robust compliance framework aligned with UK regulatory requirements and best practice
• Conduct risk assessments, monitor transactions and submit SARs to the NCA where required
• Ensure all regulatory risks, issues and breaches are appropriately investigated, documented and mitigated
• Deliver AML and regulatory training across the business
• Foster a strong culture of compliance aligned with Consumer Duty and positive customer outcomes
• Prepare and present the annual MLRO and Consumer Duty reports to the Board
• Manage relationships with the FCA and external compliance advisors
• Oversee regulatory reporting, FCA returns and notifications within required timelines
• Support the annual CASS audit in collaboration with Finance
• Provide compliance advice to the Credit Committee, Senior Management Team and other governance forums
• Lead ongoing compliance monitoring and ensure records are maintained in line with regulatory and legal requirements

About You

• A senior legal and compliance professional with strong UK financial services experience
• Proven experience operating as an MLRO and holding or being eligible for SMF16 & SMF17
• Confident advising Boards and senior stakeholders in a regulated environment
• Commercially minded, pragmatic and comfortable operating in a fast-growing business
• Strong communicator with the credibility to influence across the organisation

Extra information

Status

Open

Education Level

Secondary School

Location

Cornwall

Type of Contract

Part-time jobs

Published at

22-12-2025

Profession type

Accountancy

Full UK/EU driving license preferred

No

Car Preferred

No

Must be eligible to work in the EU

No

Cover Letter Required

No

Languages

English