MLRO

Job description

Key info:

• Title: Money Laundering Reporting Officer (MLRO)
• Salary range: £100-£120k base + strong bonus
• Largely remote (1 touch point per month or so) or Hybrid depending on preference
• High growth scale up Fintech firm - you will need relevant experience

The Opportunity

We are seeking an experienced, pragmatic, and commercially minded Money Laundering Reporting Officer (MLRO) to join our Second Line of Defence team. This is a hands-on role designed for a professional who can combine operational excellence with strategic impact.

As a key partner to our business units, you will embed a proportionate and forward-thinking approach to financial crime risk and compliance. You will design and operate a robust framework that meets UK regulatory obligations while enabling a high-growth fintech environment to scale safely.

Role Overview

• Regulatory Status: Senior Management Function (SMF17)
• Focus Areas: AML, CTF, Sanctions, Fraud, and Anti-Bribery & Corruption (ABC)

Key Relationships

• Internal: Executive Leadership Team, Board of Directors, GRC, Legal, HR/People Teams, and Customer Operations.
• External: Financial Conduct Authority (FCA), National Crime Agency (NCA), Law Enforcement, and External Auditors.

Key Accountabilities

Regulatory & Statutory Duties

• Serve as the formal MLRO, overseeing the firm’s financial crime compliance framework.
• Maintain sole responsibility for SAR (Suspicious Activity Report) decision-making and submissions to the NCA/FCA.
• Act as the primary point of contact for external regulatory agencies and law enforcement.
• Ensure full compliance with UK Money Laundering Regulations, POCA, TACT, and FCA guidance specific to Payment Services.

Framework & Strategy

• Own and update the AML Framework in line with evolving regulatory requirements and industry best practices.
• Lead the implementation of new money laundering requirements into live business operations.
• Produce critical Management Information (MI) and the Annual MLRO Report for the Board, assessing the effectiveness of systems and controls.
• Develop risk appetite statements and ensure effective risk identification and monitoring.

Operations & Oversight

• Oversee robust Customer Due Diligence (CDD) and Know Your Business (KYB) processes, including Enhanced Due Diligence (EDD) for high-risk clients.
• Contribute to the design and oversight of transaction monitoring systems, screening rules, and performance metrics.
• Manage AML/CTF audits and support periodic external assurance reviews.
• Deliver firm-wide financial crime training and awareness programs to foster a strong compliance culture.

Required Skills & Experience:

Professional Background

• 10+ years of experience in AML and financial crime compliance within proven experience in a high-growth Fintech or Payments business.
• Proven experience as a registered MLRO within an FCA-regulated firm (ideally under an API Licence).
• Deep technical knowledge of UK Money Laundering Regulations, Proceeds of Crime Act, and the FCA Handbook.

Extra information

Status

Open

Education Level

Secondary School

Location

England

Type of Contract

Full-time jobs

Published at

09-03-2026

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