AML Director & MLRO

Alexander Barnes is leading the search for a Money Laundering Reporting Officer to join a high-growth FinTech transforming business credit and payments offerings.

This role will take full ownership of the firm’s financial crime program — overseeing AML/CTF controls, strengthening monitoring capabilities, and acting as the firm’s nominated officer.

You’ll work closely with senior leadership and cross-functional teams to ensure effective governance, maintain regulatory confidence, and scale the framework as the business continues to grow.

Role Scope:

• Own and evolve the firm-wide AML/CTF framework in line with UK regulatory expectations.
• Maintain robust policies and procedures covering KYC, EDD, screening, transaction monitoring, and suspicious activity reporting.
• Deliver the Annual MLRO Report to the Board and oversee firm-wide financial crime training.

Regulatory Alignment & Risk Management

• Ensure ongoing compliance with the Money Laundering Regulations 2017 , Proceeds of Crime Act (POCA) , Sanctions and Anti-Money Laundering Act (SAMLA) , and JMLSG guidance .
• Maintain the Firm-Wide Risk Assessment (FWRA) and adapt it to reflect product, customer, and jurisdictional changes.
• Stay ahead of regulatory developments and implement changes across operational processes.

Monitoring, Escalation & Law Enforcement Interface

• Oversee transaction monitoring, alert management, and SAR submissions.
• Act as the primary contact for the National Crime Agency (NCA) and other law enforcement agencies.
• Lead investigations and ensure timely and accurate reporting of suspicious activity.

Cross-Functional Collaboration

• Work with Product, Credit, Ops, and Legal to embed AML requirements into business operations and product design.
• Influence internal stakeholders and support the development of scalable, risk-based controls.

Experience & Knowledge

• 8+ years in AML, financial crime, or compliance, with experience in fintechs, payments, or e-money firms .
• Previous experience as an MLRO or Deputy MLRO.
• Strong working knowledge of UK AML laws, FCA Financial Crime Guide (FCG), and JMLSG expectations.
• Experience adapting frameworks in high-growth, tech-enabled environments.

Skills & Attributes

• Confident in handling external engagement with regulators and law enforcement.
• Strong analytical and decision-making skills, with sound judgment in complex situations.
• Clear communicator with the ability to influence at senior levels.
• Proactive, hands-on, and comfortable working autonomously in a fast-paced business.

Seniority level

Mid-Senior level

Employment type

Full-time

Job function

Finance, Legal, and Management

Industries

Financial Services and Technology, Information and Media

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