At a Glance
- Tasks: Lead compliance as the Money Laundering Reporting Officer and protect customer assets.
- Company: Join MoonPay, a pioneering company in the crypto space with a high-performance culture.
- Benefits: Enjoy competitive salary, equity options, flexible time off, and wellness perks.
- Other info: Dynamic environment with opportunities for growth and innovation.
- Why this job: Make a real impact in the evolving world of crypto regulation and compliance.
- Qualifications: 5+ years in compliance roles, with deep knowledge of UK AML regulations.
The predicted salary is between 75600 - 92400 £ per year.
About MoonPay
MoonPay is for builders with something to prove. This isn't a "work on cool crypto stuff" company. It's a high-standards, high-velocity, high-accountability company building the operating system for value movement. If the internet moves information, we move value: crypto, stablecoins, tokenized assets, and whatever comes next. Four offerings make that real: fund, tokenize, trade, and spend. 30M+ customers and 500+ ecosystem partners run on us. Licensed in the U.S. Regulated across the UK, EU, Canada, and Australia. AI is the default operating mode here. It's woven into every role, and we expect you to use it daily. It handles the manual work so you can deliver on what actually matters. You'll thrive here if outcomes excite you more than process, if impact motivates you more than titles, and if you want hard problems, real ownership, and teammates who love winning, building, and doing it together. The bar is high. The pace is real. We're building for what's next, for humans and agents.
About the Opportunity
We are looking for a highly experienced Money Laundering Reporting Officer (MLRO), who would hold the SMF17 Senior Management Function, to join MoonPay in the UK. You will own our AML/CTF and client asset protection (CASS) frameworks, act as a key voice in our regulatory relationship with the FCA, and contribute to MoonPay's application for full FSMA authorisation, all while enabling our mission to onboard the world to the decentralised economy. You will sit within our International Compliance team, working closely with our Deputy MLRO, our EEA and international compliance colleagues, and our Financial Intelligence Unit (FIU). Your work will directly protect customer funds and assets, strengthen our control environment, and help the wider authorisation effort land. As the UK entity grows, so will the scope of the role. This is a great opportunity for an experienced compliance leader who thrives in dynamic, growing environments, is energised by building pioneering frameworks in a rapidly evolving regulatory landscape, and wants a practical, impactful role helping shape the future of crypto regulation in the UK.
What You Will Do
- Serve as the appointed Money Laundering Reporting Officer (MLRO) for MoonPay UK, holding the SMF17 Senior Management Function, and ensure full compliance with the Proceeds of Crime Act, the Money Laundering Regulations, and related UK legislation.
- Develop, implement, and continually enhance MoonPay's AML/CTF framework, policies, and procedures in the UK.
- Lead the review, investigation, and reporting of suspicious activity to the National Crime Agency (NCA) through Suspicious Activity Reports (SARs).
- Own and maintain MoonPay UK's client asset protection (CASS) framework, ensuring robust controls around the safeguarding of client funds and assets, and be capable of holding the CASS Prescribed Responsibility.
- Deliver AML/CTF and CASS training across the business and champion a strong culture of compliance.
- Partner closely with global compliance, legal, and risk teams to ensure consistency across jurisdictions while meeting requirements specific to the UK.
- Play a key role in MoonPay's engagement with the FCA and external auditors on AML/CTF and CASS matters, working alongside senior compliance leadership.
- Contribute to MoonPay's FSMA authorisation programme, including regulatory submissions and supporting documentation within your areas of responsibility.
- Take on additional compliance responsibilities as the UK business and its regulatory obligations develop.
About You
You are a seasoned compliance professional who combines deep regulatory expertise with genuine curiosity about crypto and digital assets. You bring structure and rigour to ambiguous, fast moving environments, and you know how to turn complex regulation into practical, workable controls rather than getting stuck in theory. You build trust easily, whether with regulators, auditors, or colleagues across functions and geographies, and you take ownership of outcomes rather than waiting to be told what to do. You are comfortable operating beyond the boundaries of your formal remit, and you see a growing regulatory perimeter as an opportunity rather than a burden. You are just as comfortable getting into the detail as you are advising senior stakeholders on strategy, and you are always looking for ways to do things better.
Must-have experience and skills
- Significant experience in compliance/AML roles, including at least 5 years in a registered MLRO or senior compliance officer role within financial services, fintech, or crypto, with the ability to be approved by the FCA under SMF17.
- Deep understanding of UK AML/CTF regulations, the wider regulatory landscape, and CASS rules.
- Proven experience engaging with regulators, drafting reports, and leading AML/CTF audits.
- Strong leadership and communication skills, with the ability to influence stakeholders across multiple functions and geographies.
- Experience working across a breadth of compliance disciplines, with the appetite to take on more over time.
- Passion for crypto, fintech, and the mission of financial inclusion.
Nice-to-have experience
- Experience within a cryptoasset or payments firm going through FCA registration or authorisation.
- Exposure to FCA regulatory requirements beyond financial crime, such as conduct, governance, or prudential.
- Familiarity with blockchain analytics and transaction monitoring tools such as Chainalysis, TRM Labs and Elliptic.
- Experience managing compliance across multiple jurisdictions, particularly EEA MiCA, Jersey, or other VASP regimes.
- Background in a fast growing fintech or scale up environment.
Bonus Points
- Professional qualifications such as the ICA Diploma in Anti Money Laundering, ACAMS, or an equivalent certification.
- Prior experience holding an SMF designation with the FCA.
- Familiarity with Travel Rule compliance and related tooling.
Benefits & Perks
- Competitive salary package
- Equity package: financial freedom starts with our employees, so all employees have ownership at MoonPay
- Pay-for-performance equity bonus: those who drive outsized outcomes receive outsized rewards
- Moonshot award: we honor exceptional impact. 20 employees a year, each earning a $250,000 equity grant
- Pension: employer contributions from day one
- Employee referral program: refer great people, earn 10K in USDC
- Flexible Time Off: choose when to work and when to switch off
- Recharge Period: end-of-year company-wide time off to rest and reset
- Birthday leave: take the day off to celebrate you
- Enhanced parental leave: more time with family, no second thought
- Hybrid working schedule: work fully remotely or from your nearest Moonbase
- Commuter benefits: public transport to and from the office
- Private healthcare benefits: to protect you and your loved ones
- Wellhub wellness membership: access to gyms, studios, classes, and wellness apps in one membership
- Enterprise access to the latest AI tools: Claude, ChatGPT, Gemini and whatever's next
- Lunch credit: meals covered on the days you're in the office
- Home office setup allowance: build the home office of your dreams
- Remote working allowance: those working fully remotely get a little extra for utilities
- Monthly product budget and zero-fee crypto transactions
- $1,000 Annual training budget: we support your learning journey
- High Potential Program: structured development, mentorship, and stretch opportunities
- Regular remote company offsites: high-impact in-person sessions and hackathons
- (Ireland) Cycle to Work scheme: tax-efficient bike, gear, and safety kit
- (UK) EV Salary Sacrifice: lease an electric vehicle through pre-tax salary
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.
Mlro employer: MoonPay
MoonPay is an exceptional employer that fosters a dynamic and innovative work culture, particularly for those passionate about blockchain technology. Located in the United Kingdom, we offer competitive benefits, a strong focus on employee growth, and the opportunity to work on cutting-edge projects in the DeFi space. Join us to make a meaningful impact while collaborating with talented professionals in a fast-paced environment that values ownership and creativity.
StudySmarter Expert Advice🤫
We think this is how you could land Mlro
✨Join Compliance Communities
Get involved in compliance and risk communities — both online and offline. Look for forums, LinkedIn groups, or even local meetups where compliance pros hang out. You never know who might drop a job opportunity your way!
✨Attend Industry Conferences
Keep an eye out for compliance and risk management conferences and workshops in your area. These events are a goldmine for networking, and they often have job boards or recruiters on-site looking for new talent. Plus, it’s a chance to learn what's trending in the field.
✨Leverage Your University Career Services
If you’ve recently graduated or are still studying, head over to your university's career services. Many companies, including those in compliance, actively recruit fresh talent through these services, so make sure you tap into that resource.
✨Showcase Your Knowledge Online
Start writing articles or blog posts about compliance topics that interest you. Share them on platforms like LinkedIn to demonstrate your knowledge and passion. This not only builds your presence in the field but can also catch the attention of companies like MoonPay looking for candidates who are engaged and informed.
We think you need these skills to ace Mlro
Some tips for your application 🫡
Show Your Understanding of Compliance:In the compliance-risk field, it's super important to showcase your understanding of regulations and risk management frameworks. Highlight any relevant coursework, certifications (like ICA or AML), or even projects that demonstrate your knowledge and commitment to this area. We want to see how you can navigate this complex landscape!
Quantify Your Achievements:When detailing your experience, try to quantify your achievements. For example, if you've previously worked on a project that improved compliance metrics or reduced risk exposure, give us the numbers! This data-driven approach really stands out to hiring managers in compliance-risk roles.
Tailor Your CV to Reflect Relevant Skills:Make sure your CV highlights skills that are particularly relevant to compliance, like attention to detail, analytical thinking, and report writing. Ensure these are easy to spot – consider using bullet points to break down your responsibilities and achievements for maximum impact!
Craft a Motivating Cover Letter:In your cover letter, let us know why you’re excited about the compliance-risk role at MoonPay. Share what motivates you about compliance, and how you believe you can contribute to our mission. This is your chance to showcase not only your skills but also your passion for this important field!
How to prepare for a job interview at MoonPay
✨Master the Regulations
Brush up on key compliance regulations relevant to the industry you're applying to. Familiarising yourself with specific laws and frameworks used in your field will give you an edge during technical questions. Show that you’re not just aware of them but can also apply them—think real-life scenarios!
✨Show Your Analytical Skills
Compliance roles really focus on analytical skills, so be prepared for case studies or situational questions during the interview. We've got to demonstrate how we approach risk assessments or compliance audits, possibly drawing on examples from past experiences or university projects. Bring some thoughtful case scenarios to discuss!
✨Know Your Tools
Get comfortable with commonly used compliance software and tools. Familiarity with platforms like RSA or MetricStream can really impress during your interview, as it shows you're ready to hit the ground running. If you’ve had any experience with them, make sure to highlight that!
✨Align with Company Culture
Since it's a full-time position, show your long-term commitment and interest in the company’s mission and values. Dive into how your ethics and professional philosophy align with MoonPay’s stance on compliance. A shared vision can really resonate with interviewers looking for fit as much as skill!
