Compliance Officer (Deputy MLRO) (Second Line of Defence) About REMIUM REMIUM is a financial services company built to serve global businesses and individuals with seamless local and cross-border payment infrastructure. From Family Offices and payroll businesses to SaaS providers and E-commerce operators, our clients trust us to simplify international payments, FX, treasury, and financial operations within a fully compliant digital ecosystem. By combining powerful digital tools with high-touch, human-led support, we deliver a service designed for the complex realities of global finance. Headquartered in London, we’re building the next generation of payments infrastructure that empowers ambitious businesses and individual clients alike. This is your chance to join a fast-scaling fintech at the intersection of payments, FX, and private client services, and play a key role in shaping our growth story. Role Summary The Compliance Officer (Deputy MLRO) will operate within the second line of defence, supporting the Chief Compliance Officer and MLRO in overseeing the firm’s financial crime control framework. The role focuses on independent review, challenge, and assurance across onboarding, transaction monitoring, and ongoing client activity, as well as supporting responses to banking partners and regulatory obligations. The role carries deputy MLRO responsibilities, including acting as MLRO in their absence and owning internal SAR decisions during that period Key Responsibilities Conduct independent reviews of KYC/KYB files, including high-risk and complex client relationships, and provide effective challenge to first line decisions Perform quality assurance and periodic file reviews to ensure completeness, accuracy, and alignment with the firm’s risk appetite and regulatory obligations Review and assess transaction monitoring alerts and dispositions, including validation of alert closures and discounting rationale Support the calibration and ongoing effectiveness of transaction monitoring scenarios, including identification of gaps and false positive trends Assist in the review and documentation of sanctions, PEP, and adverse media screening results, including preparation of risk summaries and escalation where required Prepare first draft responses to RFIs and due diligence requests from banking partners and other third parties, ensuring consistency between narrative and supporting documentation Maintain oversight of client activity to ensure it remains consistent with the established KYC profile and expected behaviour Produce and maintain financial crime management information, including trends, risk indicators, and reporting outputs for senior management Own and maintain financial crime policies, procedures, and control frameworks, with updates reviewed by the MLRO Assist in the execution of the Compliance Monitoring Plan, including control testing, sample reviews, and documentation of findings Support ongoing remediation of client files, identifying and addressing gaps in KYC, source of funds/wealth, and counterparty understanding Contribute to regulatory and partner audit preparation, including provision of documentation and evidence of control effectiveness Review and assess internal suspicious activity reports (SARs), making consent/no consent decisions when deputising for the MLRO Liaise with law enforcement where required during MLRO absences, including submission of SARs and management of response periods Own the compliance monitoring plan execution, including documenting findings and tracking remediations Our Expectations ACAMS (or equivalent) certification and valid membership Minimum 5 years’ experience in financial crime compliance within a regulated financial services environment (e.g. EMI, PSP, or banking) Strong understanding of AML/CTF requirements, including KYC, transaction monitoring, and sanctions screening Experience reviewing corporate client structures and assessing source of funds and source of wealth Ability to critically assess information, identify inconsistencies, and provide effective challenge Experience preparing or supporting responses to banking partner RFIs or similar due diligence requests is advantageous Strong written and verbal communication skills, with the ability to present clear and well-supported conclusions Organised and detail-oriented, with the ability to manage multiple priorities in a fast-paced environment Experience holding or acting in a DMLRO capacity, including internal SAR handling Familiarity with law enforcement reporting obligations and DAML processes Why REMIUM? At REMIUM, we’re not just building a payments company, we’re building a trusted network for global businesses and individual clients. Every client you support helps bridge global finance with a human, personal touch. We believe in empowering our people, celebrating individual contributions, and creating an environment where ambition and collaboration go hand-in-hand. If you want to join a team where your work shapes how our most valued clients experience both financial and lifestyle services, this is the place for you. Here’s what we stand for: ✅ We Are Client-Centric : Every solution starts with understanding our clients’ needs. 🤝 We Are Collaborative : We achieve more when sales, product, and operations work as one. 💡 We Are Solution-Focused : Complex problems are opportunities to innovate. 💙 We Are Supportive : We empower each other to deliver our best. 🏆 We Celebrate Impact : Every role matters, every client counts. What We offer Competitive base salary Hybrid working model 25 days annual leave + bank holidays
Compliance Officer (Deputy MLRO)
