Senior Compliance Officer & MLRO

Location: United Kingdom (UK Resident)
Job Type: Full-time (Hybrid/Remote-Office located in London)

The company is a liquidity and technology provider of solutions for the crypto and foreign exchange (FX) industry. The company specializes in the sphere of B2B services and products, catering to a wide range of clients including large licensed brokers, crypto exchanges, crypto brokers, forex brokers, hedge and crypto funds, and professional managers.

Role Overview:

We are seeking an experienced Senior Compliance Officer & MLRO to lead their regulatory compliance and financial crime risk management for their FCA-regulated Electronic Money Institution (EMI). The successful candidate will ensure full adherence to UK Financial Conduct Authority (FCA) regulations, the Money Laundering Regulations 2017, and global financial crime standards, while supporting the firm’s operational integrity and safeguarding their clients and business from regulatory and AML/CTF risks.

Key Responsibilities

• Regulatory Compliance & FCA Engagement.
• Oversee compliance with the FCA’s regulatory framework for EMIs, including SMCR, Consumer Duty, and AML/CFT rules.
• Serve as the main liaison for all FCA queries, supervision, and reporting requirements.
• Prepare and submit regulatory reports, audit responses, and licensing documents accurately and promptly.
• Monitor regulatory developments and implement policy/procedural updates in line with FCA Handbook, Money Laundering Regulations, and industry best practice.
• Maintain, review, and enhance internal risk frameworks, compliance manuals, and operational procedures to ensure ongoing regulatory compliance.
• Ensure compliance with client fund safeguarding, capital adequacy standards, and all FCA EMI-specific reporting obligations.
• AML/CFT Compliance & Financial Crime Prevention
• Appointed as MLRO, lead all AML/CTF and Sanctions program responsibilities.
• Manage robust KYC/KYB onboarding and ongoing account monitoring, including source of funds/wealth checks.
• Operate advanced transaction monitoring systems to detect and investigate money laundering, terrorist financing, and suspicious trading activities.
• Conduct Enhanced Due Diligence (EDD) for high-risk clients, Politically Exposed Persons (PEPs), and complex cross-border activities.
• Prepare and submit Suspicious Activity Reports (SARs) to the National Crime Agency (NCA) and other relevant authorities.
• Oversee sanctions screening (OFAC, EU, UN, HMT) and ensure compliance with financial crime prevention guidelines.

Internal Compliance & Governance

• Design, update, and enforce compliance policies, controls, and procedures for EMI operations.
• Conduct periodic internal audits, compliance monitoring, and risk assessments to identify and mitigate regulatory risks.
• Deliver regular employee training on AML/CTF, FCA standards, and operational regulatory requirements.
• Ensure all marketing, client agreements, and financial promotions comply with FCA rules and prevent misleading statements.
• Report compliance risks, breaches, and findings to senior management/Board, and advise on mitigation strategies.
• Monitor product development, new financial services, and client-related operations for compliance risks.

Qualifications & Experience

• Education: Bachelor’s or Master’s degree in Law, Finance, Business Administration, or a related field; professional compliance certifications (CAMS, ICA, CRCM) preferred.
• Experience: Minimum 5 years compliance experience within a UK FCA-regulated financial institution (EMI, PI, bank, broker); proven background in KYB/KYC, compliance governance, and risk analysis.
• Regulatory Knowledge: Strong understanding of FCA EMI regulations, the Money Laundering Regulations 2017, and UK AML/CTF law.
• Analytical & Communication Skills: Ability to analyse complex regulatory requirements, assess risk, and communicate effectively with regulatory bodies and internal stakeholders.
• Attention to Detail: Strong skills in regulatory reporting, compliance documentation, and risk management.
• Personal Attributes: Self-motivated, proactive, independent, ethically minded, and forward-thinking mindset.

Key Competencies

• Regulatory Awareness: Deep knowledge of FCA rules, FATF guidelines, and UK AML/CTF frameworks.
• Decision-Making: Skilled at risk-based decision making, especially in high-risk and complex scenarios.
• Collaboration: Experience in cross-functional teamwork with risk, legal, tech, and finance teams.
• Strategic Thinking: Ability to develop and implement compliance strategies aligned with evolving UK and global regulations.
• Tech-Savvy Approach: Familiarity with KYB/KYC software (Sum & Substance, Lexis Nexis, ComplyAdvantage), payment/trading platforms, and compliance technology tools.
• Training & Communication: Capable of delivering training, policy updates, and compliance support company-wide.

Why Join Us?

• Work in a high-impact, visible role as part of a leading UK-regulated EMI.
• Shape the compliance culture and safeguard the firm as a leader in regulatory integrity.
• Collaborate with a dynamic, inclusive UK team committed to best practices, innovation, and client protection.

Benefits

• Competitive salary commensurate with experience.
• Annual leave as per local employment law.
• Flexible/hybrid working arrangements.
• Support for ongoing professional training and regulatory certifications.
• Performance-based annual bonuses tied to compliance KPIs.
  
  Only UK-based applications will be considered for this role.