Head of Compliance & MLRO - FinTech (Lending) Head of Compliance and Money Laundering Reporting Officer: a leading fintech platform is seeking to appoint a Head of Compliance and Money Laundering Reporting Officer to support expansion into the UK market. This role combines SMF16 (Compliance Oversight) and SMF17 (Money Laundering Reporting Officer) and involves designing robust frameworks that ensure regulatory excellence, transparency, and fairness in AI-driven lending processes. The organisation focuses on accessible financial services with AI and Big Data technologies. Flexible remote work is available during the initial setup phase to support an inclusive environment where your expertise helps secure FCA authorisation and build trust in the UK market. What you'll do: As Head of Compliance and Money Laundering Reporting Officer, you will help safeguard the organisation's entry into the UK market by establishing best-in-class compliance frameworks. Your day-to-day activities include drafting essential documentation for FCA authorisation, acting as a key liaison with regulators, and building systems that underpin transparent operations. You will work with local and international teams to ensure the digital financial platform meets stringent regulatory standards. Success requires a proactive approach to risk management, clear communication with diverse stakeholders, and an unwavering commitment to customer fairness. Your efforts will lay the foundation for sustainable growth while fostering trust among consumers and partners. Lead the drafting of all compliance-related application materials required for FCA authorisation, including comprehensive manuals, AML/CTF policies, and consumer duty frameworks. Serve as the primary contact point for all interactions with the Financial Conduct Authority regarding compliance and financial crime matters. Design and implement the company's Three Lines of Defence model to ensure effective risk management across all business functions. Establish robust systems for transaction monitoring, suspicious activity reporting (SARs), and ongoing regulatory returns to maintain full compliance with UK regulations. Advise senior leadership on practical implications of UK regulations such as CONC, SYSC, DISP, ensuring operational alignment with legal requirements. Collaborate with international stakeholders to articulate complex regulatory concepts in an accessible manner. Oversee the development and maintenance of transparent AI-driven lending processes that prioritise fair treatment of customers. Monitor evolving regulatory landscapes to proactively update internal policies and procedures as needed. Support training initiatives to foster a culture of compliance throughout the organisation. Contribute to strategic decision-making by providing expert guidance on emerging risks related to financial crime prevention. What you bring: Your proven track record in senior compliance roles within UK consumer credit institutions will be instrumental in driving success as Head of Compliance and Money Laundering Reporting Officer. You bring technical expertise and an empathetic approach that fosters understanding among colleagues from diverse backgrounds. You can translate complex regulations into actionable strategies to ensure seamless integration of compliance requirements into daily operations. By leveraging your deep industry knowledge alongside strong interpersonal skills, you will help build a culture rooted in transparency, fairness, and shared responsibility. Your hands-on attitude means you are ready to tackle challenges head-on while supporting others through training initiatives that promote continuous improvement. Demonstrated experience holding SMF16 (Compliance Oversight) and SMF17 (Money Laundering Reporting Officer) functions or significant deputy roles within a UK consumer credit institution. Current valid FCA approval is highly advantageous for immediate registration as part of authorisation application. Comprehensive understanding of the Financial Services and Markets Act (FSMA), FCA Handbook (especially CONC), and Money Laundering Regulations relevant to consumer credit operations. Proven ability to design compliance frameworks from scratch, including policy writing and process implementation tailored to digital financial platforms. Exceptional resilience in communicating complex regulatory concepts clearly to stakeholders from varied international backgrounds. Hands-on approach with willingness to engage directly in operational tasks necessary for successful compliance setup. Strong interpersonal skills enabling effective collaboration across teams and departments. Experience advising senior management on regulatory matters affecting business strategy and operations. Ability to monitor regulatory changes proactively and adapt internal practices accordingly. Commitment to upholding principles of transparency, fairness, and inclusivity in all aspects of compliance. What sets this company apart: This organisation stands out as a global leader in fintech innovation, committed to making financial services more accessible through advanced technology. Their track record across international markets demonstrates a dedication to inclusive finance models that benefit millions of consumers. The company offers flexible working arrangements during critical phases such as initial setup, empowering you to manage your work-life balance. It values collaboration, knowledge sharing, and mutual support within its teams, with emphasis on professional growth through ongoing training and recognition of individual contributions. You will be part of an environment where your expertise is respected and your career can flourish alongside organisational success. What's next: If you are passionate about shaping the future of digital finance through responsible compliance leadership, this is your chance to make a meaningful impact-apply now! Location: London Contract Type: Permanent Focus: Compliance Workplace Type: Remote Experience Level: Director Salary: £130,000 - £160,000 per annum Notes: This job description has been trimmed to remove extraneous boilerplate and ensure clear, recruiter-friendly content.
Mar 10, 2026
Full time
Head of Compliance & MLRO - FinTech (Lending) Head of Compliance and Money Laundering Reporting Officer: a leading fintech platform is seeking to appoint a Head of Compliance and Money Laundering Reporting Officer to support expansion into the UK market. This role combines SMF16 (Compliance Oversight) and SMF17 (Money Laundering Reporting Officer) and involves designing robust frameworks that ensure regulatory excellence, transparency, and fairness in AI-driven lending processes. The organisation focuses on accessible financial services with AI and Big Data technologies. Flexible remote work is available during the initial setup phase to support an inclusive environment where your expertise helps secure FCA authorisation and build trust in the UK market. What you'll do: As Head of Compliance and Money Laundering Reporting Officer, you will help safeguard the organisation's entry into the UK market by establishing best-in-class compliance frameworks. Your day-to-day activities include drafting essential documentation for FCA authorisation, acting as a key liaison with regulators, and building systems that underpin transparent operations. You will work with local and international teams to ensure the digital financial platform meets stringent regulatory standards. Success requires a proactive approach to risk management, clear communication with diverse stakeholders, and an unwavering commitment to customer fairness. Your efforts will lay the foundation for sustainable growth while fostering trust among consumers and partners. Lead the drafting of all compliance-related application materials required for FCA authorisation, including comprehensive manuals, AML/CTF policies, and consumer duty frameworks. Serve as the primary contact point for all interactions with the Financial Conduct Authority regarding compliance and financial crime matters. Design and implement the company's Three Lines of Defence model to ensure effective risk management across all business functions. Establish robust systems for transaction monitoring, suspicious activity reporting (SARs), and ongoing regulatory returns to maintain full compliance with UK regulations. Advise senior leadership on practical implications of UK regulations such as CONC, SYSC, DISP, ensuring operational alignment with legal requirements. Collaborate with international stakeholders to articulate complex regulatory concepts in an accessible manner. Oversee the development and maintenance of transparent AI-driven lending processes that prioritise fair treatment of customers. Monitor evolving regulatory landscapes to proactively update internal policies and procedures as needed. Support training initiatives to foster a culture of compliance throughout the organisation. Contribute to strategic decision-making by providing expert guidance on emerging risks related to financial crime prevention. What you bring: Your proven track record in senior compliance roles within UK consumer credit institutions will be instrumental in driving success as Head of Compliance and Money Laundering Reporting Officer. You bring technical expertise and an empathetic approach that fosters understanding among colleagues from diverse backgrounds. You can translate complex regulations into actionable strategies to ensure seamless integration of compliance requirements into daily operations. By leveraging your deep industry knowledge alongside strong interpersonal skills, you will help build a culture rooted in transparency, fairness, and shared responsibility. Your hands-on attitude means you are ready to tackle challenges head-on while supporting others through training initiatives that promote continuous improvement. Demonstrated experience holding SMF16 (Compliance Oversight) and SMF17 (Money Laundering Reporting Officer) functions or significant deputy roles within a UK consumer credit institution. Current valid FCA approval is highly advantageous for immediate registration as part of authorisation application. Comprehensive understanding of the Financial Services and Markets Act (FSMA), FCA Handbook (especially CONC), and Money Laundering Regulations relevant to consumer credit operations. Proven ability to design compliance frameworks from scratch, including policy writing and process implementation tailored to digital financial platforms. Exceptional resilience in communicating complex regulatory concepts clearly to stakeholders from varied international backgrounds. Hands-on approach with willingness to engage directly in operational tasks necessary for successful compliance setup. Strong interpersonal skills enabling effective collaboration across teams and departments. Experience advising senior management on regulatory matters affecting business strategy and operations. Ability to monitor regulatory changes proactively and adapt internal practices accordingly. Commitment to upholding principles of transparency, fairness, and inclusivity in all aspects of compliance. What sets this company apart: This organisation stands out as a global leader in fintech innovation, committed to making financial services more accessible through advanced technology. Their track record across international markets demonstrates a dedication to inclusive finance models that benefit millions of consumers. The company offers flexible working arrangements during critical phases such as initial setup, empowering you to manage your work-life balance. It values collaboration, knowledge sharing, and mutual support within its teams, with emphasis on professional growth through ongoing training and recognition of individual contributions. You will be part of an environment where your expertise is respected and your career can flourish alongside organisational success. What's next: If you are passionate about shaping the future of digital finance through responsible compliance leadership, this is your chance to make a meaningful impact-apply now! Location: London Contract Type: Permanent Focus: Compliance Workplace Type: Remote Experience Level: Director Salary: £130,000 - £160,000 per annum Notes: This job description has been trimmed to remove extraneous boilerplate and ensure clear, recruiter-friendly content.
Up to £75,000 plus excellent bonus and benefits Are you an analytically driven payments professional with a talent for spotting patterns and managing risk in real-time? We are recruiting for a Risk Monitoring Manager on behalf of a leading UK-based FinTech EMI specializing in card issuing and acquiring. This is a hands-on First Line of Defence (1LOD) leadership role focused on protecting the merchant portfolio through rigorous transaction surveillance, fraud detection, and operational discipline. Reporting to the Head of Risk Monitoring, you will lead the day-to-day execution of monitoring activities. This role is perfect for a hands on candidate who can dive into complex data sets while supervising a team of analysts to ensure all alerts are handled with precision. Key Responsibilities of the FLOD Risk Monitoring Manager to include: Transaction & Merchant Surveillance: Manage the daily triage of transaction alerts to identify unusual, suspicious, or out-of-profile activity. Rule & Pattern Analysis: Track merchant-level fraud ratios, refund spikes, and TPV volatility to identify deteriorating performance. Team Leadership: Support, coach, and develop monitoring analysts, setting priorities and managing high-volume workflows. Risk Escalation: Maintain clear case records and escalate merchant laundering indicators or control concerns to the Head of Risk and MLRO. MI & Reporting: Produce detailed daily and weekly reports on alert volumes, chargeback exposure, and portfolio anomalies. System Optimization: Proactively refine rule sets, SOPs, and monitoring workflows to improve detection effectiveness Requirements for the successful FLOD Risk Monitoring Manager to include: We are looking for a candidate who is deeply "data-literate" and understands the mechanics of the merchant acquiring ecosystem: Industry Expertise: 4+ years of experience in merchant monitoring, fraud operations, or payment risk within a FinTech, PSP, or Acquirer . Merchant Acquiring Knowledge: Strong understanding of chargeback drivers, merchant risk indicators, and post-underwrite surveillance. Scheme & Regulatory Familiarity: Practical knowledge of Visa and Mastercard monitoring programs and UK financial crime escalation requirements. Technical Mastery: High proficiency in Excel and experience using monitoring platforms, case management tools, and BI reporting environments. Leadership Grit: Proven ability to supervise analysts and maintain high quality-assurance standards in a fast-paced environment. Why Join? This role is a central pillar in the company's risk function, offering a direct path toward senior operational leadership. Location: Modern office in Central London. Holidays: 30 days of annual leave plus bank holidays. Comprehensive Benefits: Private health insurance, employer-contributed pension, and support for professional certifications like ICA or ACAMS . This vacancy is being advertised by Montpellier Resourcing Associates Limited. The services advertised by Montpellier Associates Resourcing Limited are those of an Employment Agency
Mar 05, 2026
Full time
Up to £75,000 plus excellent bonus and benefits Are you an analytically driven payments professional with a talent for spotting patterns and managing risk in real-time? We are recruiting for a Risk Monitoring Manager on behalf of a leading UK-based FinTech EMI specializing in card issuing and acquiring. This is a hands-on First Line of Defence (1LOD) leadership role focused on protecting the merchant portfolio through rigorous transaction surveillance, fraud detection, and operational discipline. Reporting to the Head of Risk Monitoring, you will lead the day-to-day execution of monitoring activities. This role is perfect for a hands on candidate who can dive into complex data sets while supervising a team of analysts to ensure all alerts are handled with precision. Key Responsibilities of the FLOD Risk Monitoring Manager to include: Transaction & Merchant Surveillance: Manage the daily triage of transaction alerts to identify unusual, suspicious, or out-of-profile activity. Rule & Pattern Analysis: Track merchant-level fraud ratios, refund spikes, and TPV volatility to identify deteriorating performance. Team Leadership: Support, coach, and develop monitoring analysts, setting priorities and managing high-volume workflows. Risk Escalation: Maintain clear case records and escalate merchant laundering indicators or control concerns to the Head of Risk and MLRO. MI & Reporting: Produce detailed daily and weekly reports on alert volumes, chargeback exposure, and portfolio anomalies. System Optimization: Proactively refine rule sets, SOPs, and monitoring workflows to improve detection effectiveness Requirements for the successful FLOD Risk Monitoring Manager to include: We are looking for a candidate who is deeply "data-literate" and understands the mechanics of the merchant acquiring ecosystem: Industry Expertise: 4+ years of experience in merchant monitoring, fraud operations, or payment risk within a FinTech, PSP, or Acquirer . Merchant Acquiring Knowledge: Strong understanding of chargeback drivers, merchant risk indicators, and post-underwrite surveillance. Scheme & Regulatory Familiarity: Practical knowledge of Visa and Mastercard monitoring programs and UK financial crime escalation requirements. Technical Mastery: High proficiency in Excel and experience using monitoring platforms, case management tools, and BI reporting environments. Leadership Grit: Proven ability to supervise analysts and maintain high quality-assurance standards in a fast-paced environment. Why Join? This role is a central pillar in the company's risk function, offering a direct path toward senior operational leadership. Location: Modern office in Central London. Holidays: 30 days of annual leave plus bank holidays. Comprehensive Benefits: Private health insurance, employer-contributed pension, and support for professional certifications like ICA or ACAMS . This vacancy is being advertised by Montpellier Resourcing Associates Limited. The services advertised by Montpellier Associates Resourcing Limited are those of an Employment Agency
Head of Compliance & MLRO role based in London. Head office in London but can be fully remote. We are a P2P Lending company and in a perfect world would like to have a person in this role who has experience in this area. Initially we would ask that the candidate be prepared to work under the current incumbent of the role working towards taking it over in full within say 6 months or less. Roles and Responsibilities Compliance Manager (SMF16): Focuses on a broad mandate, ensuring the firm adheres to all FCA Handbook rules and internal policies. Duties include monitoring regulatory changes, conducting risk assessments, and overseeing data protection. The role would include: Board reporting on SMCR Updating Policies and Procedures and maintaining registers CASS reporting but not oversight Financial Promotion oversight, using tools provided Liaising with compliance advisors FCA reporting, monthly, weekly, quarterly, annually and as required Ensuring schedules are submitted within required time frames Complyportal GDPR/ ICO Oversight of Customer Services Complaints register and FOS Breaches Conflicts of Interest Any other duties as required MLRO (SMF17): Specifically oversees Anti-Money Laundering (AML) and Counter Terrorist Financing (CTF) frameworks. Liaising with law enforcement (e.g., the National Crime Agency (NCA and responsible for investigating and filing Suspicious Activity Reports (SARs). Core Requirements Seniority & Authority: The FCA expects MLROs to be senior leaders with sufficient authority to challenge business decisions and access all company records. Personal Accountability: These roles carry significant personal liability; failure to report suspicious activities can lead to fines or imprisonment under the Proceeds of Crime Act 2002. Qualifications: While not always mandatory on appointment, a form of certification would be a bonus and courses can be arranged. Reporting: The MLRO must submit an Annual MLRO Report to the board of directors, reviewing the effectiveness of the firm's financial crime controls. Robert Walters Operations Limited is an employment business and employment agency and welcomes applications from all candidates. About the job Contract Type: Permanent Focus: Compliance Workplace Type: Remote Experience Level: Director Location: London Specialism: Risk & Compliance Industry: Financial Services Salary: Negotiable Job Reference: RBACW5-D7B3AE28 Date posted: 26 January 2026 Consultant: George Warrington
Mar 05, 2026
Full time
Head of Compliance & MLRO role based in London. Head office in London but can be fully remote. We are a P2P Lending company and in a perfect world would like to have a person in this role who has experience in this area. Initially we would ask that the candidate be prepared to work under the current incumbent of the role working towards taking it over in full within say 6 months or less. Roles and Responsibilities Compliance Manager (SMF16): Focuses on a broad mandate, ensuring the firm adheres to all FCA Handbook rules and internal policies. Duties include monitoring regulatory changes, conducting risk assessments, and overseeing data protection. The role would include: Board reporting on SMCR Updating Policies and Procedures and maintaining registers CASS reporting but not oversight Financial Promotion oversight, using tools provided Liaising with compliance advisors FCA reporting, monthly, weekly, quarterly, annually and as required Ensuring schedules are submitted within required time frames Complyportal GDPR/ ICO Oversight of Customer Services Complaints register and FOS Breaches Conflicts of Interest Any other duties as required MLRO (SMF17): Specifically oversees Anti-Money Laundering (AML) and Counter Terrorist Financing (CTF) frameworks. Liaising with law enforcement (e.g., the National Crime Agency (NCA and responsible for investigating and filing Suspicious Activity Reports (SARs). Core Requirements Seniority & Authority: The FCA expects MLROs to be senior leaders with sufficient authority to challenge business decisions and access all company records. Personal Accountability: These roles carry significant personal liability; failure to report suspicious activities can lead to fines or imprisonment under the Proceeds of Crime Act 2002. Qualifications: While not always mandatory on appointment, a form of certification would be a bonus and courses can be arranged. Reporting: The MLRO must submit an Annual MLRO Report to the board of directors, reviewing the effectiveness of the firm's financial crime controls. Robert Walters Operations Limited is an employment business and employment agency and welcomes applications from all candidates. About the job Contract Type: Permanent Focus: Compliance Workplace Type: Remote Experience Level: Director Location: London Specialism: Risk & Compliance Industry: Financial Services Salary: Negotiable Job Reference: RBACW5-D7B3AE28 Date posted: 26 January 2026 Consultant: George Warrington
