Company
Electronic Money Institution
SeniorComplianceOfficer/MLRO
Neural analysis suggests this role is
optimal for Senior candidates.
“Senior Compliance Officer / MLRO. Skills: Regulatory Compliance, MLRO, DPO, FCA Regulations, UK GDPR, AML/CTF. Lead regulatory compliance, financial crime risk management, and data protection functions. Act as Money Laundering Reporting Officer (MLRO), Chief Risk & Compliance Officer (CRCO), and Data Protection Officer (DPO)”
What You'll Achieve.
Ensure full adherence to FCA regulations, UK GDPR, and global AML/CTF standards; Maintain operational integrity; Manage financial crime risk; Ensure data protection and privacy compliance; Achieve Compliance KPIs for performance-based bonuses
Industry & Context.
Ability to translate complex legal requirements into actionable operational procedures; Risk-Based Decision Making: Ability to make critical decisions in high-pressure, complex regulatory scenarios
UK Residence is a must, Successful candidates must pass enhanced background and credit checks
What They're Looking For.
Must Have
Minimum 5-7 years of senior compliance experience within a UK FCA-regulated financial institution (EMI, PI, or Bank), Deep technical knowledge of the Money Laundering Regulations 2017, FCA Specialist Sourcebooks, and UK GDPR, Proven track record of interacting with the FCA/NCA and reporting directly to a Board of Directors, UK Residence is a must
Nice to Have
Professional certifications (CAMS, ICA, or CIPP/E) are highly desirable
What You'll Do.
Lead regulatory compliance
financial crime risk management
and data protection functions
Act as Money Laundering Reporting Officer (MLRO)
Chief Risk & Compliance Officer (CRCO)
and Data Protection Officer (DPO)
Ensure full adherence to FCA regulations
and global AML/CTF standards
Serve as the primary point of contact for the FCA
and law enforcement agencies
Monitor and analyze new regulatory developments and implement necessary changes
Provide strategic advice to the Executive Board and CEO on regulatory obligations
Escalate material breaches or significant financial crime risks
Prepare and submit regulatory reports
Design and maintain the Enterprise-Wide Risk Management (ERM) program
Approve new products and initiatives using 'Compliance by Design' principles
Oversee the AML/CTF framework
Act as the nominated officer for Suspicious Activity Reports (SARs)
Oversee Transaction Monitoring system thresholds and quality assurance
Monitor adherence to UK GDPR and Data Protection Act 2018
Lead the response to Data Subject Access Requests (DSARs)
Manage data breach handling/notifications
Deliver firm-wide training on compliance topics
Execute the Compliance Monitoring Plan
How You'll Work.
Team & Collaboration
Provide strategic advice to the Executive Board and CEO; Liaise with FCA, NCA, ICO, and law enforcement agencies; Manage internal stakeholder communication for regulatory reporting and compliance culture; Deliver firm-wide training
Communication Scope
Exceptional written and verbal communication skills for regulatory reporting and internal stakeholder management
Full Job Description
On-site | UK | Full-time (Hybrid/Remote - Office located in London) | UK Residence is a must Overview We are seeking a highly experienced Senior Compliance Officer, MLRO & DPO to lead our regulatory compliance, financial crime risk management, and data protection functions for our FCA-regulated Electronic Money Institution (EMI). The successful candidate will hold a triple-mandate responsibility: acting as the Money Laundering Reporting Officer (MLRO), Chief Risk & Compliance Officer (CRCO), and Data Protection Officer (DPO). You will be the primary guardian of our operational integrity, ensuring full adherence to FCA regulations, UK GDPR, and global AML/CTF standards. Key Responsibilities 1. Regulatory Oversight & Liaison (CRCO & MLRO) - Central Liaison: Serve as the primary point of contact for the FCA, NCA, ICO, and law enforcement agencies. - Regulatory Intelligence: Monitor and analyze new developments (FCA Handbook, PSRs/EMRs, Consumer Duty) and implement necessary changes to business activities. - Board Advisory: Provide strategic advice to the Executive Board and CEO on regulatory obligations, escalating material breaches or significant financial crime risks promptly. - Reporting: Prepare and submit quarterly Regulatory Assurance Reports, the Annual MLRO Report, and all required EMI-specific disclosures. 2. Risk Management & Governance - Framework Ownership: Design and maintain the Enterprise-Wide Risk Management (ERM) program, Risk Appetite Statement, and Risk Register. - Internal Controls: Proactively identify operational, safeguarding, and conduct risks. Conduct annual Risk & Control Self-Assessments (RCSA). - Product Compliance: Approve new products and initiatives using "Compliance by Design" principles, ensuring all marketing and client agreements meet FCA standards. - Reporting Metrics: Collect and analyze KRIs and KPIs, maintaining a comprehensive Incidents Log to evaluate non-compliance risks. 3. AML/CTF & Financial Crime Prevention (MLRO) - Program
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