Key Responsibilities

📍Policy Ownership: Take full ownership of developing, writing, and maintaining the firm's UK policy framework in financial crime including CDD, KYC, EDD, and Transacting Monitoring. Work with the wider financial crime leadership team on the Financial Crime Risk Assessment and Client Risk Assessment. Ensure that new typologies and risks are seamlessly incorporated into these policies and frameworks, and collaborate with the 1st Line on the implementation of procedures and transaction monitoring rules. 📍Financial Crime Risk Assessment: Take the lead on conducting comprehensive financial crime risk assessments for the UK business including all new products, services, and technologies before they are launched. This includes identifying potential money laundering, terrorist financing, and sanctions risks. 📍Onboarding Expert Advisory & Escalations: Act as first 2nd Line reviewer and approver of UK high risk client onboarding decisions and high risk transactions. Serve as the primary UK escalation point and subject matter expert for the 1st Line teams, particularly on high risk customers and alert investigations. Provide risk-based decisions and recommendations on complex corporate structures, source of wealth/funds, and high-risk client profiles specific to the digital asset industry and results of screening.

What are we looking for

📍You will have worked in the FCA-regulated payments, e-money, crypto or banking sectors in the UK previously where you have gained at least 5 years proven experience in a senior financial crime, AML, or compliance role, covering CDD/EDD, Sanctions and Transaction Monitoring and investigations. Expertise in providing 2nd line Compliance advisory support and managing escalations for a frontline team. 📍Prior experience as a Deputy MLRO or MLRO is desirable but not critical for the right candidate who has proven ability to step up. Opportunity for those with DMLRO experience to step up to MLR in time. 📍Demonstrable experience working with and understanding the risks of institutional clients operating in the payments and crypto/digital asset industry (e.g., exchanges, funds, market makers). Familiarity with blockchain analytics tooling and investigations, particularly Chainalysis. 📍Confident in handling an institutional client base, sometimes involving complex corporate structures, source of wealth, and financial crime typologies in the digital asset space, as well as screening results. 📍Strong understanding of the UK (and some EU) AML, CTF, and Sanctions rules and regulations, the FCA Handbook and associated guidance applicable to payments and e-money firms, as well as regulatory expectations. Additionally you will have experience or familiarity around those rules, regulations and expectations in the crypto assets sector and the emerging regulatory landscape.

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