Monitor and support compliance with: Electronic Money Regulations 2011, Payment Services Regulations 2017, Money Laundering Regulations 2017
Support regulatory change management and horizon scanning
Maintain, review, and enhance compliance policies, procedures, and frameworks
Provide regulatory advice and guidance to the business
Support the AML/CTF framework in line with UK regulatory and National Crime Agency (NCA) expectations
Oversee customer risk assessments, transaction monitoring, and sanctions screening
Assist with Suspicious Activity Reports (SARs) preparation and submission
Support investigations and work closely with the MLRO on complex financial crime matters
Conduct compliance monitoring reviews and thematic testing
Identify regulatory or control gaps and recommend remediation actions
Track, document, and report compliance issues, breaches, and remediation plans
Support FCA regulatory reporting and submissions
Assist with regulatory reviews, audits, visits, and information requests
Maintain logs of regulatory correspondence and regulatory interactions
Support safeguarding compliance for customer funds
Promote fair customer outcomes in line with Consumer Duty
Monitor complaints handling, conduct risks, and customer outcomes

Minimum 10 years’ UK compliance experience within: Electronic Money Institutions, Payment Institutions, Fintech, remittance, or cross-border payments businesses
Strong, hands-on knowledge of the UK FCA regulatory framework
Extensive experience across EMI / payments / safeguarding
Solid understanding of AML/CTF, sanctions, and financial crime controls
Strong analytical skills and attention to detail
Ability to explain complex regulatory issues clearly and pragmatically
Comfortable working in a regulated, fast-moving environment
Degree in Law, Finance, or a related discipline (preferred)
Professional compliance qualifications desirable (e.g. ICA, ACAMS)

Private Healthcare plan post probation.
Generous Pension Scheme.
Remote work allowance post probation beginning at 3 weeks in year 1 and increasing with tenure.
Additional special leave days such as extra day for birthday/moving home, extra days for marriage, graduation, citizenship ceremony.
Study and Exam Leave to further support career and educational growth.
Continuous Development Program sponsoring further education through courses and workshops.

Compliance Officer

Key skills