PayInc Payments

Anti Money Laundering Reporting Officer – AMLRO UK

PayInc Payments

full-time

Posted on:

Location Type: Remote

Location: United Kingdom

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About the role

  • Act as the designated AMLRO with overall responsibility for the oversight and effectiveness of all AML and CTF obligations across PayAngel.
  • Maintain and continuously enhance PayAngel’s AML and Financial Crime frameworks, policies, procedures, and controls, ensuring effective identification, assessment, monitoring, and mitigation of money laundering and terrorist financing risks.
  • Manage the end-to-end suspicious activity reporting process, including the receipt, review, investigation, escalation, and filing of SARs, and act as the primary liaison with UK law enforcement and regulatory authorities.
  • Ensure ongoing compliance with applicable UK regulatory requirements, including the Money Laundering Regulations, FCA rules, Consumer Duty, PSD2, and APP Fraud obligations, and monitor regulatory developments to advise senior management on emerging AML and financial crime risks.
  • Conduct enterprise-wide and product-specific AML and financial crime risk assessments, ensuring timely escalation and effective management of material risk issues.
  • Support regulatory examinations, audits, and inspections relating to AML and financial crime, including remediation of identified findings.
  • Develop and deliver AML and financial crime training programmes and promote a strong compliance and financial crime risk culture across PayAngel.
  • Prepare and present clear and comprehensive AML and financial crime reports and management information to senior management, the board, and regulators.
  • Collaborate with Product, Technology, Operations, Risk, and global compliance teams to embed compliance by design, provide clear regulatory requirements, and drive the effective implementation of AML and financial crime controls.

Requirements

  • Minimum of 5 to 7 years’ experience in AML, financial crime, compliance, or regulatory roles within financial services, fintech, or payments.
  • Proven experience acting as MLRO or AMLRO or in a senior financial crime role.
  • Strong knowledge of UK AML regulations and FCA expectations.
  • Demonstrated ability to manage SAR reporting and regulatory engagement.
  • Strong analytical, investigative, and risk assessment skills.
  • High level of integrity, independence, and sound judgement.
Benefits
  • Professional certification such as ICA, ACAMS, CISI, CFA, or equivalent
  • Experience supporting Consumer Duty and APP Fraud regulatory frameworks.
  • Prior experience in a scaling fintech or payments environment.
  • Bilingual is a plus.
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
AMLCTFfinancial crime frameworkssuspicious activity reportingrisk assessmentsregulatory complianceAML training programmesregulatory examinationsFCA rulesMoney Laundering Regulations
Soft Skills
analytical skillsinvestigative skillsrisk assessment skillsintegrityindependencesound judgementcommunication skillscollaborationleadershippresentation skills