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Job Description: Head of Compliance & Money Laundering Reporting Officer
(MLRO)
London, United Kingdom (Hybrid/On-site)
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Full-time, Senior Management
About the Role
We are a UK-licensed Electronic Money Institution (EMI) seeking a highly skilled and visionary Head of Compliance & MLRO to join our leadership team. This is a pivotal role
where you will take full ownership of the compliance and financial crime prevention functions, acting as the firm’s primary point of contact with the regulator (FCA).

The successful candidate will be both strategic and hands-on: capable of designing, implementing, and scaling compliance and AML frameworks from the ground up, while also
executing day-to-day responsibilities with precision. As volumes grow, you will build and lead a team to ensure sustainable growth and regulatory excellence.
Key Responsibilities
  • Serve as the Money Laundering Reporting Officer (MLRO) and key contact with the
  • FCA and other regulatory authorities.
  • Develop, implement, and maintain a robust compliance and AML/CTF framework aligned with UK regulations (EMRs, PSD2, FCA Handbook, AMLD).
  • Design and establish all compliance policies, procedures, and controls from scratch, ensuring full regulatory coverage.
  • Conduct risk assessments, transaction monitoring, suspicious activity reporting (SARs), and enhanced due diligence (EDD).
  • Prepare and submit all regulatory reports (e.g., FCA returns, financial crime reports, SMCR responsibilities).
  • Act as the SMF16/17 function holder, ensuring accountability and governance under SMCR.
  • Advise the Board and senior management on compliance and AML/CTF risks, obligations, and best practices.
  • Provide training and guidance to employees to foster a culture of compliance across the organisation.• Lead regulatory change management, staying ahead of evolving laws, rules, and industry standards.
  • Scale and manage a compliance team as the business expands, providing leadership and mentorship.
  • Serve as an independent voice within the business, ensuring ethical and regulatory standards are met while supporting commercial objectives.
Requirements
  • Proven track record as a Head of Compliance, MLRO, or Deputy MLRO within an FCA-regulated firm (ideally EMI, payments, fintech, or banking).
  • In-depth knowledge of UK regulatory frameworks (EMRs, PSD2, MLR 2017, JMLSG guidance, FCA Handbook).
  • Demonstrated experience in building compliance and AML processes from the ground up.
  • Strong understanding of AML, CTF, sanctions, fraud, and financial crime risks in payments/EMI.
  • Experience in preparing and submitting regulatory returns and reports to the FCA.
  • Excellent leadership skills: ability to act as a hands-on operator initially and evolve into a strategic leader managing a team.
  • Strong analytical, problem-solving, and communication skills with the ability to influence at Board level.
  • High level of integrity, resilience, and ability to balance regulatory requirements with commercial realities.
  • Languages: Fluent English is required. Russian language skills are a strong advantage.
What We Offer
  • Competitive compensation with long-term incentives.
  • Modern office in central Tallinn.
  • Professional development and career growth opportunities.
  • High-end technology and tools from day one.
  • Collaborative and innovative work culture.
  • International exposure and dynamic team events.
Why This Role
  • A unique opportunity to join a high-growth fintech at a senior leadership level.
  • Full ownership of the compliance and AML agenda, with the autonomy to build a best-in-class function from scratch.
  • Competitive compensation package with potential long-term incentives.
  • Dynamic, innovative, and collaborative working environment.
Why Join Us
This is an opportunity to become a key member of an FCA-licensed fintech, where operational expertise and innovation meet to shape the future of digital payments. What We Offer

  • Competitive compensation with long-term incentives.
  • A modern office in the heart of Tallinn.
  • High-end tools and technology from day one.
  • Career growth and development opportunities.
  • A collaborative, innovative, and international environment.
  • Regular team events and cross-border exposure.
Apply for this role
Full-time, Senior Management
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