Global Head of Compliance & MLRO - EMI Payments

Compliance Leadership

• Lead and oversee the global Compliance function across multiple regulated jurisdictions.
• Develop, implement and maintain the organisation's compliance strategy, governance framework, policies and procedures.
• Ensure ongoing compliance with all applicable regulatory requirements and industry standards.
• Provide strategic advice to senior leadership on regulatory developments, compliance obligations and emerging risks.
• Monitor legislative and regulatory changes and ensure appropriate implementation across the business.

Financial Crime & MLRO Responsibilities

• Act as the nominated Money Laundering Reporting Officer (MLRO) in relevant jurisdictions and oversee local MLRO resources where applicable.
• Review high-risk customer relationships, complex transactions and escalated financial crime matters.
• Determine whether suspicious activity requires reporting to relevant authorities.
• Maintain and continuously enhance the firm's AML, Counter-Terrorist Financing, sanctions and anti-fraud frameworks.
• Ensure the effectiveness of transaction monitoring, sanctions screening, customer due diligence and financial crime controls.
• Serve as the primary point of contact for law enforcement agencies, regulatory bodies and financial intelligence units in relation to financial crime matters.

Regulatory Management

• Act as the primary liaison with regulators and supervisory authorities.
• Oversee regulatory reporting obligations and regulatory submissions.
• Support licensing applications, regulatory permissions, audits and supervisory reviews.
• Ensure the organisation responds effectively to regulatory developments and changes in applicable legislation.
• Lead and oversee customer outcome frameworks, ensuring products, services and communications meet regulatory expectations.
• Ensure the organisation can demonstrate fair customer outcomes, appropriate governance and effective monitoring arrangements.

Risk Management & Controls

• Own and lead the enterprise-wide risk management framework.
• Develop and maintain the organisation's risk appetite framework in partnership with the Board and Executive Team.
• Ensure effective governance through a robust three-lines-of-defence model.
• Embed strong risk identification, assessment, monitoring and mitigation processes across the business.
• Oversee the implementation and effectiveness of controls across operational, commercial and product functions.
• Maintain oversight of the corporate risk register, ensuring risks are appropriately assessed, escalated and mitigated.
• Deliver regular reporting to senior management and the Board on risk exposures, emerging risks and mitigation activities.
• Maintain responsibility for compliance and risk-related policies, frameworks and programmes, including:
  • Anti-Money Laundering (AML)
  • Counter-Terrorist Financing (CTF)
  • Sanctions Compliance
  • Fraud Prevention
  • Anti-Bribery & Corruption
  • Data Protection and Privacy

Scaling Compliance

• Support the continued evolution and scalability of the compliance and risk framework as the organisation grows internationally.
• Identify opportunities to improve efficiency through technology, automation and enhanced controls.
• Build, develop and mentor a high-performing compliance and financial crime team.
• Partner with stakeholders across Operations, Product, Technology and Commercial functions to embed compliance and risk considerations into business processes and decision-making.

Training & Culture

• Develop and deliver compliance, risk and financial crime training programmes across the organisation.
• Foster a strong culture of integrity, accountability and regulatory awareness.
• Promote proactive identification and management of compliance and financial crime risks.
• Ensure employees understand their regulatory obligations and responsibilities.