pleo - Senior Financial Crime Compliance Officer / 12 months

• As a Senior Financial Crime Compliance Officer, your ownership may entail: • Lead core Group-wide Financial Crime Framework initiatives: Maintain and evolve our Enterprise-Wide Risk Assessment (EWRA) and Policy suite, ensuring they remain dynamic and aligned with EBA guidelines and local regulations. • Execute 2nd Line Monitoring: Design and conduct thematic reviews of 1st Line processes (Onboarding, Transaction Monitoring, CDD) to test control effectiveness and identify gaps before they become risks. • Advise on High-Risk Decisions: Act as the primary escalation point for complex cases and provide "check and challenge" on new product launches to ensure we balance commercial goals with regulatory obligations. • Drive Regulatory Horizon Scanning: Monitor the shifting EMI regulatory landscape (including UK MLRs and EU Directives), translating complex legal changes into actionable business requirements. • Mentor and Elevate Standards: Provide technical guidance to junior team members, fostering a culture of confidence and regulatory rigour within the FCC function. • A minimum of 6 years in Financial Crime Compliance, with at least 3 years specifically within a 2nd Line of Defense role where you held an oversight capacity. • A solid understanding of EMI business models, automated transaction monitoring logic, and API-led onboarding flows. • Strong communication skills and the ability to collaborate with 1st Line, Product and Ops teams, comfortably delivering constructive challenges to stakeholders when risks exceed our appetite. • A background holding an ICA Diploma (or equivalent) or ACAMS certification is a plus. • A passion for solving problems in creative ways, but also the willingness to "roll up your sleeves" and dive into data reconciliation or documentation when the team needs support. • Who you’ll be working with and reporting to • You’ll report to our Group Head of Financial Crime Compliance and work closely with teams in 1st Line Framework, Operations, Product, Engineering and Legal. Our team three in Financial Crime Compliance is highly collaborative and dedicated to protecting Pleo from financial crime risks and ensuring regulatory soundness. You’ll also have the chance to partner with teams across many other departments to ensure success.