Capital on Tap - Deputy MLRO
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Requirements
• A solid understanding of complex ownership structures for SME businesses in the UK and US as a minimum. • Complex investigation skills required whether it be from ownership structures at onboarding to unravelling complex transaction patterns to identify anomalies on an ongoing basis. • Able to communicate effectively with stakeholders at every level in the organisation. • Able to manage multiple ongoing projects both within the FinCrime space and in product development. • Deep technical knowledge of AML/CTF regulations and regulatory expectations. • Proficient in quantifying abstract threats and determining if a client’s risk profile aligns with the firm’s "risk appetite” as well as having the confidence to make high-stakes "go/no-go" decisions on suspicious clients under time and commercial pressure. • The skill to explain complex compliance failures to non-experts and justify SAR filings to law enforcement. • Ability to maintain external awareness of the regulatory environment, ensuring risk assessment and policies and procedures are updated as required. • Previous management experience within Financial Crime. • Strong presenting skills, able to break complex subject matter down into simple terms. • Experience with SQL and strong Excel skills. • Appropriate industry accreditation such as ICA Diploma or ACAMs. • Diversity & Inclusion 🌈We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work. • Diversity & Inclusion
Responsibilities
• You will deputise for the MLRO, managing a growing team of Financial Crime Compliance Professionals. Providing advice to first line operational functions and other areas of the business as appropriate. • DMLRO: Support the MLRO in the development and ongoing management of our AML policies and procedures in line with statutory obligations and company risk appetite. • DMLRO • Operational excellence: Provide expert guidance to both 1LoD and 2LoD operations and review escalations related to suspicious activity, sanctions, PEPs, adverse media, complex ownership and high risk customers. • Operational excellence • SME: Act as a SME for both current and emerging regulatory obligations ensuring our assessment and subsequent management of risk is appropriate and aligned to the company risk appetite on an ongoing basis. • External stakeholders: Liaise with Law Enforcement, regulators and Partner Banks as a primary point of contact for investigations, reporting, audits and other ad hoc requests. • External stakeholders • Internal stakeholders: Establish strong relationships with applicable stakeholders and become the go to person for FC advisory within the business. • Internal stakeholders • Training: Develop targeted training for 1LoD and 2LoD financial crime teams and other parts of the business. • Training • MI: Feed into the MI framework and highlight financial crime risks to the business on an ongoing basis. • Controls: Feed into the ongoing maintenance of onboarding and ongoing due diligence controls. Bring hands on experience to assess and update existing controls to at a minimum industry standard. • Controls • We’re Looking For 🔎
Benefits
• Check out more of our benefits, values and mission here. • Other Info👍Check out our ‘Top Tips’ for interviewing.✔️Keep updated on new job opportunities by following us on Linkedin.📧Email [email protected] if you have any questions. • Other Info • Excited to work here? Apply!If you’d like to progress your career within our fast growing, profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days.) • Excited to work here? Apply!
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