dlocal - MLRO - UK

• ## What will I be doing? • Act as the SMF16/17 responsible person for Compliance and AML/CFT matters, ensuring compliance with applicable FCA regulations and financial crime obligations. • Serve as the main point of contact for compliance-related queries, providing guidance and support to business stakeholders across the organization. • Maintain oversight of the firm’s regulatory risk framework, identifying emerging and existing risks and implementing appropriate mitigation strategies in partnership with the business. • Lead and enhance the AML/CFT framework across all relevant jurisdictions and business areas, ensuring alignment with regulatory expectations and internal standards. • Develop, review, and maintain compliance policies, procedures, and controls related to AML, sanctions, financial crime, operational resilience, outsourcing, and broader regulatory requirements. • Monitor and assess the impact of new and evolving regulations, including PSD3, 6AMLD, DORA, NIS2, CESOP, ESG, and other applicable frameworks. • Design and execute compliance monitoring programs, thematic reviews, and testing activities across key regulatory areas and third-party arrangements. • Conduct enterprise-wide and cross-border AML/CFT risk assessments, evaluating risks associated with products, services, clients, and geographic exposure. • Review and oversee KYC and onboarding processes for new and existing clients, ensuring adherence to AML and regulatory requirements. • Investigate compliance incidents, suspicious activity, and regulatory breaches, ensuring appropriate escalation, remediation, and reporting where required, including SAR/STR filings. • Prepare and submit regulatory reports and returns to relevant authorities in a timely manner. • Produce and present compliance, financial crime, and risk reports to senior management, boards, and governance committees. • Partner with Internal Audit, regulators, and law enforcement bodies during inspections, audits, and reviews. • Drive training and awareness initiatives to ensure employees remain informed about evolving AML/CFT obligations and regulatory expectations. • Support the continuous evolution of the compliance and risk management framework through automation, process improvements, and scalable controls. • 8+ years of experience in Compliance, Financial Crime, Risk, or Regulatory roles within regulated financial services environments. • Previous experience operating at SMF16 and/or SMF17 level, or in a senior compliance leadership role, is strongly preferred. • Strong knowledge of FCA regulatory requirements, AML/CFT frameworks, sanctions compliance, and financial crime controls. • Experience within payments, fintech, retail banking, or international financial services environments is highly preferred. • Solid understanding of regulatory frameworks such as PSD3, 6AMLD, DORA, NIS2, CESOP, ESG, and broader operational resilience requirements. • Hands-on experience with KYC onboarding, transaction monitoring, suspicious activity investigations, and regulatory reporting. • Strong understanding of risk management methodologies and internal control frameworks. • Ability to work cross-functionally with senior stakeholders in fast-paced, evolving, and international environments. • Excellent analytical, problem-solving, and decision-making skills, with strong attention to detail and commercial judgment. • Outstanding communication and stakeholder management skills, including experience presenting to boards, regulators, and executive leadership. • Bachelor’s degree in Law, Economics, Finance, Business, or a related field. • Professional certifications in Compliance, AML, or Risk Management are a plus.