Head of Compliance & MLRO - FinTech (Lending)

Head of Compliance and Money Laundering Reporting Officer A leading fintech platform is seeking a Head of Compliance and Money Laundering Reporting Officer to play a pivotal role in their expansion into the UK market. This position offers you the opportunity to shape the compliance landscape for a digital financial platform, combining two critical Senior Management Functions: SMF16 (Compliance Oversight) and SMF17 (Money Laundering Reporting Officer). You will be at the forefront of designing robust frameworks that ensure regulatory excellence, transparency, and fairness in AI-driven lending processes. The organisation is renowned for its commitment to accessible financial services, leveraging advanced Artificial Intelligence and Big Data technologies. With flexible remote working during the initial setup phase, this role provides an inclusive and supportive environment where your expertise will directly influence the company’s success in securing FCA authorisation and building a trusted presence in the UK. * Shape the compliance strategy for a cutting-edge digital financial platform entering the UK market, with direct impact on regulatory success and consumer trust. * Enjoy flexible remote working opportunities during the initial setup phase, allowing you to balance professional responsibilities with personal commitments. * Join a collaborative team dedicated to inclusive finance, transparency, and fairness, where your knowledge will be valued and your contributions recognised.

What you'll do:

As Head of Compliance and Money Laundering Reporting Officer, you will be entrusted with safeguarding the organisation’s entry into the UK market by establishing best-in-class compliance frameworks. Your day-to-day activities will involve drafting essential documentation for FCA authorisation, acting as a key liaison with regulators, and building systems that underpin transparent operations. You will work collaboratively with both local and international teams to ensure that every aspect of the digital financial platform meets stringent regulatory standards. Success in this role requires a proactive approach to risk management, clear communication with diverse stakeholders, and an unwavering commitment to customer fairness. Your efforts will lay the foundation for sustainable growth while fostering trust among consumers and partners alike.

• Lead the drafting of all compliance-related application materials required for FCA authorisation, including comprehensive manuals, AML/CTF policies, and consumer duty frameworks.
• Serve as the primary contact point for all interactions with the Financial Conduct Authority regarding compliance and financial crime matters.
• Design and implement the company’s 'Three Lines of Defence' model to ensure effective risk management across all business functions.
• Establish robust systems for transaction monitoring, suspicious activity reporting (SARs), and ongoing regulatory returns to maintain full compliance with UK regulations.
• Advise senior leadership on practical implications of UK regulations such as CONC, SYSC, DISP, ensuring operational alignment with legal requirements.
• Collaborate closely with international stakeholders to articulate complex regulatory concepts in an accessible manner.
• Oversee the development and maintenance of transparent AI-driven lending processes that prioritise fair treatment of customers.
• Monitor evolving regulatory landscapes to proactively update internal policies and procedures as needed.
• Support training initiatives to foster a culture of compliance throughout the organisation.
• Contribute to strategic decision-making by providing expert guidance on emerging risks related to financial crime prevention.

What you bring:

Your proven track record in senior compliance roles within UK consumer credit institutions will be instrumental in driving success as Head of Compliance and Money Laundering Reporting Officer. You bring not only technical expertise but also an empathetic approach that fosters understanding among colleagues from diverse backgrounds. Your ability to translate complex regulations into actionable strategies ensures seamless integration of compliance requirements into daily operations. By leveraging your deep industry knowledge alongside strong interpersonal skills, you will help build a culture rooted in transparency, fairness, and shared responsibility. Your hands-on attitude means you are ready to tackle challenges head-on while supporting others through training initiatives that promote continuous improvement.

• Demonstrated experience holding SMF16 (Compliance Oversight) and SMF17 (Money Laundering Reporting Officer) functions or significant deputy roles within a UK consumer credit institution.
• Current valid FCA approval is highly advantageous for immediate registration as part of authorisation application.
• Comprehensive understanding of the Financial Services and Markets Act (FSMA), FCA Handbook (especially CONC), and Money Laundering Regulations relevant to consumer credit operations.
• Proven ability to design compliance frameworks from scratch, including policy writing and process implementation tailored to digital financial platforms.
• Exceptional resilience in communicating complex regulatory concepts clearly to stakeholders from varied international backgrounds.
• Hands-on approach with willingness to engage directly in operational tasks necessary for successful compliance setup.
• Strong interpersonal skills enabling effective collaboration across teams and departments.
• Experience advising senior management on regulatory matters affecting business strategy and operations.
• Ability to monitor regulatory changes proactively and adapt internal practices accordingly.
• Commitment to upholding principles of transparency, fairness, and inclusivity in all aspects of compliance.

What sets this company apart:

This organisation stands out as a global leader in fintech innovation, committed to making financial services more accessible through advanced technology. Their proven track record across international markets demonstrates a dedication to inclusive finance models that benefit millions of consumers. Employees enjoy flexible working arrangements during critical phases such as initial setup—empowering you to manage your work-life balance effectively. The company values collaboration, knowledge sharing, and mutual support within its teams. By joining this forward-thinking environment, you become part of a network that prioritises transparency, ethical conduct, and customer-centric solutions. The supportive leadership encourages professional growth through ongoing training opportunities while recognising individual contributions towards collective goals. Here you will find an atmosphere where your expertise is respected, your voice is heard, and your career can flourish alongside organisational success.

What's next:

If you are passionate about shaping the future of digital finance through responsible compliance leadership, this is your chance to make a meaningful impact—apply now!

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