Role Overview

We are seeking an experienced AMLRO to take ownership of our anti-money laundering and financial crime framework. This role will be critical in supporting our application for authorisation with the Financial Conduct Authority and ensuring ongoing compliance as the business grows.

The AMLRO will act as the firm’s subject matter expert on AML/CTF, sanctions, and financial crime prevention, working closely with the founders, legal advisors, and external consultants.

Key Responsibilities

Regulatory & Authorisation Support

• Lead AML/CTF inputs into the FCA authorisation application

• Advise on regulatory expectations for a community lending model

• Act as the named AMLRO (and potentially MLRO, subject to structure and approval)

• Liaise with the FCA as required on AML-related matters

AML & Financial Crime Framework

• Design, implement, and maintain proportionate AML/CTF policies and procedures

• Establish customer due diligence (CDD), enhanced due diligence (EDD), and ongoing monitoring frameworks

• Define risk-based approaches aligned to the firm’s products, customers, and delivery channels

• Oversee sanctions screening and PEP processes

Governance & Oversight

• Prepare and maintain AML risk assessments (business-wide and product-level)

• Support the establishment of governance structures, reporting, and MI

• Provide regular AML updates to senior management / Board

• Advise on suspicious activity reporting (SARs) and escalation processes

Ongoing Compliance Support

• Support day-to-day AML queries from the business

• Review and approve higher-risk customers or exceptions

• Keep the firm up to date with regulatory changes and best practice

• Assist with audits, regulatory reviews, and ongoing supervisory engagement