Raisin
Deputy Money Laundering Reporting Officer UK
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Deputy Money Laundering Reporting Officer UK
Deputy MLRO – Integrated Compliance & Financial Crime Expert (UK)
About the Role
Raisin is the world’s leading platform for savings and investment products, connecting consumers with banks across the EU, UK, and US. With over 80 billion euros in assets from more than one million investors and a UK team of 2, this is an opportunity for a seasoned financial crime professional to become the formal Deputy MLRO while shaping compliance strategy in a scalable FinTech environment.
Your impact will start immediately—acting as a critical link between AML/CTF oversight, sanctions handling, and UK regulatory alignment, while collaborating closely with AML operations and bank partnerships.
Reporting to: Head of Compliance (UK) Team style: Small yet strategic, with direct exposure to senior leadership.
Responsibilities
As the Deputy MLRO, your core focus will be:
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AML/CTF leadership:
- Formal deputisation for the MLRO (SMF17), supporting second-line oversight of Raisin UK’s financial crime prevention strategy; ensure alignment with FCA expectations and UK regulatory requirements (e.g. MLRs, POCA, JMLSG).
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Policy & framework development:
- Assist in drafting/maintaining AML/CTF risk assessments, policies, and procedures, translating regulatory standards into actionable compliance guidance.
- Act as the subject matter expert for internal teams—advisory on onboarding, product developments, and external regulatory queries.
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Monitoring & control enhancement:
- Define/implement robust second-line controls (including testing financial crime systems) to identify gaps and drive continuous framework improvements.
- Conduct horizon-scanning on emerging AML/CTF sanctions risks and report findings to SLT.
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Case management:
- Oversee investigations into unusual activity reports; draft and submit Suspicious Activity Reports (SARs) with adherence to regulatory timelines.
- Manage financial crime inquiries from partners/banks—align responses with internal policies and FCA expectations.
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Governance & reporting:
- Represent Compliance in internal forums (e.g. Risk Committee) to advise on speculative risk areas.
- Support regulatory reporting processes (e.g. NCA filings, DFS responses).
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Ownership & autonomy:
- Act with entrepreneurial independence—own the execution across all compliance functions while ensuring cross-departmental facilitation.
Requirements
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Proven expertise in UK financial crime compliance (FinTech/payments preferred):
- Senior Financial Crime Manager looking to level-up into a formal MLRO deputisation with AML oversight responsibility.
- Deep understanding of:
- FCA Handbook
- UK Money Laundering Regulations, JMLSG guidance
- POCA, Proceeds of Crime Act
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Hands-on competency in:
- Conducting controls testing, escalating financial crime alerts
- Drafting and submitting SARs
- Collaborating across compliance/operations to interpret regulatory nuance
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Competencies:
- Entrepreneurial mindset: ownership of autonomy, a disposition to grow beyond financial crime testing (e.g. broader compliance across risk/data/wide regulatory).
- Pragmatic yet complex thinking: translate intricate rules into seamless business alignment.
- Team leader: ability to Structure advice for non-specialists; facilitate decentralised governance within a global compliance environment.
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Credibility markers:
- Designation/competency: Preferred qualification: ICA Diploma in AML or ACAMS.
Benefits
Raisin fosters openness, collaboration, and growth—where your contribution sets the standard.
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Investment in you:
- £1,700 employee development budget + 4 full training days/year.
- Career growth: Path to beyond specialisation while fostering broader compliance insight.
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Wellbeing & community:
- Fully stocked kitchen (daily fruit, snacks/coffee, leisure snacks).
- Hybrid module: Twice-weekly office presence, with club-related events (including annual European retreat).
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Perks & sustenance:
- 28 days paid leave (+ Bank Holidays).
- 1-day birth leave.
- Pension matched at minimum 5%.
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