Cross River
UK Money Laundering Reporting Officer (MLRO)
Get notified of more jobs like this · No spam, ever
How your CV stacks up
Upload your CV to see how well it fits this job role
?%
Who We Are
Cross River builds the infrastructure behind the world’s most innovative financial products. Our technology and capital solutions power payments, cards, lending, and digital asset capabilities that move money safely, instantly, and inclusively — trusted by leading fintechs, enterprises, and disruptors across the globe.
Our mission is simple: to build the financial infrastructure that expands access and opportunity for all. Guided by a culture of collaboration, curiosity, and purpose, Cross River has been named one of American Banker’s Best Places to Work in Fintech year after year. Whether you’re designing code, solving regulatory puzzles, or developing strategy, you’ll join a team where innovation and integrity drive everything we do — and where your work helps shape the future of finance.
What We're Looking For
This position is an FCA-designated MLRO for our entity based in the UK. The person in this role will be responsible for AML/CTF program implementation, SAR filings, transaction monitoring oversight, and regulatory interface on financial crime matters.
Reasons to use Rodeo
Start with a chat, not a search bar
Grad scheme, placement, apprenticeship? Not sure what you want yet — that's fine. Your agent talks it through with you and turns "I have no idea" into a shortlist.
It searches the market for you
Every day your agent scans the market matching roles against what actually matters to you, not just keywords on a CV.
Only hits
No noise. No "maybe this fits." Just roles with a clear explanation of why they're right — and where to focus when applying.
Responsibilities
- Serve as FCA-approved MLRO under SM&CR (SMF17 function)
- Own UK AML/CTF compliance program (policies, procedures, controls)
- File Suspicious Activity Reports (SARs) to NCA
- Oversee transaction monitoring and sanctions screening operations
- Coordinate with IDT Finance on cross-border AML matters
- Manage customer risk assessments (KYB/KYCC for fintech clients)
- Conduct AML training for UK staff
- Interface with FCA on AML supervisory matters
- Manage UK SAR regime and consent processes
- Internal investigations for potential money laundering/terrorist financing
- Annual AML risk assessment and board reporting
- Maintain relationship with Joint Money Laundering Taskforce (JMLIT)
Qualifications
- 8+ years of UK AML/financial crime experience
- FCA MLRO approval or prior SM&CR approved person status
- CAMS or ICA MLRO Diploma required
- Deep understanding of UK Money Laundering Regulations 2017 (amended)
- SAR filing expertise (NCA SARs Online system)
- Experience with UK sanctions regime (OFSI)
- Payments/fintech/banking background
- Prior MLRO or Deputy MLRO role
- Understanding of BIN sponsorship AML requirements
- Experience with FCA skilled person reviews (S166)
Get help with your application
Your very own career expert that helps elevate your application to the next level.
Salary Range
£90,000.00 - £125,000.00
Equal Opportunity Employer
Cross River is an Equal Opportunity Employer. Cross River does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.
Application Consent
By submitting your application, you give Cross River permission to email, call, or text you using the contact details provided. We will only contact you with job related information.
“It took my CV and asked me questions relevant to understanding what kind of jobs to suggest for me. Suggestions were almost perfect. Jobs were exactly what I’ve been looking for.”
Jessica, London
Location