MLRO- GRC & Risk England, United Kingdom

London, England, United Kingdom
· Legal & Compliance MLRO — GRC & Risk, UK About the team

Sum Up's Governance, Risk and Compliance team sits at the heart of how we operate responsibly across our global markets. In the UK, we're at a pivotal moment, our financial crime function is growing, and we need the right person to lead it. As our UK MLRO, you'll hold statutory responsibility for Sum Up's AML/CTF programme, serving as the primary point of contact with the FCA and UK law enforcement on all financial crime matters.

This is a role where your expertise genuinely matters; the decisions you make, the frameworks you build, and the relationships you hold with regulators will directly shape how Sum Up grows and operates in the UK.

Own and lead Sum Up's UK AML/CTF programme, ensuring it meets FCA expectations and hold overall responsibility for the effective detection, prevention, and reporting of financial crime across our UK operations.

Act as the primary point of contact with the FCA and UK law enforcement agencies on all financial‑crime related matters and hold overall responsibility for the effective detection, prevention, and reporting of financial crime across our UK operations.

Review and make decisions on Suspicious Activity Reports (SARs), including complex escalations requiring careful judgement.

Oversee transaction monitoring, CDD/EDD processes, and second‑line assurance of outsourced or technology‑enabled controls.

Support preparation for FCA supervisory engagements, audits, and thematic reviews.

Prior experience as an MLRO or Deputy MLRO within the UK financial services sector, ideally in fintech, payments, or e‑money.

Deep knowledge of UK AML/CTF regulations, JMLSG guidance, and law enforcement reporting frameworks.

Strong judgement when reviewing high‑risk cases, transaction monitoring alerts, and complex CDD/EDD decisions and the ability to translate complex financial crime risks into practical measures that support business growth while ensuring compliance with AML/CTF regulations.

Ability to balance commercial priorities with regulatory obligations, and communicate confidently with the FCA and senior leadership.

Eligible for, or already approved for, FCA SMF
17 designation.

• Opportunity to work with a truly global, multicultural team from our central Covent Garden location, wrapped in historic charm and modern flair. This involves an office‑first setup.
• Commitment to Diversity and Inclusion: be part of a workplace that values and promotes diversity, fostering an inclusive environment where everyone's perspectives are respected and embraced.
• Enrolment onto our Virtual Stock Option programme: you will own a stake in Sum Up's future success.
• Generous time off: enjoy 28 days of paid leave, plus bank holidays and special leaves.
• A dedicated annual L&D budget for attending conferences and/or advancing your career through further education.
• Salary‑sacrifice commuter benefits via Gogeta.
• Financial security: retirement scheme (Sum Up matches 7% when you contribute 5%).
• Peace of mind: life insurance from Met Life for 2× your salary.
• Break4me: 1‑month sabbatical after 3 years of service.
• Referral bonus: earn additional rewards by referring talented individuals to join the Sum Up team.