AML Officer​/MLRO; UK

AML Officer / MLRO (UK)

Remote within the United Kingdom.

Crossmint is the leading enterprise-grade, all-in-one stablecoin infrastructure enabling fintechs and enterprises to integrate stablecoin rails and smart wallets with speed, compliance, and scale. Trusted by more than 40,000 clients including global leaders such as Money Gram, WireX, Toku, and more. Crossmint provides embedded smart wallets, on/offramps, cross-chain stablecoin orchestration, token checkout, and other blockchain primitives through simple, developer-friendly APIs, no blockchain engineers required.

Backed by Ribbit Capital, Franklin Templeton, and other top investors. The future of finance is crypto-native. Crossmint makes it easy to get there.

Full-time, permanent role.

We are looking for an experienced AML Officer / Money Laundering Reporting Officer (MLRO) to take ownership of Crossmint’s UK AML framework and act as the primary point of accountability with UK regulators.

You will be responsible for ensuring that Crossmint meets its obligations under the UK Money Laundering Regulations, Proceeds of Crime Act, and FCA expectations, while supporting a fast-growing, globally distributed fintech operating at the intersection of crypto, payments, and stable coins.

This is a senior, hands-on role with direct visibility across the business. You will design and maintain the UK AML program, oversee high-risk decisions, file SARs, engage with the FCA and other authorities, and partner closely with Legal, Risk, Product, and Engineering to ensure compliance is embedded into how Crossmint operates.

As Crossmint scales in the UK and Europe, you will also play a key role in aligning UK requirements with broader EU and global AML frameworks.

• Act as UK MLRO:
  Serve as the nominated MLRO for the UK entity
• Maintain responsibility for SAR decision-making and submissions to the NCA
• Act as the main point of contact for the FCA and other UK authorities
• Own the UK AML Framework:
  Design, implement, and continuously improve UK AML and CTF policies, procedures, and controls
• Ensure compliance with UK MLRs, POCA, TACT, and FCA guidance applicable to cryptoasset businesses
• Hands-On Oversight:
  Review and decide on escalated high-risk customers and transactions
• Oversee Enhanced Due Diligence for complex or high-risk clients
• Provide final sign-off on sensitive onboarding and exit decisions
• Regulatory Engagement and Reporting:
  Manage regulatory filings, inspections, audits, and information requests
• Prepare and deliver MI, risk assessments, and AML reporting to senior management and the board
• Cross-Functional Collaboration:
  
  Work closely with Legal, Risk, Finance, Security, and Product teams
• Advise product and engineering teams on AML implications of new features, markets, and partnerships
• AML Culture and Training:
  Deliver AML training across the UK business
• Promote a strong compliance culture that supports growth while managing risk

• 5 to 8+ years of experience in AML and financial crime compliance within fintech, payments, crypto, or regulated financial services.
• Prior experience acting as MLRO or Deputy MLRO in the UK, or clear readiness to assume full MLRO accountability.
• Strong working knowledge of: UK Money Laundering Regulations;
  Proceeds of Crime Act and Terrorism Act; FCA expectations for cryptoasset and payments firms.
• Hands-on experience with SARs, KYC and KYB, EDD, sanctions screening, transaction monitoring, and risk assessments.
• Familiarity with crypto and blockchain compliance, including on-chain risk and exposure.
• Experience working with or implementing tools such as Chainalysis, Elliptic, Persona, Notabene, or similar.
• Understanding of broader regulatory frameworks such as MiCA, FATF Recommendations, GDPR, and operational resilience requirements.
• Professional certifications such as CAMS or ICA qualifications are a strong plus.
• Excellent judgment, communication skills, and confidence engaging with regulators and senior stakeholders.
• A pragmatic mindset focused on strategy as well as the ability to make difficult decisions and review cases directly.

• True Ownership: Act as the…