Deputy MLRO (Fintech)

Location: London, United Kingdom; fully remote

Company

Payment services business providing multi-currency accounts, payment processing, card acquiring, and mass payouts for online businesses across fintech, e-commerce, iGaming, affiliate marketing, and Forex.

What you will do

• Manage the full merchant risk lifecycle, including onboarding due diligence, ongoing monitoring, enhanced due diligence, escalations, and remediation.
• Prepare responses to Visa and Mastercard compliance requests, including VIRP, BRAM, TLD, and merchant monitoring cases.
• Analyze complex merchant cases involving MCC accuracy, transaction laundering, website and traffic analysis, and business model validation.
• Draft defensible arguments and remediation plans for payment schemes, sponsor banks, and commercial partners.
• Act as deputy to the MLRO on financial crime and AML matters, including SAR reviews, sanctions, PEP handling, and transaction monitoring oversight.
• Support merchant onboarding and underwriting with a balanced, risk-based approach.

Requirements

• Hands-on experience in acquiring risk, AML, financial crime, and compliance.
• Knowledge of the UK regulatory framework, including the FCA regime, and Visa and Mastercard scheme rules.
• Experience handling payment scheme enhanced due diligence and compliance requests.
• Strong understanding of MCC classification, transaction laundering typologies, and high-risk business models.
• Ability to independently analyze complex merchant cases and develop remediation plans.
• English and Russian language skills are required.

Culture & Benefits

• Fully remote work.
• Competitive salary aligned with experience.
• Collaborative and transparent team culture.
• High-impact role in a scaling fintech environment.
• Social benefits and recognition of personal milestones and achievements.