About The Role:

The Deputy MLRO / 2nd Line Advisory role is a senior compliance position within Paysend’s UK regulated entity. The role operates within the Second Line of Defence and supports the UK MLRO (SMF17) in maintaining and enhancing the financial crime framework.

The role provides independent oversight, challenge, and advisory across AML, CTF, sanctions, and financial crime risk, ensuring alignment with FCA expectations and UK regulatory requirements.

What You'll Do (Responsibilities):

Financial Crime Oversight:

• Support the MLRO in maintaining the AML/CTF and sanctions framework

• Provide second-line oversight of KYC, transaction monitoring, and sanctions screening

• Review and challenge first-line controls and risk decisions

• Support SAR decision-making and escalation processes

Advisory & Business Partnering:

• Provide regulatory and financial crime advisory to business units

• Support new product launches and geographic expansion risk assessments

• Ensure compliance requirements are embedded into product design

Regulatory & Governance:

• Support engagement with the FCA and regulatory reporting

• Prepare Board and committee reporting on financial crime risks

• Support compliance monitoring and assurance activities

Risk Framework & Controls:

• Maintain and enhance the Financial Crime Risk Assessment

• Oversee third-party and outsourcing risk from a financial crime perspective

• Ensure policies and procedures remain up to date with regulatory developments

Training & Culture:

• Deliver financial crime training across the business

• Promote a strong compliance culture and risk awareness
  
  

What You’ll Need To Be Successful In This Role:

• Extensive experience in AML/CTF and sanctions within UK FCA-regulated firms

• Experience in payments, fintech, or electronic money institutions

• Strong second-line advisory and oversight capability

• Experience engaging with regulators (FCA)

• Strong stakeholder management and communication skills
  

Why Join Paysend?

• Make a Global Impact: Directly impact millions of users worldwide

• Accelerate Your Career: Benefit from internal mobility, mentoring programs, and continuous learning opportunities

• Thrive in a Connected, Global Organization: Collaborate with colleagues across our international hubs and more

• Embrace a Principle-Driven & Focused Culture: Work in an organization guided by strong principles and values that actually help you achieve more than you thought possible

• Enjoy Competitive Compensation and Benefits: Receive a competitive salary, benefits, and flexible work arrangements