Head of Financial Crime / MLRO (FCA)

capital.com; London; Hybrid; GBP 70,000 - 120,000; Full time

Job summary

A leading trading platform is hiring a Money Laundering Reporting Officer (MLRO) for their UK crypto business. This strategic role involves overseeing AML/CTF programs, managing a Financial Crime team, and ensuring compliance with the UK's MLR2017 regulations. The successful candidate will work closely with senior stakeholders and contribute to protecting the integrity of financial transactions in a dynamic environment.

Benefits

Competitive salary reflecting your skills

Flexible, hybrid work options

Annual performance bonus

Generous paid time off

Health and pension benefits

Remote work opportunities worldwide

Paid volunteer days

Qualifications

• 5+ years experience as MLRO or Deputy MLRO at a UK crypto asset firm.
• Deep knowledge of UK MLR2017 and FATF standards.
• Experience with crypto AML tools required.

Responsibilities

• Lead AML/CTF and financial crime programs across all crypto services.
• Act as the registered MLRO under MLR2017.
• Oversee transaction monitoring and suspicious activity reporting.

Skills

AML/CTF knowledge

Risk assessment

Transaction monitoring

Compliance collaboration

Financial crime training

Education

ICA Diploma in Financial Crime or AML

Tools

Chainalysis

Crystal

Elliptic

Job description

We are a leading trading platform that is expanding globally. Our top-rated products have won industry awards for their technology and client experience. We seek talented individuals to join our growing team.

Responsibilities

• Capital.com is hiring a Money Laundering Reporting Officer (MLRO) & Head of Financial Crime for our UK crypto business. This role is crucial under the UK’s MLR2017 crypto registration framework. You will lead the AML/CTF and financial crime programs across all crypto services.

• Serve as the primary contact for the FCA regarding financial crime, overseeing AML/CTF controls, risk assessments, transaction monitoring, and suspicious activity reporting.

• This strategic yet hands-on role involves building and managing a scalable Financial Crime team, collaborating with senior stakeholders across Compliance, Legal, Product, and Tech.

Regulatory and MLRO accountabilities

• Act as the registered MLRO under MLR2017.
• Own the firm’s AML/CTF framework, including policies, risk assessments, onboarding, monitoring, and escalation procedures.
• Maintain and update the BWRA and CRA, tailored to crypto risks.
• Oversee SAR reviews and submissions to the NCA, and manage internal governance reporting.
• Act as the FCA liaison for AML/CTF queries and reviews.
• Ensure CDD reliance on Capital.com meets MLR2017 requirements.

Financial Crime oversight

• Lead the Financial Crime team, managing risks related to AML/CTF, sanctions, PEPs, fraud, and market abuse.
• Define and enforce crypto transaction monitoring rules using tools like Chainalysis or Crystal.
• Review high-risk clients and crypto transaction patterns.
• Manage escalation procedures and governance updates.
• Integrate financial crime risk management into product design and onboarding processes.
• Conduct financial crime training across the firm.

Requirements

• 5+ years as MLRO or Deputy MLRO in a UK cryptoasset firm, PSP, EMI, or investment firm with crypto exposure.
• Deep knowledge of UK MLR2017, FATF standards, JMLSG guidance, and FCA crypto registration.
• Experience with crypto AML tools like Chainalysis, Elliptic, Crystal.
• Proven SAR management and FCA/NCA engagement experience.
• Ability to draft and maintain BWRA, CRA, and AML/CTF policies for crypto activities.

Nice to have

• ICA Diploma in Financial Crime or AML, CAMS, CFCS or similar certification.
• Experience with API-based onboarding and CDD models.
• Familiarity with custodial wallet infrastructure, Fireblocks, and transaction flow design.
• Previous FCA approval for SMF17 (MLRO).
• Experience with cross-jurisdictional crypto compliance (MiCA, VARA) is a bonus.

What you will get in return

• Competitive salary reflecting your skills and talents.
• Work-life balance with flexible, hybrid work options.
• Annual performance bonus.
• Generous paid time off.
• Employee referral program.
• Health and pension benefits.
• Remote work opportunities worldwide.
• Paid volunteer days to support causes you care about.

Join us at the forefront of digital assets, advancing your career in a dynamic, rewarding environment with a talented team.