MLRO- GRC & Risk

MLRO — GRC Risk, UK London About the team SumUp'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 SumUp'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 SumUp grows and operates in the UK. 🎥 Take a look at our London office. What you'll do Own and lead SumUp's UK AML/CTF programme, ensuring it meets FCA expectations and 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 You'll be great for this role if… 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 SMF17 designation Why you should join SumUp 🌎 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 SumUp's future success 🏖 Generous time off: enjoy 28 days of paid leave, plus bank holidays and special leaves 📚 A dedicated annual LD budget for attending conferences and/or advancing your career through further education 🏥 Health matters: private health insurance, including optical and dental 🚗 Life made easier: salary-sacrifice commuter benefits via Gogeta 💼 Financial security: retirement scheme (SumUp matches 7% when you contribute 5%) 🛡 Peace of mind: life insurance from MetLife 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 SumUp team About SumUp Be empowered to do more that matters. At SumUp, we're on a mission to empower small businesses across the globe by providing simple and affordable tools that allow them to thrive. Today, over 4 million businesses in 37 markets rely on SumUp as their financial partner to manage payments, finance and customer relationships. Our commitment to small businesses is reflected in our diverse team of over 3,000 SumUppers from over 90 nationalities, united by global collaboration and an innovative mindset. Our core values lay the foundation for who ... (truncated, view full listing at source)