Deputy MLRO

About The Client
Our client is a growing electronic money institution, providing multi-currency accounts, payment processing, card acquiring, and mass payout services for online businesses. Operating across sectors such as e-commerce, iGaming, affiliate marketing, and Forex, they offer services to high-risk verticals and are active participants in SEPA, SEPA Instant, and SWIFT networks.
Role Overview
Take on a challenging position as the Deputy MLRO, where you will have the opportunity to drive the compliance and risk agenda within a fully remote setting. You will manage the entire merchant risk lifecycle, ensuring adherence to regulatory requirements and optimizing risk strategies to support the company’s growth.
Key Responsibilities
Manage the full merchant risk lifecycle: onboarding due diligence, ongoing monitoring, EDD reviews, escalations, and remediation.
Prepare responses to EDD and compliance requests from IPS (Visa, Mastercard), including handling VIRP, BRAM, TLD, and merchant monitoring cases.
Analyze complex merchant cases, including MCC accuracy, transaction laundering, website and traffic analysis, and business model validation.
Draft defensible argumentation and remediation plans for IPS, sponsor banks, and commercial partners.
Act as deputy to the MLRO on Financial Crime and AML matters: SAR reviews, escalations, sanctions, and PEP handling, transaction monitoring oversight.
Support merchant onboarding and underwriting functions to ensure a balanced, risk-based approach.
Requirements
Strong hands-on background in Acquiring Risk, AML, Financial Crime, and Compliance.
Solid knowledge of the UK regulatory framework (FCA regime) and Visa/Mastercard scheme rules.
Proven track record handling IPS EDD and compliance requests.
Deep understanding of MCC classification, transaction laundering typologies, and high-risk business models.
Demonstrated ability to independently analyze complex merchant cases and draft remediation plans.
Languages: English, Russian.
Experience in fintech.
Key Soft Skills
Commercially oriented risk-based mindset.
Ownership and autonomy.
Strong written communication.
Analytical rigour.
Pragmatic and hands-on.
What We Offer
Competitive salary aligned with experience.
Collaborative and transparent team culture.
High-impact role in a scaling fintech company.
Recognition of personal milestones and achievements.
Social benefits.

Work arrangement
No