Money Laundering Reporting Officer Job at Plaid (London)

Money Laundering Reporting Officer

Plaid

Location:
United Kingdom , London

Category:
Finance

Contract Type:
Not provided

Salary:

Not provided

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Job Description:

The MLRO will have primary responsibility for the firm’s UK AML/CTF framework and will act as the senior AML subject-matter lead for EU operations. The role includes day-to-day management of the compliance analyst team supporting AML, CDD, transaction monitoring, SARs, and fraud-related reviews, and carries personal regulatory accountability within its remit. The MLRO will report to the Head of Legal & Compliance (Europe), who retains overall senior leadership responsibility for the firm’s financial crime framework. The MLRO is responsible for the effective operation of AML and fraud controls and for escalating material risks and issues as appropriate. Given the firm’s risk profile, the MLRO will also initially act as the firm’s lead internal authority on fraud, recognising fraud as a key predicate offence to money laundering, and will work closely with relevant teams to ensure risks are identified and addressed promptly.

Job Responsibility:

Act as the firm’s MLRO under UK regulations, including accountability under the UK Money Laundering Regulations and FCA expectations
Receive, assess, and determine appropriate action on internal SARs, including submission of external SARs to the NCA
Maintain and enhance the UK AML/CTF framework, including policies, procedures, controls, and risk assessments
Serve as the primary point of contact with the FCA on AML/CTF and financial crime matters, including supervisory engagement, audits, and inspections
Provide AML oversight for Dutch entities, ensuring compliance with EU AML directives and local legislation
Coordinate AML activity across jurisdictions
Drive consistency of AML standards across the UK and EU while allowing for local regulatory nuance
Support engagement with EU competent authorities where required
Set clear expectations for investigation standards, documentation quality, and regulatory defensibility
Ensure sufficient resourcing, escalation pathways, and controls are in place to manage volume spikes and emerging risks
Act as the final escalation point for complex or high-risk cases reviewed by the team
Work allocation, prioritisation, and quality assurance
Performance management and professional development
Coaching analysts on AML, SAR decision-making, and fraud-related escalation
Influence the design and improvement of fraud detection and prevention controls where they overlap with AML risk
Act as the firm’s initial escalation point for fraud, particularly where fraud intersects with AML obligations
Identify emerging fraud typologies
Assess money laundering risk arising from fraud incidents
Ensure appropriate SARs, reporting, and remediation actions are taken
Own and maintain the enterprise-wide AML/CTF risk assessment for the UK and EU
Provide regular, clear reporting to senior management and the Board on AML and fraud risk
Deliver credible challenge to the business when financial crime risk exceeds appetite (even when that’s inconvenient)
Oversee AML and fraud-related training programmes, ensuring they are practical, role-specific, and current

Requirements:

5+ years of proven experience as an MLRO or a highly experienced Deputy MLRO within a regulated financial services environment
Demonstrated experience managing and leading compliance analysts or investigations teams
Strong working knowledge of UK AML/CTF regulations, SAR obligations, and FCA expectations
Practical experience with EU AML frameworks, including cross-border operational challenges
Solid understanding of fraud typologies and fraud as a predicate offence to money laundering
Experience in fintech, payments, banking, or financial infrastructure
Prior engagement with regulators and auditors

Nice to have:

Experience scaling or transforming a compliance function in a growth environment
Relevant professional qualifications (ICA, ACAMS, etc.)

Additional Information:

Job Posted:
February 16, 2026

Employment Type:

Fulltime

Plaid - All Job Offers

Job Link Share:

Money Laundering Reporting Officer

Plaid

Location:
United Kingdom , London

Category:
Finance

Contract Type:
Not provided

Salary:

Job Description:

Job Responsibility:

Requirements:

Nice to have:

Additional Information:

Job Posted:
February 16, 2026

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