Company Description
Centtrip is an award-winning fintech provider specialising in smart treasury, foreign exchange, and payment solutions. Founded in 2013, Centtrip processes over £1 billion per year in transactions, offering multi-currency accounts, cards, and apps that enhance payments and FX services. With a diverse customer base, including music acts, film crews, superyachts, and private jets, we provide real-time, anytime visibility and control over deposits and payments, both international and domestic. Our team includes highly skilled professionals from banking, payments, wealth management, foreign exchange, technology, media, and more.
Role Description
The Money Laundering Reporting Officer (MLRO) is responsible for overseeing the company’s Anti-Money Laundering (AML) framework, ensuring the company adheres to legal standards and in-house policies. This includes identifying, investigating, and reporting suspicious activities, and acting as the primary liaison with regulatory authorities and staying updated on regulatory changes affecting the organisation. The role requires close collaboration with various departments and the senior leadership team to ensure comprehensive compliance and risk management. This role can be part-time or full-time and hybrid location.
Key Responsibilities
* AML Compliance Oversight
* Develop, implement, and maintain AML policies and procedures
* Monitor and assess the effectiveness of AML controls and systems
* Ensure compliance with local and international AML regulations
* Suspicious Activity Reporting
* Receive and investigate internal Suspicious Activity Reports (SARs)
* File SARs with the appropriate Financial Intelligence Unit (FIU)
* Maintain detailed records of investigations and reports
* Risk Assessment & Monitoring
* Conduct AML risk assessments across business units
* Oversee transaction monitoring systems and alerts
* Identify and escalate high-risk clients or transactions
* Training & Awareness
* Design and deliver AML training programs for staff
* Promote a culture of compliance throughout the organisation
* Regulatory Liaison
* Serve as the main point of contact for AML regulators and auditors
* Prepare and submit regulatory reports and respond to inquiries
* Internal Collaboration
* Work closely with legal, compliance, and operational teams
* Advise senior management on AML risks and mitigation strategies
Qualifications
* Bachelor’s degree in Law, Finance, Business, or related field
* Minimum 5 years of experience in AML, compliance, or financial crime
* Strong understanding of Regulatory Compliance and relevant laws
* Excellent analytical, investigative, and decision-making skills
* High integrity and ability to handle sensitive information
* Effective communication skills and ability to work with cross-functional teams
* Professional qualifications in compliance, law, finance with certification such as CAMS (Certified Anti-Money Laundering Specialist) a plus
* Experience of working in a Fintech environment providing payment and card services
* Ability to work independently and handle confidential information with discretion