Compliance / Money Laundering Reporting Officer (UK) - PayDo

PayDo is an Electronic Money Institution, providing modern payment solutions to businesses across global markets.
Our platform brings together multicurrency IBANs, merchant solutions, mass payments, acquiring and open banking, helping online businesses manage their payments through one platform.

As PayDo continues to grow, we’re looking for an experienced Compliance / AML Officer to strengthen our UK financial crime compliance framework and help us stay ahead of an increasingly complex regulatory environment.
This is not a box-ticking role. You’ll work on complex AML/CTF investigations, suspicious activity reporting, regulatory requirements, financial crime risk assessments, regulatory change and strategic compliance projects. You’ll have the opportunity to influence senior stakeholders and help shape the controls that support a growing payments business.
If you enjoy combining regulatory expertise, analytical thinking and practical problem-solving, this could be a great next step in your career.

What you’ll do:

• Work on complex AML/CTF investigations, strategic compliance projects and cross-departmental initiatives.
• Lead or oversee investigations into suspicious activity, including internal SARs and external SAR filings.
• Respond to regulatory initiatives by providing leadership and direction on projects required to meet our regulatory obligations.
• Support long-term compliance strategy and enhance the departmental governance framework, ensuring policies and procedures remain fit for purpose.
• Create and implement AML/CTF policies, procedures and operational SOPs, including processes for identifying, assessing, reporting and filing suspicious activity.
• Conduct comprehensive AML/CTF and financial crime risk assessments across the Company.
• Prepare, review and submit regulatory reports, including SARs to the NCA, REP-CRIM, financial crime returns and supplementary reports requested by the FCA or external auditors.
• Prepare Board and MLRO reports, governance papers and management information, providing clear recommendations to strengthen the control framework and improve the performance of the function.
• Act as an internal source of expertise, providing guidance and sound judgement on regulatory obligations, audits, regulatory engagement, compliance risks and business development.
• Support ongoing regulatory compliance and act as a key liaison with the FCA and other relevant UK authorities.
• Coordinate with Compliance and Operations teams to strengthen internal AML controls and support the implementation of risk mitigation and transaction monitoring strategies.
• Support AML training, audits and assessments/testing of system effectiveness.

What we’re looking for:

• 3+ years of AML and Compliance experience within financial services, an EMI, PSP, bank or fintech environment.
• Strong practical understanding of the UK AML/CTF framework and FCA requirements applicable to EMIs.
• Demonstrated expertise in establishing, maintaining and enhancing CDD/EDD processes, transaction monitoring and financial crime risk assessment methodologies.
• Experience in financial crime prevention, including AML/CTF, sanctions, fraud, investigations and transaction monitoring, as well as liaison with law enforcement.
• Experience designing and documenting policies, procedures, operational guidance, presentations and training materials.
• Strong awareness of financial crime risks relevant to digital payments, cross-border transactions, fraud typologies, sanctions exposure, high-risk jurisdictions and fintech delivery channels.
• Ability to manage multiple priorities and deliver high-quality work under tight deadlines.
• Ability to work independently with a high level of responsibility and ownership.
• Excellent written and verbal English communication skills.

You will stand out if you have:

• Previous experience as a Deputy MLRO / MLRO within an EMI, PSP or banking institution.
• Experience with UK regulatory reporting and FCA liaison.
• Professional qualifications such as ACAMS, ICA or equivalent.
• Experience with Visa/Mastercard reporting processes and liaison.
• Experience in the cryptocurrency industry and/or acquiring products.
• A legal education.

Your work will have real impact

You’ll have the opportunity to influence how a growing fintech manages financial crime risk — not simply maintain an existing framework.

Grow with the business

We believe strong performers should have room to grow. As PayDo scales, you’ll have opportunities to take on greater responsibility and progress into Lead, Head and senior leadership roles based on your performance and impact.

Your ideas matter

Have an idea that could make PayDo better? Our PayDo Ideas Hub gives employees the opportunity to propose improvements and receive financial rewards for ideas that create value.

You’ll fit in well if you:

• Take ownership and follow through.
• Act proactively rather than waiting to be told what to do.
• Challenge things that can be improved.
• Make decisions based on evidence, risk and sound judgement.
• Focus on practical solutions.
• Care about the quality and impact of your work.

If you’re looking for your next step in UK fintech compliance, want to work on complex financial crime challenges and want your expertise to genuinely influence the business, we’d love to hear from you.
Join PayDo and help build the next generation of compliant, scalable payments.