Deputy MLRO – Head of Risk (Remote)

About the role

Take on a challenging position as the Deputy MLRO / Head of Risk, driving the compliance and risk agenda within a fully remote setting. You will manage the entire merchant risk lifecycle, ensuring regulatory adherence and supporting 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), 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.

Required profile

• 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 analyse complex merchant cases and draft remediation plans.
• Fluent in English and Russian; experience in fintech.

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.