Job Title: UK Deputy MLRO
Location: London / Travel required / Hybrid
Term: Permanent
Reports to: UK MLRO
About us
B4B Payments is a multi-award-winning, global financial services technology company offering an advanced transaction payments platform and APIs for emerging payments and financial services. Our flexible technology and comprehensive services include embedded finances, payment accounts, FX, rapid payouts, physical and virtual card issuing, and BIN sponsorship.
With over 19 years of expertise in payments, B4B Payments is headquartered in the UK. In Europe, B4B Payments is regulated as an e-money institution (EMI) authorised by the Financial Conduct Authority (FCA) and the Bank of Lithuania and is a Mastercard® Principal Member.
B4B Payments’ US division (B4B Payments USA, Inc. ) is based in Boston, MA, and specialises in enabling companies to reduce costs and increase efficiency in managing corporate expenditure and global payouts.
B4B Payments Europe and US divisions offer full and partial program management and support, in addition to comprehensive technical, regulatory, and service support to fintechs looking to launch or grow domestically and internationally.
B4B Payments is a Banking Circle Group company. A next-generation financial technology platform for global commerce, Banking Circle Group comprises a rich set of complementary e-commerce solutions. From international cross-border payments, accounts and liquidity management, and embedded finance to business payments & card issuing, B2B Buy Now Pay Later, and account-to-account payment methods, the ecosystem is delivering modern financial solutions to
some of the largest and most successful companies around the world, as they accelerate the digitalisation of their customer and supply-chain.
Position Overview:
B4B UK is looking for a DMLRO to join its growing Compliance team. This role will be working alongside the MLRO in a small second-line compliance. In this role, you will be responsible for assisting in the effective mitigation of financial crime risks through the maintenance of adequate systems and controls.
As the Deputy MLRO, you will provide strategic support to the MLRO and be the technical authority for Financial Crime within the Second Line of Defence. Your mission is to provide robust, independent oversight of the 1LoD operational functions, acting as the ultimate point of escalation for complex risks. You will ensure that B4B Payments remains fully compliant with the UK regulatory landscape
Key Responsibilities
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Act as the primary delegate for the MLRO in all internal and external forums.
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Translate evolving UK regulations into actionable AML/CTF and Sanctions policies and procedures.
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Ensure that the business operates within defined risk parameters while supporting sustainable commercial growth.
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Serve as the final escalation point for high-risk onboarding (EDD), PEPs, and complex corporate structures (UBO identification).
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Support the MLRO in overseeing the internal SAR filing process and ensure that external disclosures to the NCA/relevant FIUs are timely and of high quality.
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Act as a key point of contact for Law Enforcement (Production Orders), Regulators (FCA/Central Banks), and our ecosystem of Partner Banks.
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Assess the robustness of automated screening and monitoring rules, ensuring they are calibrated to B4B’s specific UK risk appetite.
Requirements
- You are an expert in AML/CTF compliance and may be currently working or have worked within the area of financial crime compliance, preferably in a fast-paced environment.
- You have demonstrable experience designing and challenging processes, ideally across multiple products.
- You have experience improving current practices and processes and can apply different compliance strategies to develop compliance frameworks.
- You are an effective communicator in both your writing and speaking. You can convey complex ideas effectively to both internal and external audiences.
- You have worked in a regulated business under an EMI or a banking licence
What we offer
- 25 days annual leave
- Annual wellness day off
- 5% Employer pension contribution
- Access to one-to-one confidential counselling sessions through our Employee Assistance Programme
- Access to retail & other discounts
- Vitality health care plan
- Access to ‘’Nous Finance-a smart way to save money’’
- Learning & development support
- Ride-to-work scheme
- Employee assistance programme
- Regular socials and a relaxed working environment
Make a difference:
We are always on the lookout for talented individuals to help take us further – it is important to us to hire the right people for roles that work for both us and the individual.All interview processes will assess the following behaviours:
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Ownership & Accountability: We take responsibility for outcomes, not just tasks.
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Drive, Ambition & Initiatives: We move fast, think big, and don’t wait to be asked.
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Positive Mindset & Resilience: We solve problems with energy, even when the path isn’t clear
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Collaboration & Trust: We work together openly, with each other, with clients and with partners
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Customer & Commercial Focus: Every decision starts with the customer and ends with the values delivered.
NOTE:
We kindly request that you contact us by submitting your CV, indicating your current location, and confirming your eligibility to work in the United Kingdom. We assure you that our team will promptly respond to your inquiry.
Please note that we are not considering inquiries or applications from Agencies. Additionally, we regret to inform you that we are unable to provide visa sponsorships at this time
