Head of Financial Crime / MLRO (FCA)

We are a leading trading platform that is ambitiously expanding to the four corners of the globe. Our top-rated products have won prestigious industry awards for their cutting-edge technology and seamless client experience. We deliver only the best, so we are always in search of the best people to join our ever-growing talented team.

Responsibilities

• Capital.com is hiring a Money Laundering Reporting Officer (MLRO) & Head of Financial Crime for our UK crypto business. This is a core function under the UK’s MLR2017 crypto registration framework. You’ll lead the AML/CTF and financial crime programme across all crypto services offered by the firm.1


• You’ll act as the key point of contact for the FCA on all matters relating to financial crime, and be responsible for the end-to-end design and ongoing ownership of our AML/CTF controls, risk assessments, transaction monitoring, and suspicious activity reporting.


• This role is strategic, but very much hands-on: you’ll build and manage a scalable Financial Crime function, working closely with senior stakeholders across Compliance, Legal, Product and Tech.

Regulatory and MLRO accountabilities:

• Act as the registered MLRO under MLR2017 
• Own the firm’s AML/CTF framework, including internal policies, business-wide risk assessments, and procedures for onboarding, monitoring, and escalation.
• Maintain and continuously update the BWRA (Business-Wide Risk Assessment) and CRA (Customer Risk Assessment), tailored to cryptoasset-specific risks.
• Oversee internal SAR reviews and submissions to the NCA, including post-filing engagement and internal governance reporting.
• Serve as the main FCA liaison for AML/CTF queries, thematic reviews, and supervisory meetings.
• Ensure CDD reliance on Capital.com meets MLR2017 requirements, including appropriate reliance agreements and control mapping. 

Financial Crime oversight:

• Build and lead the Financial Crime team, managing general and crypto-specific risks including: AML/CTF, sanctions, PEPs, transactional fraud, on-chain activity, market abuse (where relevant).
• Define and enforce crypto transaction monitoring rules using tools like Chainalysis or Crystal. Approve rule thresholds, tuning, and alert review standards.
• Lead reviews of high-risk clients and crypto transaction patterns, including wallet behaviour, geography, and source of funds.
• Own escalation procedures and internal governance updates related to financial crime matters (e.g., weekly ML alerts report to ExCo, quarterly risk committee updates).
• Integrate financial crime risk management into product design, crypto flow architecture, and API-based onboarding with Capital.com.
• Oversee and conduct financial crime training across the firm - tailored by role and updated regularly.

Requirements

• 5+ years of experience as MLRO or Deputy MLRO in a UK cryptoasset firm, PSP, EMI, or investment firm with crypto exposure.
• Deep knowledge of UK MLR2017, FATF standards, JMLSG guidance, and FCA crypto registration expectations.
• Hands-on experience with crypto AML tooling and monitoring systems (Chainalysis, Elliptic, Crystal).
• Proven track record in SAR management and FCA/NCA engagement.
• Able to draft and maintain BWRA, CRA, and AML/CTF policies tailored to crypto activities.

Nice to have:

• ICA Diploma in Financial Crime or AML, CAMS, CFCS or equivalent certification.
• Experience operating within API-reliant onboarding and CDD models.
• Familiarity with custodial wallet infrastructure, Fireblocks, and transaction flow design.
• Previous approved by the FCA for SMF17 (MLRO)
• Exposure to cross-jurisdictional crypto compliance (MiCA, VARA) is a bonus.

What you will get in return:

• Competitive Salary: We believe great work deserves great pay! Your skills and talents will be rewarded with a salary that makes you feel valued and motivated.
• Work-Life Harmony: Join a company that genuinely cares about you - because your life outside of work matters just as much as your time on the clock. #LI-Hybrid
• Annual Performance Bonus: Your hard work doesn’t go unnoticed! Celebrate your achievements with a well-deserved annual bonus tied to your performance.
• Generous Time Off: Need a breather? Our annual leave policy lets you recharge and enjoy life outside of work without a worry.
• Employee Referral Program: Love working here? Share the love! Bring your talented friends on board and get rewarded for growing our awesome team.
• Comprehensive Health & Pension Benefits: From medical insurance to pension plans, we’ve got your back. Plus, location-specific benefits and perks!
• Workation Wonderland: Live your digital nomad dreams with 30 extra days to work remotely from anywhere in the world (some restrictions apply). Adventure awaits!
• Volunteer Days: Make a difference! Take two additional paid days each year to support causes you care about and give back to the community.

Be a key player at the forefront of the digital assets movement, propelling your career to new heights! Join a dynamic and rapidly expanding company that values and rewards talent, initiative, and creativity. Work alongside one of the most brilliant teams in the industry.