AML Officer / MLRO

Arbitrum; Remote; GBP 80,000 - GBP 100,000; Full time

Job summary

A leading financial technology company seeks an AML Officer to act as UK MLRO. In this pivotal role, you will drive compliance with AML regulations, manage high-risk customer assessments, and engage with regulators. The ideal candidate has extensive experience in financial crime compliance within fintech or regulated services, alongside strong communication skills and a pragmatic mindset. This position offers competitive compensation, performance bonuses, and flexible working arrangements.

Benefits

Highly competitive compensation

Performance-based bonuses

Stock options program

Unlimited, flexible PTO

Company laptop allowance

Flexible working hours

Company-paid off-sites

Local benefits

Qualifications

• 5 to 8+ years of experience in relevant fields.
• Prior MLRO or Deputy MLRO experience in the UK.
• Strong knowledge of regulatory frameworks.
• Hands-on experience with transaction monitoring.
• Familiarity with crypto compliance.

Responsibilities

• Act as UK MLRO and oversee compliance.
• Design and implement AML policies.
• Review escalated customer cases.
• Engage with regulatory bodies.
• Deliver AML training across the business.

Skills

Experience in AML and financial crime compliance

Knowledge of UK Money Laundering Regulations

Hands-on experience with SARs and KYC

Communication skills

Confidence engaging with regulators

Education

Professional certifications such as CAMS or ICA

Tools

Chainalysis

Elliptic

Job description

AML Officer / MLRO (UK)

Remote within the United Kingdom.

About Crossmint

Crossmint is the leading enterprise-grade, all-in-one stablecoin infrastructure enabling fintechs and enterprises to integrate stablecoin rails and smart wallets with speed, compliance, and scale. Crossmint provides embedded smart wallets, on/offramps, cross-chain stablecoin orchestration, token checkout, and other blockchain primitives through simple, developer-friendly APIs, no blockchain engineers required. Backed by Ribbit Capital, Franklin Templeton, and other top investors. The future of finance is crypto-native. Crossmint makes it easy to get there.

What You’ll Do

• Act as UK MLRO: Serve as the nominated MLRO for the UK entity. Maintain responsibility for SAR decision-making and submissions to the NCA. Act as the main point of contact for the FCA and other UK authorities.
• Own the UK AML Framework: Design, implement, and continuously improve UK AML and CTF policies, procedures, and controls. Ensure compliance with UK MLRs, POCA, TACT, and FCA guidance applicable to cryptoasset businesses.
• Hands-On Oversight: Review and decide on escalated high-risk customers and transactions. Oversee Enhanced Due Diligence for complex or high-risk clients. Provide final sign-off on sensitive onboarding and exit decisions.
• Regulatory Engagement and Reporting: Manage regulatory filings, inspections, audits, and information requests. Prepare and deliver management information, risk assessments, and AML reporting to senior management and the board.
• Cross-Functional Collaboration: Work closely with Legal, Risk, Finance, Security, and Product teams. Advise product and engineering teams on AML implications of new features, markets, and partnerships.
• AML Culture and Training: Deliver AML training across the UK business. Promote a strong compliance culture that supports growth while managing risk.

What We’re Looking For

• 5 to 8+ years of experience in AML and financial crime compliance within fintech, payments, crypto, or regulated financial services.
• Prior experience acting as MLRO or Deputy MLRO in the UK, or clear readiness to assume full MLRO accountability.
• Strong working knowledge of: UK Money Laundering Regulations; Proceeds of Crime Act and Terrorism Act; FCA expectations for cryptoasset and payments firms.
• Hands-on experience with SARs, KYC and KYB, EDD, sanctions screening, transaction monitoring, and risk assessments.
• Familiarity with crypto and blockchain compliance, including on-chain risk and exposure.
• Experience working with or implementing tools such as Chainalysis, Elliptic, Persona, Notabene, or similar.
• Understanding of broader regulatory frameworks such as MiCA, FATF Recommendations, GDPR, and operational resilience requirements.
• Professional certifications such as CAMS or ICA qualifications are a strong plus.
• Excellent judgment, communication skills, and confidence engaging with regulators and senior stakeholders.
• A pragmatic mindset. Comfortable setting strategy, but equally comfortable making difficult decisions and reviewing cases directly.

Why Join Crossmint?

• True Ownership: Act as the UK MLRO with real authority and influence over decisions.
• High Impact: Shape the AML function of a rapidly scaling crypto-native fintech.
• Regulatory Exposure: Engage directly with UK regulators in a space that is actively evolving.
• Cross-Functional Role: Work closely with Product, Engineering, Legal, and Risk teams.
• Career Growth: Opportunity to expand scope as Crossmint grows across the UK and Europe.

Benefits

• Highly competitive compensation
• Performance-based bonuses
• Stock options program
• Unlimited, flexible PTO
• Company laptop and home office allowance
• Flexible working hours
• Company-paid off-sites and team events
• Local, flexible benefits

Crossmint is an equal opportunity employer. We are committed to diversity and inclusion in all aspects of employment. Please note that Crossmint never conducts AI-based interviews, and our processes include an initial video call with a team member. If you receive any request for personal identification documents or payment during the interview process, or an email claiming to be from Crossmint that ends with a domain other than @crossmint.com, @crossmint.io, or @paella.dev, please be vigilant.