MLRO

Money Laundering Reporting Officer (MLRO) – Payments & Digital Assets

Location: Gibraltar

Work Model: On-site / Hybrid

Sector: Payments | E-Money | Digital Assets | Fintech

 

The Opportunity

RecruitBlock is partnering with a high-growth fintech and payments platform operating at the intersection of fiat banking and digital assets, to appoint a Money Laundering Reporting Officer (MLRO) in Gibraltar.

This is a senior, regulator-facing role with full ownership of the firm’s Financial Crime Compliance (FCC) framework, covering AML, CTF, sanctions, and transaction monitoring across both e-money and DLT-regulated entities.

You will play a critical role in ensuring the business remains fully compliant, inspection-ready, and scalable, while acting as the primary interface with the Gibraltar Financial Services Commission (GFSC) and law enforcement.

 

Company Overview

Our client is building a next-generation B2B payments platform, combining traditional fiat rails (IBANs, payments, corporate accounts) with stablecoin and blockchain-based infrastructure.

Operating at the convergence of payments, fintech, and digital assets, the business enables corporate clients to move funds seamlessly across borders, bridging the gap between traditional finance and crypto-native systems.

 

Role Overview

As MLRO (Gibraltar), you will take end-to-end ownership of the company’s financial crime compliance framework, acting as the designated AML/CFT/CPF Responsible Person for its regulated entities.

This is a hands-on leadership role, combining:

·   Regulatory engagement and reporting

·   AML framework ownership

·   Transaction monitoring oversight

·   Internal governance and training

You will operate as a key control function, working closely with the Chief Compliance Officer (CCO) and wider leadership team.

 

Key Responsibilities

MLRO & Regulatory Ownership

·   Act as the designated MLRO and AML/CFT/CPF Responsible Person for Gibraltar-based entities (E-money and DLT)

·   Lead all regulatory engagement with the GFSC, including reporting, inspections, and remediation

·   Act as the central contact for law enforcement agencies, including SAR handling under the Proceeds of Crime Act

 

Financial Crime Compliance Framework

·   Own and continuously enhance the firm’s AML/CTF/CPF framework, policies, and procedures

·   Maintain and update the firm-wide FCC risk assessment

·   Ensure alignment with:

Gibraltar AML regulations EU AMLDs UK AML frameworks FATF standards

 

Transaction Monitoring & Risk Oversight

·   Oversee and enhance the transaction monitoring programme, including crypto-related activity

·   Review high-risk alerts and suspicious activity, providing escalation and recommendations

·   Manage and optimise FCC tools (e.g. screening, monitoring, risk scoring systems)

·   Conduct periodic client reviews, assessing structures, fund flows, and risk profiles

 

Client Onboarding & Due Diligence

·   Review and approve CDD / EDD documentation for new and existing clients

·   Provide oversight on onboarding processes across crypto, payments, and regulated clients

·   Ensure a robust, risk-based approach to client acceptance and ongoing monitoring

 

Regulatory Reporting & Audits

·   Prepare and submit:

Suspicious Activity Reports (SARs) Regulatory reports Risk assessments Compliance testing and review outputs

·   Lead internal and external AML audits, ensuring documentation is accurate and inspection-ready

·   Ensure timely completion of all regulatory obligations

 

Governance, Training & Continuous Improvement

·   Conduct independent testing of AML controls, identifying gaps and implementing remediation plans

·   Lead FCC training programmes, raising awareness across the business

·   Support regulatory horizon scanning and advise on emerging risks and requirements

·   Mentor and develop junior compliance staff

 

Who This Role Is For

This role is a strong fit if you:

·   Are an experienced MLRO, Deputy MLRO, or senior compliance professional

·   Have operated within payments, fintech, e-money, or digital asset environments

·   Are comfortable acting as the primary regulatory interface

·   Combine strategic oversight with hands-on execution

·   Thrive in fast-moving, regulated environments where compliance is critical to growth

 

Skills & Experience Required

Essential

·   Extensive experience in financial crime compliance (AML / CTF / CPF)

·   Previous experience as MLRO, Deputy MLRO, or senior FCC professional

·   Strong background in payments, fintech, e-money, or cryptoasset sectors

·   Deep understanding of Gibraltar, UK, EU, and global AML frameworks

·   Experience with transaction monitoring and FCC systems (e.g. Chainalysis, World-Check, ComplyAdvantage, etc.)

·   Strong analytical, investigative, and risk assessment skills

·   Excellent communication skills, including regulatory and board-level reporting

 

Desirable

·   ACAMS, CFE, or relevant legal qualification

·   Experience working within VASP or DLT-regulated environments

·   Familiarity with crypto transaction monitoring tools (e.g. Chainalysis, Elliptic)

·   Experience in high-growth or fast-paced fintech environments

 

Success Metrics

·   Strong, regulator-approved AML / FCC framework

·   Effective and timely regulatory reporting and SAR submissions

·   Robust transaction monitoring with clear escalation and resolution processes

·   High-quality onboarding and ongoing risk management of clients

·   Positive outcomes from regulatory inspections and audits

·   Increased internal awareness and ownership of financial crime risk

 

What’s on Offer

·   Senior, regulator-facing MLRO role in Gibraltar

·   Opportunity to work at the intersection of payments and digital assets

·   High level of ownership and influence over compliance strategy

·   Exposure to both traditional finance and crypto infrastructure

·   Competitive compensation aligned to experience

 

Apply Now

If you are an experienced MLRO or senior financial crime professional looking to take ownership of compliance within a high-growth fintech operating across payments and digital assets, we’d like to hear from you.

Apply confidentially through RecruitBlock.