Pockit is a UK-headquartered financial technology company founded in 2014. We provide vital financial services to consumers in the UK whose needs are often ignored by the traditional banking system. Pockit offers a digital account that provides customers with a range of essential financial services. Through the recently completed acquisition of Monese, the combined business serves approximately 3 million customers, creating the leading fintech for financially underserved consumers across the UK and Europe.


About the role:

We are seeking a Deputy MLRO to join our growing team and assist our MLRO in ensuring compliance with anti-money laundering (AML) and counter-terrorist financing (CTF) regulations. In this role, you will work closely with the MLRO to develop and implement effective policies and procedures to prevent financial crime and maintain the integrity of our services. This is an exciting opportunity for a highly motivated and experienced individual to make a significant impact in a fast-paced and innovative company.

What you’ll be doing:

• Assist the MLRO in conducting regular risk assessments and monitoring of potential money laundering and terrorist financing activities.
• Keep up to date with changes in AML and CTF laws and regulations, and implement necessary changes to the company's policies and procedures.
• Investigate and report any potential suspicious activity or transactions to the appropriate authorities.
• Conduct due diligence and enhanced due diligence on high-risk customers and transactions.
• Develop and deliver AML and CTF training to employees and ensure their understanding and compliance of the company's policies and procedures.
• Ensure that appropriate record-keeping and reporting mechanisms are in place to meet regulatory requirements.
• Support the MLRO in submitting timely and accurate reports to senior management and regulatory bodies on AML and CTF activities.

What we are looking for:

• To have a minimum 5-7 years of experience in working in a FCA compliance role at a Payment Institution or E-Money Institution
• To have held the role of DMLRO, or at least demonstrate deputising for this role.
• To show a successful track record in people management (inc coaching and developing)
• To have knowledge of payments, risks and UK/EU regulations (4/5MLD, JMLSG, FCA Handbook SYSC).
• To have proven experience in the understanding and interpretation of regulation within the payment industry and the implementation of solutions to address regulatory requirements.
• To show in-depth experience of monitoring and the ability to develop compliance monitoring programs and techniques.
• Demonstrate technical and practical expertise of money laundering & terrorist financing regulations.
• To offer excellent interpersonal and communication skills (both written and spoken).
• To be a self-starter, the type of person always looking for ways to improve.
• To be able to work well under pressure and manage a number of different tasks at the same time, often meeting tight deadlines.

What benefits we offer:

• Competitive basic salary
• Holidays – 25 days from start, increasing with every complete year to reach max of 30 (+ Bank Holidays)
• Healthcare Cash Plan
• Perkbox, with gifted Flexi-Points every month
• Life Assurance
• Salary Exchange Pension Scheme
• Company Sick Pay
• Employee Assistance Programme
• Enhanced family policies
• Additional paid time off; Moving Days and Sabbaticals
• Flexible working arrangements - office attendance is required 2-3 days per week (Marylebone, NW1)