MLRO- GRC & Risk

MLRO — GRC & Risk, UK

London

About the team

SumUp's Governance, Risk and Compliance team sits at the heart of how we operate responsibly across our global markets. In the UK, we're at a pivotal moment, our financial crime function is growing, and we need the right person to lead it. As our UK MLRO, you'll hold statutory responsibility for SumUp's AML/CTF programme, serving as the primary point of contact with the FCA and UK law enforcement on all financial crime matters. This is a role where your expertise genuinely matters; the decisions you make, the frameworks you build, and the relationships you hold with regulators will directly shape how SumUp grows and operates in the UK.

🎥 Take a look at our London office.

What you'll do

Own and lead SumUp's UK AML/CTF programme, ensuring it meets FCA expectations and and hold overall responsibility for the effective detection, prevention, and reporting of financial crime across our UK operations

Act as the primary point of contact with the FCA and UK law enforcement agencies on all financial-crime related matters and hold overall responsibility for the effective detection, prevention, and reporting of financial crime across our UK operations

Review and make decisions on Suspicious Activity Reports (SARs), including complex escalations requiring careful judgement

Oversee transaction monitoring, CDD/EDD processes, and second-line assurance of outsourced or technology-enabled controls

Support preparation for FCA supervisory engagements, audits, and thematic reviews

You'll be great for this role if…

Prior experience as an MLRO or Deputy MLRO within the UK financial services sector, ideally in fintech, payments, or e-money

Deep knowledge of UK AML/CTF regulations, JMLSG guidance, and law enforcement reporting frameworks

Strong judgement when reviewing high-risk cases, transaction monitoring alerts, and complex CDD/EDD decisions and the ability to translate complex financial crime risks into practical measures tha