Compliance & Money Laundering Reporting Officer (MLRO) - London based

Legal & Compliance · Paris office · Hybrid Compliance & Money Laundering Reporting Officer (MLRO) - London based

Money sitting idle is money lost. We're fixing that.

Founded in 2023 by Antoine and Paul-Adrien, Spiko gives SMEs, non-profits, financial advisers and fintechs access to institutional-grade cash management, via app or API. We are building the full infrastructure: issuing, operating, and distributing the products ourselves.

Two years after launch, we serve thousands ****of organizations across Europe and process hundreds of millions of euros in flows every month.

Our ambition: become the world's leading treasury management infrastructure in a market worth trillions.

We are backed by Index Ventures, the CEO of Revolut, the founder of Kyriba, and the CTO of Wise.

Spiko runs on excellence, transparency, and straight talk.

The role: Compliance & Money Laundering Reporting Officer (MLRO)

Spiko is seeking a Compliance & Money Laundering Reporting Officer to build and scale the compliance program of our newly created UK entity. You will build the UK compliance function from the ground up, and establish the UK compliance policies, procedures, and systems that will enable strong growth as well as effective compliance and risk management.

You will serve as the MLRO and primary point of contact with UK regulators, including on potential license applications and regulatory filings.

Key Responsibilities

• Lead Spiko’s licensing initiatives in the UK, including an investment firm application with the FCA, and serve as the primary point of contact with the FCA
  Contribute to building Spiko’s compliance infrastructure, including comprehensive compliance policies, procedures, and systems for Spiko’s UK-regulated entity

• Serve as the Money Laundering Reporting Officer (MLRO) and AML/CFT Compliance Officer for our UK-regulated entity; own Spiko UK’s AML/CFT programs

• Report on compliance matters to the board of the UK entity

• Ensure the timely submission of all mandatory regulatory reporting and reports

• Provide independent oversight of the UK compliance framework, ensuring that program requirements are robust and effectively implemented

• Provide compliance advice on market expansion, new product development, and operational changes

• Manage compliance requirements from counterparties (banks, asset managers, PSPs, digital asset partners), and serve as the primary compliance point of contact for partner-related compliance inquiries and audit

• Stay current on UK and FCA regulatory developments, assess impact on Spiko’s operations and develop and implement expanded compliance policies and procedures as needed

Who we’re looking for

Requirements (must-haves):

• 5+ years of compliance experience in financial services, fintech, or payments

• Strong understanding of UK financial regulations, including the MiFID Org Reg and all associated MiFID legislation, the Money Laundering Regulations, and the FCA Handbook

• Hands-on proven experience building and executing compliance programs, policies, and controls in a FCA-regulated company, including administration of AML/KYC processes, transaction monitoring, and suspicious activity reporting

• Proven experience serving as MLRO or in a senior AML compliance role at an FCA-regulated entity

• Prior experience securing UK licenses (specifically investment firm licenses, but EMI/payment institution licenses are also relevant) and working directly with the FCA

• Attention to detail and excellent communication skills

• Commitment to team work and ability to work in a fast-paced start-up environment

Nice to have:

• Experience in financial services compliance

• Prior work at a start-up or high growth fintech company

• Law degree or professional compliance certifications (ICA, ACAMS, CAMS)

What we offer

• 💰Compensation: a competitive salary depending on experience + Stock Options

• 📍 Office: in central London

• 🏡 Remote work: up to 2 days per week and one full remote week per month

• 💻 The best tech for your job: latest-generation laptops and industry-leading software

• 💳 Monthly Budget to cover different perks of choice

• 👥 Referral Bonus

• 🎊 Social life: regular afterworks and biannual offsites

Our hiring process

1. Screening Interview - 30 mins with Nathalie, Talent Acquisition

2. Hiring Manager interview - 30 mins with Victor, Head of Legal & Compliance

3. Business Case: To work on at home and present online

4. Final Interviews with the Founders

5. Reference Check: we'll reach out to your references to gather further insights

6. Offer 🎉

At Spiko, we hire for what you can bring - your skills, your judgment, your drive - not for what you look like, where you come from, or what your background is. We're committed to building a team that reflects the breadth of the customers we serve, and to creating an environment where everyone can do their best work. If something in this job description doesn't match your background perfectly but you believe you'd thrive in the role, we encourage you to apply anyway. Tell us why.

Département Legal & Compliance Remote status Hybrid Contact Nathalie Tourbay Senior Talent Acquisition Manager – HR & TA Colleagues Victor Charpiat Head of Legal & Compliance About Spiko Founded in 2023 Coworkers 25 Legal & Compliance · Paris office · Hybrid Compliance & Money Laundering Reporting Officer (MLRO) - London based