Chief AML Officer (Web3 Payment)

As Chief AML Officer at RedotPay, you will architect the company's UK regulatory strategy and operational integrity. You lead the development, implementation, and oversight of RedotPay's AML/CFT compliance program, ensuring full alignment with UK law, including the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (MLRs), the Electronic Money Regulations 2011 (EMRs), and all relevant FCA rules and guidance for both Electronic Money Institution (EMI) and Virtual Asset Service Provider (VASP) activities.

What you'll do

• Lead or support FCA applications for EMI authorisation and VASP registration under the MLRs, and manage their ongoing regulatory maintenance, variations, and notifications.
• Act as the formally appointed Money Laundering Reporting Officer (MLRO) and SMF17 representative with the Financial Conduct Authority (FCA).
• Serve as the primary point of contact for the FCA, ensuring the company and key individuals meet all "fit and proper" standards.
• Monitor and analyse updates from the FCA, HM Treasury, and other relevant UK bodies regarding cryptoassets, payments, electronic money, and AML/CFT obligations.
• Develop, implement, and maintain a robust Anti-Money Laundering (AML) and Counter-Financing of Terrorism (CFT) program tailored to UK EMI and VASP activities.
• Oversee KYC, Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and ongoing monitoring for a diverse UK and international client base.
• Implement and oversee transaction monitoring systems, utilising on-chain analytics tools such as Chainalysis and Elliptic to identify and mitigate crypto-specific risks, including compliance with the UK Travel Rule.
• Administer global and UK sanctions screening (including OFAC, UN, EU, and UK lists) and Politically Exposed Persons (PEP) and adverse media checks.
• Create and maintain the AML/CFT Manual, KYC Policy, Sanctions Policy, and other key documents to reflect current UK regulatory requirements under the MLRs and EMRs.
• Ensure compliance controls are embedded into product workflows, systems, and processes for both e-money and cryptoasset services.
• Conduct regular business-wide risk assessments (BWRA) and internal audits to evaluate the effectiveness of the compliance program.
• Prepare detailed compliance reports for the Board and senior management, highlighting key risk indicators (KRIs), suspicious activity, and regulatory matters.
• Manage the investigation and filing of Suspicious Activity Reports (SARs) to the National Crime Agency (NCA), maintain records, and ensure timely responses to regulatory requests.

What you bring

• A Bachelor's degree in Law, Finance, Economics, Compliance, Risk Management, Business, or a related field.
• 4-7 years of direct compliance or MLRO experience within a UK-authorised Electronic Money Institution (EMI), Payment Institution (PI), or regulated cryptoasset/VASP firm.
• Expert knowledge of the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (MLRs), Electronic Money Regulations 2011 (EMRs), FCA Financial Crime Guide, cryptoasset AML/CFT guidance, and the UK Travel Rule.
• Hands-on experience with automated KYC/CDD platforms, sanctions screening systems, transaction monitoring tools, and blockchain analytics solutions.
• UK-based location (or willing to relocate) with the ability to dedicate sufficient time to the role and maintain full independence from revenue-generating or business development activities.
• Fluency in English, both written and spoken.

About RedotPay

RedotPay is a global crypto payment fintech that integrates blockchain solutions into traditional banking and finance infrastructure. The platform empowers users to spend and send crypto assets, providing faster, more accessible and inclusive financial services. RedotPay is dedicated to advancing financial inclusion for the unbanked and supporting crypto enthusiasts globally.