Deputy AML Compliance Officer (DMLRO)

Please note that this is based at our Milton Keynes office on a full time basis.

Passionate about fighting financial crime and ready to make a real impact? We’re hiring an experienced and motivated Deputy MLRO to support the MLRO in strengthening our AML/financial crime framework, ensuring regulatory compliance, and promoting a strong culture of integrity. You’ll take a hands-on role in AML operations—reviewing and reporting suspicious activity, delivering training, and partnering across the business and with external stakeholders.

If you’re ready to take the next step in your compliance career and help shape a robust financial crime program, join us and make a real impact.

Why Viva.com:

Viva.com is Europe’s first acquirer powering merchant payments acceptance across 24 countries and over 1,215 devices. In the UK, Viva.com operates as an E-Money Institution authorised by the Financial Conduct Authority (FCA), offering an omnichannel payments platform that empowers businesses of all sizes to accept and manage payments — in-store, online, or on the go.

Viva.com leads in Tap on Any Device technology, offers a high-conversion Smart Checkout for online payments, and provides a robust marketplace solution, enabling flexible, scalable, and future-proof payment journeys tailored to every business model. All technology is built in-house on Microsoft Azure, ensuring speed, security, and innovation at scale.

Through its direct connections to local payment schemes and alternative payment methods, Viva.com supports 40+ payment options. Key features include Real-Time Settlement, Offline Payments, acceptance fees as low as 0% with the use of Viva.com’s business debit card, and Merchant Advance.

With a growing ecosystem of 450+ tech partner-innovators, Viva.com is leading the shift to All-in-One business solutions, empowering merchants to adopt cutting-edge technology seamlessly and scale their business with ease.

About the role:

The Deputy AML Compliance Officer (DMLRO) supports the MLRO in managing the UK anti-financial crime framework, ensuring effective compliance with AML/CFT regulations and policies. The role provides day-to-day oversight of anti-money laundering processes, monitoring, and reporting, while deputising for the MLRO as required. The Deputy MLRO works closely with business functions, regulators, and partners to safeguard the business against financial crime risk and contributes to embedding a strong compliance culture throughout the organisation.

Key Responsibilities:

• Support the MLRO in maintaining and enhancing the anti-financial crime framework, systems and controls in line with UK legislation and FCA requirements;
• Deputise for the MLRO during periods of absence;
• Monitor adherence to KYC requirements and transactional behaviour across the UK merchant portfolio;
• Conduct reviews and prepare reports for internal stakeholders and external authorities, including FCA and NCA;
• Liaise with issuing/acquiring banks, fintech partners, and PSPs on AML/CTF issues;
• Assist with responding to requests from law enforcement authorities and regulatory bodies;
• Assist with financial crime investigations and regulatory horizon scanning;
• Provides training and guidance to staff on AML/CTF obligations, supporting the promotion of a compliance culture;
• Supervise and support other business functions to ensure compliance with FCA regulations and Group standards;
• Contribute to continuous improvement of systems, processes, and reporting across AML/CTF operations;
• Actively identify, explore, and adopt opportunities to use AI tools and automation within the role, ensuring they are applied responsibly, ethically, and in line with company policy and local employment regulations;
• Any other reasonable duties in line with the overall purpose of the role.

Requirements

Experience & Qualifications:

• Minimum 3 years’ experience in AML/CTF or financial crime compliance, preferably within payments or merchant acquiring;
• Strong working knowledge of UK AML/CTF regulations, sanctions, bribery and corruption, and JMLSG guidance;
• Hands-on experience with AML monitoring systems, databases, and case management tools;
• Proven ability to assess financial crime risks and maintain effective systems, controls, policies and procedures;
• Background in Law, Finance, or Economics desirable;
• Professional certifications (e.g. ACAMS, ICA) considered an advantage;
• Excellent written and verbal communication skills in English; additional European languages a plus.

Personal Attributes:

• Integrity and confidentiality in all aspects of work;
• Proactive and dependable, with a strong sense of accountability;
• Detail-oriented with excellent judgement and problem-solving skills;
• Collaborative and supportive, with the ability to work across teams;
• Adaptable and resilient, effective in a fast-paced fintech environment;
• Willingness to take ownership and act decisively when deputising for the MLRO.

Benefits

• Competitive salary;
• Private medical health insurance;
• Pension;
• 25 days holiday;
• Office gym (Milton Keynes office only);
• We work in an open, transparent working environment that actively promotes ingenuity and team work;
• You will be fully trained and continuously supported;
• Working in an international fin-tech company with a large cultural diversity;
• A fast paced and high energy environment;
• Work with the latest in payments acquiring technology;
• Opportunity to grow progressively in your domain;