Senior Manager MLRO, Compliance

About the role

Affirm is transforming the consumer credit landscape by offering transparent, interest-free payment options. We are hiring a Senior Compliance Manager to lead our UK financial crime strategy and serve as our primary regulatory point of contact.

Key facts

What you'll do

• Act as the Money Laundering Reporting Officer (SMF17) for the UK entity, pending final regulatory and internal approval.
• Provide second-line oversight for UK financial crime programs, covering AML, sanctions, and suspicious activity governance.
• Manage the escalation and reporting of suspicious activity, applying professional judgment on complex cases.
• Design and refine the UK AML framework to ensure it meets FCA standards.
• Develop and execute the Financial Crime Compliance Monitoring Programme (CMP) based on current risk appetite.
• Conduct the Business-wide compliance risk assessment (BWRA) to identify control gaps and governance priorities.
• Collaborate with global and local teams to maintain controls across onboarding, transaction monitoring, and screening.
• Oversee the lifecycle of financial crime issues, from identification through to remediation and closure.
• Author the annual MLRO report for the Board of Directors regarding control effectiveness, SARs, and risk exposure.
• Represent the firm during internal audits, external reviews, and regulatory examinations.
• Maintain policy documentation and provide regular reporting to the UK Compliance Director.
• Partner with Legal to interpret regulations while maintaining independent oversight.
• Contribute to the Global Financial Crime Framework in partnership with the global governance team.

Requirements

• Extensive expertise in FCA regulations and UK financial crime compliance.
• Proven experience in implementing effective compliance programs.
• Exceptional analytical abilities and attention to detail.
• Ability to act as the SMF17 designated officer.

Skills & tools

• AML and financial crime frameworks
• FCA regulatory compliance
• Business-wide risk assessment (BWRA)
• Compliance Monitoring Programme (CMP) development
• Suspicious Activity Report (SAR) governance

Practical notes

• Compensation includes Base Pay Grade N and Equity Grade 6.
• Benefits include 100% subsidized medical, dental, and vision coverage for employees and dependents.
• Includes monthly stipends for technology, health, and wellness.
• Eligible for an Employee Stock Purchase Plan (ESPP) to acquire company shares at a discount.
• Affirm is a remote-first organization.