Deputy MLRO
Digital nomads. Work from anywhereCompany: Evotym
About The Client
Our client is a growing electronic money institution, providing multi-currency accounts, payment processing, card acquiring, and mass payout services for online businesses. Operating across sectors such as e-commerce, iGaming, affiliate marketing, and Forex, they offer services to high-risk verticals and are active participants in SEPA, SEPA Instant, and SWIFT networks.
Role Overview
Take on a challenging position as the Deputy MLRO / Head of Risk, where you will have the opportunity to drive the compliance and risk agenda within a fully remote setting. You will manage the entire merchant risk lifecycle, ensuring adherence to regulatory requirements and optimizing risk strategies to support the company’s growth.
Key Responsibilities
* Manage the full merchant risk lifecycle: onboarding due diligence, ongoing monitoring, EDD reviews, escalations, and remediation.
* Prepare responses to EDD and compliance requests from IPS (Visa, Mastercard), including handling VIRP, BRAM, TLD, and merchant monitoring cases.
* Analyze complex merchant cases, including MCC accuracy, transaction laundering, website and traffic analysis, and business model validation.
* Draft defensible argumentation and remediation plans for IPS, sponsor banks, and commercial partners.
* Act as deputy to the MLRO on Financial Crime and AML matters: SAR reviews, escalations, sanctions, and PEP handling, transaction monitoring oversight.
* Support merchant onboarding and underwriting functions to ensure a balanced, risk-based approach.
Requirements
* Strong hands-on background in Acquiring Risk, AML, Financial Crime, and Compliance.
* Solid knowledge of the UK regulatory framework (FCA regime) and Visa/Mastercard scheme rules.
* Proven track record handling IPS EDD and compliance requests.
* Deep understanding of MCC classification, transaction laundering typologies, and high-risk business models.
* Demonstrated ability to independently analyze complex merchant cases and draft remediation plans.
* Languages: English, Russian.
* Experience in fintech.
Key Soft Skills
* Commercially oriented risk-based mindset.
* Ownership and autonomy.
* Strong written communication.
* Analytical rigour.
* Pragmatic and hands-on.
What We Offer
* Competitive salary aligned with experience.
* Collaborative and transparent team culture.
* High-impact role in a scaling fintech company.
* Recognition of personal milestones and achievements.
* Social benefits.