Laundering Reporting Officer

Description

Establish overall business or technical strategy for risk management with significant impact on operations.

• Establish overall business or technical strategy for risk management with significant impact on operations.
• Influence executive-level decision-making through strategic risk assessments and recommendations.
• Partner with stakeholders to implement strategies that reduce or transfer identified risks.
• Monitor and analyze risk exposure to ensure alignment with organizational objectives.
• Lead initiatives that contribute to long-term sustainability and resilience in the face of uncertainty.

• 10+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.

This role sits within the Second Line of Defence and reports to the UK Chief Compliance Officer (SMF
16) and works closely with the First Line Financial Crime teams and our global Financial Crime organisation. You will help ensure PPUK maintains an and compliant framework for AML/CTF, Sanctions, Fraud, and Anti-Bribery & Corruption, aligned to FCA expectations and UK regulatory requirements.

• Oversee AML/CTF, Sanctions, Fraud, and ABC systems and controls across PPUK.
• Lead enhancements to financial crime policies, standards, and procedures aligned to regulatory requirements and industry best practice.
• Deliver financial crime insights, risk updates, and reporting for senior management, the Board, and internal governance committees.
• Provide oversight of key operational financial crime activities, including transaction monitoring, investigations, screening, intelligence, and SAR processes.
• Conduct second-line monitoring, thematic reviews, and deep dives to assess control effectiveness and drive remediation.
• Advise on financial crime risks for new products and operational changes and engage closely with Product, Engineering, and Group Financial Crime teams.
• Support regulatory engagement, audits, and supervisory requests from the FCA and other authorities.
• Help foster a strong compliance culture and support the development of financial crime capability across the organisation.
• Significant experience (>10 years) in Financial Crime, AML/CTF, Sanctions, or Fraud within a regulated financial services environment.
• Strong knowledge of UK regulatory requirements (FCA Handbook, SYSC, UK MLRs, JMLSG).
• ACAMs or ICA graduate diploma in AML or Financial Crime Risk.
• Experience working with regulators and leading or supporting regulatory reviews or audits.
• Strong analytical, problem-solving, and communication skills with the ability to influence at senior levels.
• Ability to operate confidently in a fast-paced environment while managing complex risks.
• Excellent communication skills with the ability to articulate complex decisions and concepts to a range of different stakeholders with competing agendas.
• Proven ability to build and maintain effective relationships with global teams, peers, management, internal teams and external agencies at a senior level.
• Self-motivated, able to manage deadlines under pressure.

You are a collaborative, proactive financial crime professional who thrives in dynamic environments. You can navigate complex regulatory matters with clarity, build strong partnerships across multiple teams, and help drive a culture where doing the right thing for customers is at the centre of every decision.

At Pay Pal, we champion innovation, inclusion, and customer well-being. If you are passionate about financial crime prevention and want to make a meaningful impact at scale, we would love to hear from you.

Pay Pal

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At Pay Pal, we’re committed to building an equitable and inclusive global economy. That’s why we offer benefits to help you thrive in every stage of life. We have great benefits including a flexible work environment, employee shares options, health and life insurance and more. To learn more about our benefits please visit .

Pay Pal provides equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, pregnancy, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state, or local law. In addition, Pay Pal will provide reasonable accommodations for qualified individuals with disabilities.

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