AML & Regulatory Compliance Lead

DU

1. Financial Crime Compliance (AML/CFT, Sanctions & Fraud)

• Oversee the effective operation of CDD, EDD, transaction monitoring, sanctions screening, and suspicious activity reporting processes.
• Review, assess, and escalate complex or high-risk financial crime matters to the MLRO, including the preparation of internal and external reports, as appropriate.

2. Regulatory Compliance Oversight & Advisory

• Hold responsibility for day-to-day regulatory compliance across duPay, providing pragmatic and timely advice to the business on applicable regulatory requirements.
• Advise on conduct risk, consumer protection, complaints handling, outsourcing, payments regulation, and other relevant regulatory obligations.
• Support the CCRO in overseeing the regulatory change management by identifying, assessing, and implementing changes arising from new or amended laws, regulations, and regulatory guidance. Track regulatory change management until completion.
• Support regulatory interactions by preparing materials, coordinating responses, and attending meetings as required, under the direction of the CCRO and MLRO.

3. Policies, Frameworks & Governance

• Support the development, review, and maintenance of compliance and financial crime policies, procedures, and frameworks, ensuring alignment with regulatory requirements, Group standards, and duPay s risk appetite.
• Support governance forums and committees by preparing papers, management information, risk assessments, and regulatory updates for senior management and the Board.
• Assist in the preparation and coordination of regulatory submissions, attestations, and responses to regulatory enquiries.

4. Monitoring, Assurance & Risk Management

• Support the design and oversee risk-based compliance monitoring and testing programmes covering both financial crime and broader regulatory obligations.
• Identify control gaps and weaknesses, oversee remediation plans, and track the timely resolution of audit, risk, and regulatory findings.
• Contribute to enterprise-wide risk assessments, including compliance risk assessments, AML/financial crime risk assessments, and periodic thematic reviews.
• Support reviews and internal assurance activities ensuring compliance audit findings are appropriately documented and escalated.

5. Leadership, Culture & Training

• Provide leadership, oversight, and mentoring to compliance team members, supporting professional development and succession planning.
• Promote a strong culture of compliance and ethical conduct across duPay through effective communication, training, and constructive challenge.
• Support the design and delivery of compliance and AML training programmes tailored to different roles and seniority levels.

6. Business Enablement & Integration

• Partner with product, technology, operations, and commercial teams to embed compliance requirements into new products, services, and partnerships from inception.
• Apply a proportionate, risk-based approach that supports innovation while meeting regulatory expectations.
• Monitor regulatory, fintech, and industry developments to ensure duPay s compliance framework remains current and forward-looking.