Senior Manager MLRO, Compliance

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. We are seeking an experienced and detail-oriented Senior Compliance Manager. As a Senior Compliance Manager, you will be responsible for overseeing compliance with the FCA and managing issues related to Financial Crime and AML within the organisation.

The ideal candidate will possess extensive knowledge of FCA and other servicing regulations, exceptional analytical skills, and a proven track record in developing and implementing effective compliance programs.

What You'Ll Do

Serve as the designated Money Laundering Reporting Officer (SMF17) for the UK entity, subject to final organisational and regulatory approvals. Provide second-line oversight of the UK financial crimes compliance program, including AML, sanctions, suspicious activity governance, and related control frameworks. Oversee suspicious activity escalation, internal referral, and reporting governance for the UK entity, including review and escalation of matters requiring MLRO judgment.

Support the design, maintenance, and continuous improvement of the UK AML and financial crimes framework, ensuring alignment to applicable FCA and UK regulatory expectations. Lead the development of the firm's Financial Crime Compliance Monitoring Programme (CMP) ensuring its suitability is aligned to the risk appetite of the firm, the regulatory landscape and the market within which the UK entity operates. Lead and execute the UK entity's Business wide compliance risk assessment (BWRA) and control inventory, by identifying financial crimes risks, control gaps, regulatory developments, and governance priorities.

including collecting and documenting results, establishing where opportunities exist and work with internal and external partners to deliver. Partner with UK Compliance and global Financial Crimes leaders to maintain a clear and effective UK control environment across onboarding, transaction monitoring, investigations, screening, and related financial crimes processes. Oversee or coordinate UK financial crimes issue management, including identification of issues, remediation tracking, escalation, and closure governance.

Lead preparation of the firm's annual MLRO report for senior management and the Board of Directors, detailing the control effectiveness of anti money laundering systems and controls, including details on Suspicious Activity reports (SAR’s), fraud, training provision, risk exposure and regulatory position. Support internal audit, external audit, regulatory examinations, and bank partner reviews relevant to UK financial crimes compliance, including preparation of materials, coordination of responses, and remediation tracking. Maintain and enhance UK financial crimes policies, procedures, standards, and governance documentation in coordination with broader Compliance and Financial Crimes partners.

Prepare recurring management reporting, governance materials, and escalation summaries for the UK Compliance Director and other senior stakeholders. Partner with Legal on regulatory interpretation and with first-line stakeholders on implementation, while maintaining second-line independence and effective challenge. Support regulator-facing readiness and contribute to interactions with UK regulators and other relevant external stakeholders, as appropriate.

Showcase Compliance as an open for business function, accessible and relatable to the goals and objectives of the firm. Work and collaborate with the Global Financial Crime Compliance Governance Team to build out and execute the Global Financial Crime Framework What we look for Serve as the designated Money Laundering Reporting Officer (SMF17) for the UK entity, subject to final organisational and regulatory approvals.