MLRO & Head of Financial Crime

About Kixy

Kixy is the world’s first social money platform—reimagining how people manage, share, and experience money together. By blending traditional retail banking with innovative social tools like our “Social Circle,” we’re making finance collaborative, transparent, and human. Backed by leading investors, we’re rapidly scaling our platform and preparing for global expansion. Our mission is to empower communities through financial inclusion and seamless social connectivity.

Role Overview – MLRO & Head of Financial Crime

At Kixy, we’re more than a fintech start-up – we’re a movement. Our social banking app is redefining how people engage with money by making financial services more human, social, and secure. As we enter our next growth phase, we’re seeking an experienced and innovative Money Laundering Reporting Officer (MLRO) & Head of Financial Crime to lead our anti-financial crime strategy and regulatory engagement.

As MLRO & Head of Financial Crime, you will shape and safeguard Kixy’s compliance function—balancing strategic oversight with operational excellence. You’ll be our registered SMF17, the main point of contact with the FCA, and the strategic leader building our AML/CTF framework for scale and resilience.

Key Responsibilities

Regulatory & Strategic Oversight

• Serve as Kixy’s registered MLRO (SMF17) with the FCA.
• Lead engagement with the FCA and relevant regulatory bodies.
• Design, implement, and future-proof AML/CTF frameworks and internal controls.

Operational Excellence

• Manage SARs, internal investigations, and ongoing regulatory reporting.
• Oversee transaction monitoring and customer screening systems, ensuring optimisation.
• Select and implement regtech solutions to improve efficiency and coverage.

Leadership & Culture

• Build and mentor a high-performing financial crime team.
• Foster a company-wide culture of compliance, accountability, and risk-awareness.
• Collaborate cross-functionally with tech, product, operations, and legal teams.

Staying Ahead

• Monitor and adapt to evolving UK and global financial crime regulations.
• Ensure Kixy remains best-in-class in risk management and compliance.

What You Bring

• 5+ years of experience as an MLRO or senior compliance professional in a regulated fintech or e-money firm.
• Deep knowledge of UK AML/CTF laws, JMLSG guidance, and FCA expectations.
• Experience building and managing compliance teams.
• Proven track record of implementing and managing monitoring systems and risk frameworks.
• ICA or equivalent AML qualification.
• Strong communication, leadership, and stakeholder management skills.

Nice to Have

• Experience with FCA authorisation processes (EMI/PI).
• Knowledge of global regulatory regimes beyond the UK.
• Exposure to social or community-based fintech platforms.

Why Join Kixy?

• Competitive salary
• Private health insurance
• Enjoy 28 days of annual leave (excluding bank holidays) + an extra day off for your birthday.
• Flexible hybrid working from our London HQ
• Career growth and professional development opportunities
• A dynamic, mission-driven culture with a flat hierarchy
• The chance to help shape the future of financial services in a pioneering social fintech