Head of Compliance and MLRO — Partnerships & Agents

<div class="content-intro"><p>Ebury helps ambitious businesses unlock global growth, and we take the same approach with our people. We encourage innovation and movement, collaboration and problem-solving, and foster an environment where everyone can feel they belong, are valued, supported and empowered to succeed.</p>
<p>If you’re a collaborator who wants to help transform how businesses operate globally, get in touch - we’d love to discuss how Ebury can accelerate your career so you can shape the future.</p></div><p><span style="text-decoration: underline; font-family: helvetica, arial, sans-serif;"><strong>Head of Compliance and MLRO — Partnerships &amp; Agents</strong></span></p>
<p><span style="font-family: helvetica, arial, sans-serif;"><strong>Ebury Madrid Office - Hybrid: 4 days in the office, 1 day working from home per week</strong></span></p>
<p><strong><span style="font-family: helvetica, arial, sans-serif;">About the role:</span></strong></p>
<p><span style="font-family: helvetica, arial, sans-serif;">Ebury distributes its FX, payments, and risk-management products through ~230 Program Managers. The Program Manager channel is a major growth engine and a concentrated point of compliance, financial-crime, and operational risk: Ebury retains full licensing and KYC liability, while PMs front the client relationship and execution support.</span></p>
<p><span style="font-family: helvetica, arial, sans-serif;">This role is the single accountable owner of compliance and financial-crime risk arising from this channel. You will not own client-level KYC decisions or SAR filing — those remain with local onboarding teams and local MLROs — but you act as the central first-line escalation and recommendation point where PM-channel issues surface. You own the PMs themselves: who we onboard, how we monitor them, what we train them on, what registrations they need, and — critically — the program-wide data lens that identifies which PMs are systematically adding risk to Ebury's book. You design the framework that local teams execute against, and you adjudicate the PM-as-entity onboarding decisions personally as MLRO for KYD.</span></p>
<p><span style="font-family: helvetica, arial, sans-serif;"><strong>Key responsibilities:</strong></span></p>
<p><span style="font-family: helvetica, arial, sans-serif;"><strong>MLRO for PM onboarding &amp; KYD</strong> Final decision-maker on PM approval, rejection, or conditional approval. Own the KYD framework — UBO verification, fit &amp; proper of PM senior management, financial soundness, adverse media, regulatory history, sanctions, conflict-of-interest. Adjudicate all escalations from the PM onboarding workflow. Own the periodic re-KYD cycle and trigger-based refreshes.</span></p>
<p><span style="font-family: helvetica, arial, sans-serif;"><strong>PM registrations &amp; local licensing</strong> Maintain the jurisdictional map of registration and notification requirements for each PM. Own application preparation, submission, tracking, and renewal. Act as first point of contact for local regulator queries on a PM's status as a distributor.</span></p>
<p><span style="font-family: helvetica, arial, sans-serif;"><strong>Framework design</strong> Own the policy stack: KYD policy, PM tiering model, annual review template, UAR escalation playbook, financial promotions standard, kill-switch and orphan-client protocols. Evolve the framework in response to industry change and lessons learned.</span></p>
<p><span style="font-family: helvetica, arial, sans-serif;"><strong>Program-wide data lens</strong> Own the PM-level dashboard aggregating compliance events tagged to each PM and benchmarked against tier peers — SARs filed, waivers, exceptions, reconciliation breaks, complaints, KYC overrides, sanctions hits, marketing breaches, training compliance. Identify systemic outliers and trigger formal reviews, restrictions, retraining, or termination based on portfolio evidence.</span></p>
<p><span style="font-family: helvetica, arial, sans-serif;"><strong>First-line escalation and recommendation</strong> Serve as the central escalation point for compliance and financial-crime issues surfaced through the PM channel. Investigate, form a view, and route recommendations to the relevant local MLRO, who retains decision rights and local filing obligations. Maintain a written record of escalations, recommendations made, and outcomes, and feed patterns back into the PM-level dashboard and framework.</span></p>
<p><span style="font-family: helvetica, arial, sans-serif;"><strong>Monitoring program</strong> Design and run tiered ongoing monitoring (high-tier quarterly, medium semi-annual, low annual). Own the annual PM review cycle: fit &amp; proper refresh, financial position, controls adequacy, written record. Report outcomes to the Partnership Oversight Committee and ExCo.</span></p>
<p><span style="font-family: helvetica, arial, sans-serif;"><strong>Training program</strong> Design and maintain the mandatory PM training curriculum — AML, sanctions, market abuse, financial promotions, Ebury product and process. Own certification standards, completion tracking, and the suspension protocol for lapsed PMs.</span></p>
<p><span style="font-family: helvetica, arial, sans-serif;"><strong>PM lifecycle</strong> Own onboarding sign-off, mid-term reviews, exit and kill-switch playbook, and orphan-client handover protocols on PM termination.</span></p>
<p><span style="font-family: helvetica, arial, sans-serif;"><strong>Governance &amp; stakeholder engagement</strong> Chair the Partnership Oversight Committee. Act as primary point of contact for the PM program in supervisory dialogue. Report to Board and ExCo on partner risk.</span></p>
<p><span style="font-family: helvetica, arial, sans-serif;"><strong>Required experience:</strong></span></p>
<ul>
<li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">5+ years in financial-services compliance, with at least 5 years in a senior role at an EMI, payment institution, investment firm, or bank with a comparable outsourced-distribution, agent, or program-manager model.</span></li>
<li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Demonstrable experience as a named MLRO or deputy MLRO, ideally with onboarding decision-making authority.</span></li>
<li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Direct experience overseeing an introducer, agent, or program-manager network at scale — including annual reviews, fit &amp; proper assessments, and supervisory engagement.</span></li>
<li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Experience designing and submitting registration or notification filings across multiple jurisdictions (UK and/or EU).</span></li>
<li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Track record using data and MI to drive risk-based oversight at scale — not just reviewing individual case files.</span></li>
<li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Strong working knowledge of financial-crime frameworks, outsourcing standards, and conduct expectations across the firm's operating jurisdictions.</span></li>
</ul>
<p><span style="font-family: helvetica, arial, sans-serif;"><strong>Required competencies:</strong></span></p>
<ul>
<li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Senior judgement under pressure — comfortable making MLRO decisions that constrain commercial growth when evidence requires it.</span></li>
<li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Strong framework-thinker who can scope cleanly: knows what they own, what local teams own, and what stays unowned.</span></li>
<li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Numerate and data-fluent — can interrogate a dashboard, spot the outlier, and ask the right second question.</span></li>
<li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Influence without authority — local MLROs and partnership leaders don't report to this role but must align with the framework.</span></li>
<li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Credible voice in senior stakeholder and supervisory dialogue.</span></li>
</ul>
<p><span style="font-family: helvetica, arial, sans-serif;"><strong>Why Ebury?</strong></span></p>
<ul>
<li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;"><strong>Competitive Starting Salary</strong> with an <strong>annual discretionary bonus</strong><strong> </strong>that truly rewards your performance from day one.</span></li>
<li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;"><strong>Dedicated Mentorship: </strong>Learn directly from experienced managers who are invested in your success.</span></li>
<li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;"><strong>Cutting-Edge Technology: </strong>Leverage state-of-the-art tailor made tools and systems that enable you to perform at your best.</span></li>
<li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;"><strong>Clear, Accelerated Career Progression: </strong>Defined pathways to leadership and specialist roles within Ebury.</span></li>
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