Deputy MLRO

PPRO

At PPRO, our mission is to simplify access to local payment methods and our vision is to enable the sale of goods and services to anyone in the world using their preferred way to pay. We empower partners such as Ant Group, PayPal and Stripe to access new markets, connect with more customers, and accelerate their growth. Our strength lies in our diverse global team with 50+ nationalities and 10+ international locations- all united around one goal – to deliver the best possible products and services to our partners and customers. While our company mission is to keep innovating global commerce, our internal mission is to #chooseaction, #beopen, #thinkcustomer, #gofurther and #wintogether The Purpose:

360T

YOUR ROLE As Senior Anti-Financial Crime Manager & Deputy MLRO you are responsible for the effective operation, coordination and continuous enhancement of 360T's Anti‑Financial Crime framework. You act as a senior subject‑matter expert across AML/CTF, sanctions, fraud prevention, and related financial crime risks, supporting the MLRO and senior Compliance management in safeguarding 360T’s regulatory integrity. In this role, you combine strategic oversight with hands‑on operational involvement. You serve as a senior escalation point for complex AFC matters, advise business and management on financial crime risks, and contribute to governance, risk assessment and control effectiveness across the organization. YOUR RESPONSIBILITIES * Supporting the MLRO and Compliance leadership in the implementation and ongoing operation of the firm’s AFC framework * Managing and overseeing AFC activities across AML/CTF, sanctions compliance, fraud prevention and related controls * Acting as senior escalation point for complex or high‑risk AFC cases, including AML investigations, sanctions hits and fraud scenarios * Reviewing and approving AFC assessments, case analyses and recommendations prepared by operational teams * Coordinating AFC risk assessments, including business‑wide, product‑, customer‑ and geography‑based risk analyses * Advising business units and senior management on AFC‑related risks, onboarding decisions and mitigation measures * Supporting regulatory interactions, audits and inspections, including preparation of documentation, walkthroughs and responses * Contributing to AFC policies, procedures and control frameworks, ensuring consistency, proportionality and regulatory alignment * Monitoring regulatory developments and contributing to the assessment of their impact on the AFC framework * Supporting training and awareness initiatives, including the development of AFC‑related training content * Driving continuous improvement initiatives, including process optimization, quality assurance and control enhancements * Mentoring and guiding junior AFC colleagues and acting as a role model for professional standards YOUR PROFILE * Ideally, State Examination or equivalent degree in Law, or a comparable academic background (e.g. Business Law, Economics, Finance, Compliance) * Ideally, 5+ years of relevant professional experience in AML/AFC, preferably within a regulated financial institution * Strong practical knowledge of AFC topics, including AML/CTF, sanctions regimes, fraud risks and escalation processes * Proven analytical, investigative and conceptual skills, with high standards for documentation and decision‑making * Strong advisory and communication skills, including interaction with senior stakeholders and control functions * Structured, risk‑based and solution‑oriented working style * High level of integrity, independence and professional judgment * Ability to operate autonomously while contributing effectively to cross‑functional teams * Experience in coordinating teams, projects or workstreams is an advantage OUR OFFER * Regular Performance Appraisals: Continuous feedback to help you grow and excel * Learning and Development: Access to growth opportunities, including our internal "360T Academy" * Prime Location: A modern Frankfurt office in the heart of the city * Diverse Culture: Work in a multinational, multicultural environment that values collaboration and inclusion * Team Bonding: Enjoy social gatherings and a supportive team atmosphere We offer an outstanding opportunity for a highly motivated individual to participate in the growth of a successful technology company in the financial sector. The position is based in Frankfurt am Main and is available immediately. HOW TO APPLY If your background and qualifications meet these specifications, please forward your application, including your salary expectation and earliest starting date, by clicking the “Apply” button. CONTACT Irune Del Buey People & Culture Manager Send email Grüneburgweg 16-18 60322 Frankfurt am Main

Raisin

Raisin is the world’s leading platform for savings and investment products. Founded in 2012, the FinTech connects consumers with banks in the EU, the UK and the US. This gives consumers better interest rates and banks a diversified form of refinancing. Our vision is to offer savings and investments without barriers and thus open up the global 160 trillion euro market. Raisin currently employs more than 800 people from over 75 countries worldwide. Today, the platform holds over 80 billion euros in assets from more than one million investors which have accrued over 5 billion euros in returns. Team You’ll be joining a small, supportive team of two, reporting directly to the Head of Compliance UK. Because we are a close-knit team with direct exposure to leadership, this role is an ideal opportunity for an experienced financial crime professional looking to take their first step up into a Deputy MLRO position. In this role, you will provide independent oversight, challenge, and advisory across AML, CTF, sanctions, and other financial crime risks, ensuring full alignment with FCA expectations and UK regulatory requirements. Your Responsibilities * Formally deputise for the SMF17 (MLRO), assisting in the second-line oversight of Raisin UK’s financial crime prevention strategy and regulatory compliance. * Support the MLRO in developing, maintaining, and regularly reviewing the firm’s AML/CTF policies, procedures, and risk assessments to align with evolving regulatory standards. * Act as a subject matter expert for internal teams, providing clear compliance guidance on onboarding, product developments, and external queries. * Define, perform, and maintain robust second-line controls and monitoring processes - including testing the effectiveness of financial crime systems and settings, identifying gaps, and driving framework improvements based on the results. * Oversee the investigation of internal unusual activity reports, ensuring prompt resolution, and manage the drafting and submission of Suspicious Activity Reports (SARs). * Conduct AML/CFT horizon scanning and reporting to relevant stakeholders including senior management. * Provide oversight and subject matter expertise in responding to financial crime related queries from partners or our service bank, ensuring responses align with regulatory expectations and internal policies. * Represent the Compliance function in internal governance forums e.g. Risk Committee. * Assist with regulatory reporting processes. * Provide support on regulatory compliance topics. Your Profile * You have a proven track record in financial crime compliance within UK financial services (FinTech, retail banking, or payments preferred). * You are likely a Senior Financial Crime Manager looking for your first formal step up. In particular, you will have: Deep, practical understanding of the UK financial crime landscape, including the FCA Handbook, UK Money Laundering Regulations (MLRs), JMLSG guidance, and POCA. * Hands-on experience overseeing controls testing, managing financial crime escalations, and leading the drafting and submission of SARs. * You have a collaborative approach to compliance. You can translate complex regulatory requirements into practical business guidance. * You have the career aspirations to widen your regulatory compliance knowledge outside of the bounds of financial crime and are interested in working on these topics and projects. * You act entrepreneurially and take full ownership of your work. You are comfortable working autonomously and are enthusiastic for the responsibility of formally deputising for the MLRO. * A recognised industry qualification (e.g., ICA Diploma in AML/Financial Crime or ACAMS) is highly desirable. Join our mission, join our team – and grow with us! At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, which connects more than 75 different nationalities. As part of our team, you will benefit from: * Employee Development Budget of £1,700 and 4 full training days per year. * Always hungry? Breakfast, snacks, daily fresh fruit and drinks are at your disposal around the clock. * We are hybrid working, we are in the office twice a week, giving the team the opportunity to collaborate and spend time together. Wednesday is our core day in the office. * We offer 28 days + Bank Holidays of holiday a year. * One day birthday leave to celebrate your birthday. * We offer you a company stakeholder pension with a minimum employer contribution of 5%. * The opportunity to experience our annual retreats in exciting European cities and other team building events. Raisin Applicant Privacy Policy We value diversity and the unique experiences each individual brings. If you’re excited about this role but don’t meet every requirement, we still encourage you to apply. We are an equal opportunity employer and are committed to creating an inclusive environment for everyone, regardless of race, colour, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, or gender identity.