What is our mission?

Orbital is on an exciting mission to revolutionise global cross-border payments by innovatively combining traditional fiat banking rails with stablecoins over blockchain rails for a variety of use cases. Our class leading B2B payments platform offers multi-currency e-money accounts (corporate IBANs) combined with a suite of digital assets services. Our company sits at the frontier of payments & fintech, by intersecting blockchain and traditional (fiat) financial services, and is leading the way to bridging those two worlds for corporate enterprises globally.

We believe blockchain technology is firmly here to stay, and we want to be the first to bring a combined offering of fiat & crypto payment services under one exciting platform. Learn more about our team and company story here.

What is the purpose of this role in the delivery of our mission?

The Deputy MLRO (Gib) will play a vital role in effectively and proactively handling the company’s Financial Crime Compliance (FCC) matters, developing our business relationships internally and externally across all verticals, as well as enhancing our FCC strategy and wider compliance risk management frameworks.

What are the key responsibilities / activities of the role?

• Deputise for the MLRO (Gib) for the company’s Gibraltar entity (EMI and DLT)

• Support with all FCC related matters across the group, including representing the MLRO (Gib) and/or the Compliance function in various stakeholder meetings/calls

• Review and approve client’s CDD/EDD reports prepared by the Onboarding and Transactions teams

• Prepare reports on various matters for review and sign-off by the MLRO when needed

• Review and advise on high-risk transaction monitoring alerts (both fiat and cryptoassets related) that are generated by various monitoring systems/tools and/or escalated to FCC as such

• Assess and escalate suspicious activity-related alerts, conduct enhanced due diligence (EDD) where required, before escalation to the MLRO for a decision, and submit SARs as delegated by the MLRO

• Monitor in-house and 3rd party provided FCC systems/tools, and leverage open-source intelligence to identify and assess risks associated with clients and their transactions

• Utilise and develop your knowledge of FCC-related red flags, emerging typologies, evolving industry trends, and best practices, and share such knowledge with the wider Compliance team

• Review complex clients’ profiles and transactions alerts, which may require subject matter expertise and granular-level risk analysis

• Oversee and collaborate with the Onboarding and Operations teams, providing FCC subject matter expertise and support, including research on risk indicators, CDD/EDD techniques, evaluation of high-risk products and services, ID&V systems, and other AML operational matters

• Assist the MLRO and the Compliance team with the drafting and updating of internal policies, procedures and guidelines

What is the scope of accountability for the role?

• Review and approve clients’ CDD/EDD applications at the onboarding stage and assess their periodic review outcomes

• Review high-risk client profiles, transactions, and payment flows and make risk-based recommendations/decisions

• Work closely with the Onboarding, Operations and Client Services teams to ensure regulatory compliance and effective risk mitigation

• Take on more accountability before eventually stepping into the MLRO position for Gibraltar

What are the essential skills, qualifications and experience required for the role?

• You have experience in an FCC / Compliance function as a Senior Manager, Deputy MLRO, or MLRO

• You have professional work experience in Financial Services, Payments/Emoney, and Cryptoasset sectors – e.g. Fintechs, Digital Banking, Crypto Exchange/Custodian

• You are qualified with the Association of Certified Anti-Money Laundering Specialist (ACAMS), Certified Fraud Examiner (CFE), and/or have relevant legal qualification

• You have experience working with FCC-related technologies and transaction monitoring systems, such as World-Check, TruNarrative, Chainalysis, Elliptic, Sumsub, or ComplyAdvantage

• You have a deep understanding of financial crime risk indicators, fraud typologies, and transaction laundering techniques

• You have strong working knowledge of UK, EU (EEA), and global anti-financial crime regulations, including AML/CTF laws, industry guidelines, and enforcement actions

• You have an excellent understanding of financial crime risks, control frameworks, and best practices for financial crime risk management

• You have strong written and verbal communication skills, including the ability to draft and present reports, policy updates, and regulatory submissions to regulators, MLROs, and senior leadership

• You are detail-oriented and analytical, with the ability to maintain a broad risk perspective while continually challenging existing processes

• You are a well-organised, proactive self-starter, able to prioritise effectively and adapt to a fast-paced regulatory environment

• You thrive in collaboration and enjoy continuous professional development and regulatory learning

• You are detail-oriented and balanced, with the ability to see a broader perspective and continually challenge

• You are a well-organised, self-starter, able to prioritise quickly within an agile learning environment

• You can meet critical deadlines in calm and efficient ways, even within tight timeframes

• You thrive on collaboration and enjoy continuous development

What are the desirable skills, qualifications and experience that would be beneficial for the role?

• Experience working in a fast paced, dynamic environment

• The ability to multitask and prioritise effectively

• Proactive with the ability to take initiative

• Ability to work outside of the comfort zone

• Hunger to learn and potential to step into the MLRO position

• Chainalysis Reactor Certification or similar equivalent qualification