MLRO - Senior AFC Manager

Summary

Join Midnite, a next-generation betting platform, as a highly experienced and hands-on MLRO & Senior AFC Manager. Lead all aspects of Anti-Financial Crime, holding regulatory accountability and directly impacting the operating license. Own the AML, CTF, and broader AFC frameworks; serve as a key contact with the UKGC and law enforcement; and drive continuous improvement across controls, reporting, and risk management. This role demands active participation, challenging the status quo, and embedding AFC into every business aspect. You will be responsible for reporting, oversight, regulatory engagement, improving the AML/CTF framework, monitoring suspicious activities, leading investigations, developing risk assessments, collaborating with other teams, ensuring effective processes, preparing reports, supporting audits, and acting as a subject matter expert. The position offers a competitive salary and a comprehensive benefits package.

Requirements

• Minimum 5+ years’ experience in AML/CTF and financial crime within gambling, fintech, or a regulated sector
• Direct experience in an MLRO role or senior AFC leadership position
• Strong knowledge of UK AML regulations, POCA, MLRs, JMLSG Guidance, and UKGC expectations
• Proven track record of dealing with regulators, auditors, and law enforcement
• Analytical thinker with excellent judgement and problem-solving skills
• Confident communicator—capable of engaging across senior stakeholders, frontline teams, and external parties
• Highly organised, able to work independently, and not afraid to challenge poor practice

Responsibilities

• Hold the MLRO PML, including full accountability for reporting, oversight, and regulatory engagement
• Own and continually improve the AML/CTF framework, including risk assessments, policies, procedures, and training
• Monitor and oversee all suspicious activity reporting, including submitting SARs to the NCA
• Lead AFC investigations and ensure appropriate escalation, documentation, and resolution
• Develop and maintain the firm’s Business Risk Assessment (BRA) and Customer Risk Assessment (CRA)
• Work closely with the Head of Regulatory Compliance, Safer Gambling, Payments and Data teams to ensure aligned risk mitigation across functions
• Ensure effective transaction monitoring, PEP/Sanctions screening, and customer due diligence processes are in place and regularly reviewed
• Prepare and present regular AFC reports to the board and regulators
• Support in audits, regulatory inspections, and information requests from the UKGC or other authorities
• Act as a subject matter expert across AFC-related issues, including fraud, bribery, sanctions, and market abuse

Preferred Qualifications

CAMS, ICA Diploma, or equivalent AML qualification preferred

Benefits

• Shape our future: Play a key role in our team's success, where your voice matters, and you'll have a direct impact on shaping Midnite's future
• Connect and unwind: Take part in our quarterly gatherings where our community comes together to bond and have fun
• Comprehensive health coverage: Look after your well-being with our outstanding zero-excess health insurance plan, which includes optical and dental coverage
• Simplify life: Take advantage of our nursery salary sacrifice scheme, allowing you to conveniently pay your child's nursery fees straight from your paycheck
• Work-life balance: Enjoy 25 paid holidays a year, plus generous paid maternity, paternity, and adoption leave, supporting you during life's most important moments
• Productive home office: We provide everything you need for a comfortable and ergonomic home setup, ensuring you're as productive as possible
• Flexible working: We embrace flexible working, allowing you to adjust your schedule when life's unexpected moments arise
• Latest tech made easy: With our salary sacrifice schemes, you can upgrade to the latest gadgets, household items, and mobile tech without the upfront cost
• Exclusive perks: Enjoy a wide range of discounts on retailers, groceries, and subscriptions, making life a little more affordable
• Grow with us: Expand your skills through internal and external learning opportunities while benefiting from access to mentorship programs that support your development
• Transparent compensation: We provide competitive pay with clear team bandings and salary grids, ensuring that salary discussions are simple and fair
• Constructive feedback: We foster a transparent culture, encouraging individual feedback and review sessions to help everyone improve