Money Laundering Reporting Officer

Hours: Full Time Contract type: Permanent Location: Guernsey Overview Skipton International Limited is seeking an experienced and highly credible Money Laundering Reporting Officer (MLRO) to lead and manage its Financial Crime and AML framework across Guernsey and Jersey. Based in Guernsey, this senior compliance role carries regulatory accountability under both the Guernsey Financial Services Commission (GFSC) and Jersey Financial Services Commission (JFSC) regimes. Reporting directly to the Chief Risk Officer, the MLRO will act as the focal point for all AML/CFT matters, providing independent oversight, strategic direction and assurance to the Executive Committee and Board. This is a key leadership role requiring strong regulatory expertise, sound judgement, and the ability to engage effectively at Board level while driving robust day-to-day compliance operations. Key Accountabilities Compliance & Financial Crime Management Establish, maintain and continuously enhance Compliance and AML policies, procedures, systems and controls in line with GFSC and JFSC Handbooks and Schedule 3 requirements. Perform the statutory MLRO function, acting as the primary escalation point for suspicions of money laundering, terrorist financing or proliferation financing. Receive, investigate and determine internal Suspicious Activity Reports (SARs), submitting external SARs where required and maintaining robust documentation. Provide independent, outcome-focused SAR and Financial Crime updates to the Board and Executive Committee on a monthly basis. Design, implement and maintain the Compliance Monitoring Programme (CMP) to ensure financial crime controls are operating effectively. Own and regularly update the Business Risk Assessment (BRA), presenting timely and robust updates to Executive Committee and Board. Monitor regulatory developments, National Risk Assessments and changes to GFSC/JFSC Handbooks, ensuring timely implementation within Skipton's compliance framework. Act as a key liaison with regulators, internal stakeholders and external service providers on compliance and financial crime matters. Work closely with the COO and First Line Control team to oversee transaction monitoring, alert review and investigation of unusual activity. Ensure timely and effective Customer Due Diligence (CDD/KYC) for new and existing customers in line with regulatory expectations. Identify, log, manage and resolve financial crime-related compliance issues, complaints and regulatory breaches, working closely with the MLCO. Ensure robust Financial Crime training is designed, delivered and maintained in partnership with the Chief People Officer. Escalate material AML risks, breaches or control weaknesses to Executive Management and the Board. People Leadership Lead, coach and develop a high-performing compliance team, ensuring clarity of expectations and ongoing performance management. Build capability through learning and development and maintain a robust succession plan to ensure continuity of oversight. Foster a culture of integrity, accountability and regulatory excellence. Leadership, Risk & Governance Act as a trusted advisor to senior stakeholders, providing clear, practical and proportionate compliance guidance. Ensure Skipton operates within regulatory, Board-approved risk appetite and financial crime risk limits. Provide high-quality management information and KPI reporting to support effective oversight and decision-making. Champion strong customer outcomes while ensuring regulatory compliance. Maintain the highest standards of confidentiality, data integrity and information security. Requirements Essential Qualifications Educated to Diploma level. Membership of a relevant professional body. Experience Minimum 4-5 years' experience in Compliance or with a financial services regulator, including at least 2-3 years in an AML/financial crime-focused role. Previous experience as an MLRO or Compliance Officer within a regulated financial or non-financial services firm. Hands-on experience managing the SAR process and liaising with regulators. Proven people management and leadership experience. Strong understanding of financial services operations, systems and controls. Skills & Knowledge In-depth knowledge of financial services regulation. Ability to interpret and apply complex regulatory requirements. Strong stakeholder engagement and influencing skills, including at Board level. High levels of integrity, discretion and professional judgement. Desirable Experience operating across multiple jurisdictions. Thorough working knowledge of GFSC and JFSC regulatory frameworks. Professional compliance or financial crime qualifications (e.g. CAMS, ICA, CFE). Experience within a regulated financial institution. Board-level presentation and reporting experience. Project management and process improvement experience. Strong analytical, problem-solving and change management capabilities. To Apply please visit - https://skiptoninternationallimited.peoplehr.net/Pages/JobBoard/Opening.aspx?v=8a97e518-8e7a-4129-a881-5a8f0093802c