About this role
Open to contract, full-time or part-time applicants.
The Company
Stream was founded with the mission to provide fair financial tools to the everyday worker. Offered through destination employers like Greene King, Bupa, Burger King, Asda and the NHS, our award-winning platform helps over three million people to earn, learn, save, spend and borrow on their own terms, all in one smartphone app.
Stream is unique: VC backed and growing at scale, but with a social conscience. Some of the world's leading impact funds were our founding investors, and we operate on a social charter, which means every product and service we create must measurably improve financial wellbeing.
You’d be joining a team of over 300 passionate, ambitious people across Europe and the USA, building a category-defining product, and united by that same mission.
The Opportunity
Stream is growing! Here at Stream we put a great emphasis on helping people and doing the right thing.
We are seeking an experienced MLRO to lead the second line of defence (2LOD) monitoring and oversight responsibilities with regards to financial crime. As the MLRO, you’ll have a significant opportunity for impact as Stream continues to scale. From owning the oversight, maintenance, and implementation of AML systems and controls to defining the oversight strategy which protects our customers and helps our products scale. You will work closely with the Compliance team and with First Line teams to bring together a cohesive aligned approach.
You will have expert knowledge on all things financial crime, including the requirements of the Money Laundering Regulations, FCA requirements, Sanctions requirements, and Fraud mitigation and management.
The Team
Reporting to the Director of Compliance you will be the FCA approved MLRO function (SMF17) an integral part of a small collaborative team providing oversight and second Line support to various Stream entities to assist in achieving our ambitious goals.
The Team
Reporting to the Director of Compliance you will be the FCA approved MLRO function (SMF17) an integral part of a small collaborative team providing oversight and second Line support to various Stream entities to assist in achieving our ambitious goals.
What will you be doing?
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Take responsibility for the development and maintenance of a robust company wide anti-financial crime strategy. Ensuring that all Stream entities remain within risk appetite and compliant with the requirements of legal and regulatory requirements.
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Oversee, review and enhance the financial crime framework, policies, and procedures in line with industry best practice and regulatory requirements.
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Complete monitoring reviews and risk assessments of financial crime controls and providing summaries and feedback of any findings to management and the Board, tracking actions, to closure and completing re-assessments where required.
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Development and maintenance of an effective and impactful training programme ensuring staff understanding.
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Completing all external reporting obligations, including regulatory reporting and submissions to the NCA or OFAC as required .
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Compile, review, and enhance periodically, relevant management information identifying and summarising trends and escalating where necessary.
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Keep abreast of regulatory developments and industry best practice and communicate these to the relevant business areas, tracking any required actions to completion
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Review new relationships, initiatives, and products for financial crime impact
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Complete on an annual basis an MLRO report for each relevant entity
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Complete on an annual basis a financial crime business wide risk assessment for each relevant entity
What experience might you have?
Must-haves: (But if you’re close… we'd still love to talk to you!)
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2-3 years experience as an MLRO in a fintech/start-up credit/payment services environment
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5-7 years experience in financial crime related roles
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Professional qualifications such as ICA Diploma, CAMS, or equivalent.
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Inquisitive and truth seeking attitude with an inclination to challenge the status quo on a proportionate basis
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The ability to work autonomously
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Strong communication skills and the ability to tailor and time communications with the audience and collaborate effectively with all levels of the business
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Superb attention to detail and a high degree of accuracy
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Excellent prioritisation and organisational skills to enable quick decision making in a fast paced environment
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A proficient understanding of UK financial services regulation, the MLRs, the JMLSG guidance and the FCA handbook and associated publications
Can-be-learnt
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Professional qualifications in Compliance
Within 1 month you’ll have
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An understanding of the Stream mission, products and services
Within 3 months you’ll have
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Built a network of key contacts within the business
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Reviewed the existing financial crime framework and devised a work plan for enhancements
Within 6 months you’ll have
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Strong and collaborative relationships within the team and with key stakeholders
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A robust understanding of the Stream framework and strategy
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Built a reputation as a go to and trusted partner
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Completed allocated key tasks to a high standard
*Working Policy:*We operate a hybrid policy
*Salary:*£100,000 - 130,000 + equity (for FTE) + Benefits
What We'll Do For You
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25 Days Annual Leave in addition to public holidays (up to 5 days rollover), plus flexible time off for ad-hoc childcare, family, or caring needs
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24 weeks' paid Maternity Leave and 4 weeks' paid Paternity Leave for employees with over 12 months' service
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Special Leave for IVF and other fertility treatments
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Sabbatical scheme
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Paid volunteering leave - give back on us
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Private Healthcare including comprehensive mental and physical health support
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Pension salary sacrifice - plus bonus exchange to pension, saving on Tax and NI with added compound growth
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Electric vehicle salary sacrifice scheme
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Season Ticket Loan
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Access to ThanksBen - THE benefits marketplace. Choose what you want, when you want: Workplace Nurseries, Cycle to Work, Home and Tech Scheme, and more
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And the best benefit of all - access to Stream for your own financial wellbeing
At Stream we celebrate and support our differences. We know employing a team rich in diverse thoughts, experiences, and opinions allows our employees, our product and our community to flourish. Stream is an equal opportunity workplace. We are dedicated to equal employment opportunities regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity/expression, or veteran status.
About compliance & regulatory roles for ex-police
Compliance, AML and regulatory roles. Working to PACE, RIPA and CPIA is a stronger regulatory grounding than most civilian applicants can offer — firms increasingly recognise this.
See all compliance & regulatory jobs in London →Why this fits a police background — match score 90/100
- Financial crime & fraud
- Risk & threat assessment
- Working to legislation & regulation
What compliance & regulatory roles pay ex-police
Advertised UK ranges, editorial estimates reviewed July 2026
| Compliance analyst | £32,000–£42,000 |
| Compliance / AML officer | £40,000–£55,000 |
| Compliance manager | £55,000–£80,000 |
| Senior manager / head of compliance | £80,000–£120,000+ |