Clear Junction is a global payments company licensed and regulated by the FCA in the UK. It offers regulated end-to-end payment solutions based on proprietary in-house technology. The company’s infrastructure is designed to meet the growing needs of global financial companies.

Founded in 2016, Clear Junction has seen double-digit growth year over year, with over 130 fintech professionals now based across the UK and mainland Europe. As the fastest-growing, founder-led, privately owned business in the UK, Clear Junction is ranked number one in the FEBE Growth 100 list. We have also recently been named one of the fastest-growing privately held companies in The Sunday Times 100 List.

We are looking for an experienced Head of Commercial Compliance to lead and oversee the first line of defence across Sales, Relationship Management, Marketing, Strategic Partnerships, and other commercial functions. This is a senior leadership role responsible for ensuring compliance with AML, fraud prevention, financial crime regulations, and risk management across all client and customer interactions.

This is a single position that can be based in either Riga, Latvia or London, UK. Please apply to the relevant location.

Key Responsibilities

• Lead commercial compliance operations, ensuring adherence to AML, fraud, and financial crime regulations.
• Oversee key compliance controls, including client risk assessment, sanctions screening, and payments screening.
• Make final decisions on onboarding and service upgrades for Low and Medium Risk clients, escalating High and Very High-Risk clients to the AML Compliance Team.
• Present high-risk cases to the Client Risk Committee and contribute to the handling of compliance-related claims and complaints.
• Conduct reviews of existing clients for potential suspension or de-risking.
• Partner with the Sales, Relationship Management, Strategic Partnerships, and Marketing teams to ensure compliance in onboarding, upselling, partnerships, and communications.
• Work closely with the Legal and AML teams on regulatory matters, contracts, and escalated compliance issues.
• Escalate suspicious activities to the MLRO.
• Lead and manage the Commercial Compliance Division, setting KPIs, mentoring team members, and overseeing recruitment and performance.
• Develop and deliver compliance training to Sales & Marketing teams.
• Ensure confidentiality of compliance procedures, tools, and internal regulations.
• Stay updated on changes in legislation and industry best practices.
• Maintain audit trails, prepare compliance reports, and ensure adherence to internal and external regulations.

Requirements

Key Competencies & Experience Required

• Strong knowledge of AML (Anti-Money Laundering), fraud prevention, financial crime regulations, and sanctions compliance
• Understanding of risk management frameworks and regulatory reporting
• Experience with client onboarding due diligence and ongoing monitoring
• Proven experience in leading, mentoring, and developing compliance teams
• Strong analytical skills to assess risk levels, approve/reject applications, and escalate high-risk cases
• Ability to resolve complex compliance issues and implement risk mitigation strategies
• Ability to align compliance with business goals without compromising regulatory integrity
• High level of accuracy in client risk assessments, compliance audits, and regulatory documentation
• Commitment to confidentiality regarding compliance procedures and internal policies
• Ability to stay updated on changing regulations and best practices
• Ability to navigate evolving regulatory landscapes and adjust compliance strategies accordingly
• Willingness to attend industry conferences, webinars, and training sessions to stay ahead of compliance trends

Benefits

• Access to the Company Bonus Scheme.
• 25 days holiday (plus bank holidays)
• Life assurance and critical illness protection
• Private medical after probation period (including Dental Cover and Cashback Plan)
• EAP Support
• Enhanced Pension Scheme (Salary Sacrifice)
• Hybrid Working (minimum 3 days a week in the London office)
• Work in a friendly, growing team