The MLRO Challenge: Hiring the Right Financial Crime Leader in a High-Risk Regulatory World

The Modern CFO: Why Finance Leadership Is Driving Business Growth in 2026

THE MODERN CFO: WHY FINANCE LEADERSHIP IS DRIVING BUSINESS GROWTH IN 2026 Welcome to today's episode, where we're exploring one of the biggest transformations happening inside modern businesses — the evolution of the CFO and Finance Director role. For decades, finance leaders were often seen as the guardians of budgets, reporting, and compliance. Today, that perception has completely changed. The modern CFO sits at the centre of strategic decision-making, growth planning, fundraising, operational performance, risk management, and even technology transformation. In this episode, we'll discuss why finance leadership has become more important than ever, the trends shaping CFO recruitment in 2026, and some of the valuable insights being shared by FD Capital, one of the UK's leading specialist CFO and Finance Director recruitment firms. The CFO Role Has Changed Forever Business leaders no longer expect finance directors and CFOs simply to report what happened last month. Instead, they are expected to answer critical questions such as: * Where should we invest next? * How can we improve profitability? * Are we prepared for economic uncertainty? * What risks are emerging? * How do we increase company valuation? According to FD Capital's Insights platform, modern finance leaders have become strategic partners to CEOs and boards, helping shape long-term business direction rather than simply managing financial controls. This shift has accelerated due to increasing competition, investor expectations, technological change, and the growing complexity of business operations. Why Businesses Are Hiring Fractional CFOs One of the fastest-growing trends highlighted across the FD Capital Insights section is the rise of the fractional CFO. For many growing businesses, hiring a full-time CFO can be expensive and unnecessary during certain stages of growth. Instead, organisations are increasingly turning to experienced part-time or portfolio CFOs who can provide: * Strategic financial leadership * Fundraising support * Cash flow management * Investor reporting * Growth planning * M&A advice This gives businesses access to board-level expertise without the cost of a permanent executive hire. FD Capital has seen significant demand for these flexible leadership models across SMEs, scale-ups, and private-equity-backed companies. Technology Is Reshaping Finance Another major theme emerging from finance leadership discussions is technology. Artificial intelligence, automation, advanced analytics, and cloud-based finance systems are changing how finance functions operate. Today's CFO needs to understand more than accounting. They need to understand: * Data analytics * Digital transformation * Financial systems * Business intelligence * Cyber risk * Operational resilience Finance leaders are increasingly responsible for turning financial and operational data into actionable business insight. This has become one of the most valuable skills in modern executive teams. Private Equity Has Raised Expectations Private equity investors have significantly influenced the evolution of finance leadership. PE-backed businesses often require: * Sophisticated reporting * KPI dashboards * Cash forecasting * Banking covenant management * Acquisition support * Exit preparation As FD Capital highlights, CFOs operating in private-equity environments are expected to deliver both financial control and value creation. They are often central to scaling businesses, supporting acquisitions, and preparing companies for eventual exits or investment events. This demand has created a premium market for experienced CFOs and Finance Directors who understand investor-backed growth environments. Recruitment Trends Shaping 2026 The finance recruitment market is changing rapidly. Businesses are no longer hiring solely on technical accounting expertise. Increasingly, companies are seeking finance leaders who can demonstrate: * Commercial awareness * Strategic thinking * Leadership capability * Technology expertise * ESG understanding * Risk management skills The most sought-after candidates combine financial discipline with the ability to influence decision-making across an entire organisation. This shift is making specialist recruitment increasingly important, particularly for businesses seeking senior finance talent capable of delivering immediate impact. Why Thought Leadership Matters One reason FD Capital's Insights platform has gained attention is that it goes beyond recruitment. The content explores: * CFO leadership * Finance transformation * Fundraising * M&A preparation * Regulatory developments * Recruitment trends * Strategic finance planning The goal is not simply to fill vacancies but to help business leaders understand the evolving role finance professionals play in driving growth and resilience. For CEOs, founders, investors, and finance professionals alike, these insights provide valuable perspectives on what successful finance leadership looks like in today's market. Final Thoughts The finance function is no longer a back-office operation. It's a strategic growth engine. As businesses face economic uncertainty, digital transformation, regulatory pressure, and increasing investor expectations, the demand for experienced CFOs and Finance Directors continues to rise. The organisations that thrive over the next decade will likely be those that view finance leadership not as a cost centre, but as a competitive advantage. If you'd like to explore more perspectives on CFO leadership, finance recruitment, private equity, fundraising, strategic growth, and the future of finance, visit the FD Capital Insights hub. You can find it here: https://www.fdcapital.co.uk/insights/ [https://www.fdcapital.co.uk/insights/] Host: Thank you for listening to today's episode. If you enjoyed this discussion, subscribe for more conversations covering finance leadership, business growth, CFO recruitment, private equity, and the trends shaping the future of financial management. Until next time, keep leading, keep growing, and keep thinking strategically. Outro Music Fades Out

Consumer Duty in 2026: From Compliance Project to Business Reality

Welcome to today's episode, where we're discussing one of the most significant regulatory developments in UK financial services – Consumer Duty. Since its introduction, Consumer Duty has transformed the way the FCA expects firms to operate. What started as a compliance implementation programme has evolved into something much bigger: an ongoing requirement for firms to demonstrate and evidence good customer outcomes. Today, we're exploring what firms have learned since implementation, where many organisations are still struggling, and why the people leading Consumer Duty programmes have become some of the most sought-after professionals in the UK financial services sector. This episode is inspired by the excellent Consumer Duty Outcomes Guide published by FD Capital, specialists in senior compliance, risk and regulatory recruitment for FCA-regulated firms. The Shift from Rules to Outcomes Historically, many firms approached regulation through a process-driven lens. The key question was often: "Did we follow the required procedures?" Consumer Duty changes that question entirely. The FCA now expects firms to demonstrate that customers are actually achieving good outcomes. Following a process alone is no longer enough. Firms must be able to evidence that products, services, communications and support arrangements are delivering positive results for consumers. This represents a fundamental shift in regulatory philosophy. It's no longer about ticking boxes. It's about outcomes. Understanding the Four Consumer Duty Outcomes At the heart of Consumer Duty sit four key outcomes. Products and Services Firms must ensure products are designed for a clearly identified target market and distributed appropriately. This requires ongoing product governance, regular reviews and evidence that products continue to meet customer needs. Price and Value The FCA expects firms to demonstrate that customers receive fair value. This doesn't mean products must be the cheapest available. It means the benefits received should be proportionate to the price being paid. Fair value assessments have become a major supervisory focus and remain one of the most scrutinised areas of Consumer Duty compliance. Consumer Understanding Communications must be clear, understandable and support informed decision-making. The FCA increasingly expects firms to test communications and demonstrate that customers genuinely understand what they're buying and the risks involved. Consumer Support Customers must receive appropriate support throughout the product lifecycle. This includes accessible service channels, complaint handling, vulnerable customer support and removing unreasonable barriers that prevent customers from achieving their financial objectives. Why Many Firms Are Still Struggling One of the most interesting observations highlighted in the FD Capital guide is that many firms viewed Consumer Duty as a one-time implementation project. The reality is very different. The initial implementation phase may be complete, but the ongoing challenge is proving compliance every day. Many firms continue to face difficulties around: * Outcomes monitoring * Fair value assessments * Data collection and reporting * Vulnerable customer frameworks * Distribution chain oversight * Board reporting and governance The FCA's recent supervisory communications suggest firms are improving, but there is still significant focus on evidence, accountability and measurable customer outcomes. The Growing Importance of Compliance Leadership Perhaps one of the biggest consequences of Consumer Duty has been the growing demand for senior compliance professionals. We're seeing increasing demand for: * Chief Compliance Officers * Heads of Consumer Duty * Chief Risk Officers * Compliance Directors * Consumer Duty Analysts * Regulatory Reporting Specialists These roles have evolved significantly. Today's compliance leaders need much more than regulatory knowledge. They need commercial awareness, data literacy, governance expertise and the ability to influence stakeholders across the organisation. Consumer Duty has become a business-wide responsibility rather than a compliance department responsibility. What Good Looks Like So what separates firms that are succeeding from those that continue to face challenges? According to the patterns identified by FD Capital, successful firms tend to have: * Strong board engagement * Clear ownership and accountability * Effective outcomes monitoring * Robust management information * Well-resourced compliance functions * Genuine customer-focused cultures Most importantly, they recognise that Consumer Duty is not a document. It's an operating model. It's embedded into product design, pricing decisions, customer communications and support processes. And that requires the right people. Final Thoughts Consumer Duty continues to reshape the UK financial services landscape. As the FCA's expectations mature, firms will increasingly be judged not on what policies they have written, but on the outcomes they can demonstrate. For many organisations, the question is no longer: "Have we implemented Consumer Duty?" It's: "Can we prove we're delivering good outcomes today?" If you'd like a deeper understanding of the regulatory framework, practical implementation challenges, ongoing governance requirements and the specialist roles firms are hiring to support Consumer Duty programmes, we strongly recommend reading FD Capital's comprehensive Consumer Duty Outcomes Guide. You can find it here: https://www.fdcapital.co.uk/consumer-duty-outcomes-guide/ [https://www.fdcapital.co.uk/consumer-duty-outcomes-guide/] and https://www.fdcapital.co.uk/consumer-duty-guide/ [https://www.fdcapital.co.uk/consumer-duty-guide/]

Inside Financial Crime Recruitment: How FCA-Regulated Firms Are Winning the War for AML & Compliance Talent

Welcome to the Financial Leadership Podcast — the show where we explore the trends, challenges, and leadership issues shaping finance, compliance, and regulated businesses across the UK. Today’s episode focuses on one of the fastest-growing and most critical areas in financial services hiring: financial crime recruitment. From anti-money laundering and KYC to sanctions oversight and fraud prevention, firms are under increasing pressure from regulators, investors, and boards to strengthen their financial crime controls. And the big question is this: How do you attract and retain the right financial crime professionals in a market where experienced AML and compliance talent is in incredibly short supply? To answer that, we’re taking a closer look at the specialist work being carried out by FD Capital — a UK recruitment firm supporting FCA-regulated businesses with financial crime, compliance, and senior finance appointments. Segment 1 — Why Financial Crime Recruitment Matters More Than Ever Over the last decade, financial crime risk has moved from being a back-office compliance issue to a board-level strategic priority. Regulators are demanding stronger controls. The FCA expects firms to demonstrate robust governance around anti-money laundering, customer due diligence, sanctions screening, transaction monitoring, and suspicious activity reporting. At the same time, financial crime threats are becoming more sophisticated. We’re seeing increased regulatory focus on: * AML remediation * sanctions compliance * fraud prevention * crypto and digital asset oversight * enhanced customer due diligence * and operational resilience around compliance frameworks That means firms need specialist people — not just generalist compliance professionals. And that’s exactly where specialist recruitment firms like FD Capital come in. Segment 2 — The Roles Firms Are Hiring For One of the interesting things about the financial crime market is how broad it has become. FD Capital recruits across the full spectrum of financial crime and compliance positions, including: * Financial Crime Analysts * AML Compliance Officers * KYC and CDD specialists * Financial Crime Investigators * Sanctions Officers * Financial Crime Managers * Heads of Financial Crime * MLROs * and Financial Crime Directors What’s particularly interesting is the rise in demand for senior interim and fractional leadership. Many firms don’t necessarily need a full-time Head of Financial Crime immediately. Instead, they may need experienced leadership two or three days per week while scaling operations, preparing for FCA authorisation, or completing remediation work. That flexible hiring model is becoming increasingly popular — especially among fintechs, challenger banks, and high-growth regulated businesses. Segment 3 — Why Specialist Recruitment Matters Financial crime recruitment is not the same as mainstream hiring. You can’t simply post a job advert and hope the right candidate appears. The best AML and compliance professionals are usually passive candidates. They’re already employed. They’re highly networked. And they often move through specialist recruiters with deep market credibility. FD Capital positions itself as a specialist recruiter operating in the FCA-regulated market, with experience supporting banks, payment firms, insurers, fintechs, and investment businesses. One thing that stands out is their understanding of regulatory structure. For example: * SMF16 responsibilities * MLRO overlap * FCA expectations * remediation programme staffing * and regulatory reporting environments That level of technical understanding is essential when placing senior compliance talent. Segment 4 — The Growth of Interim Financial Crime Hiring Another major trend is interim recruitment. Firms increasingly need rapid deployment of experienced professionals for situations such as: * regulatory reviews * FCA remediation programmes * KYC refresh projects * sanctions remediation * fraud investigations * or sudden departures of key senior staff According to FD Capital, interim shortlists can often be delivered within 48 to 72 hours for urgent senior mandates. That speed matters. Because when a regulated firm loses a Head of Financial Crime or MLRO unexpectedly, operational and regulatory pressure builds immediately. Having access to a pre-qualified network becomes a huge advantage. Segment 5 — The Future of Financial Crime Careers Financial crime is no longer viewed as a narrow compliance niche. It has become a strategic career path with strong long-term demand. Professionals with expertise in AML, sanctions, fraud prevention, and regulatory governance are increasingly valuable across: * retail banking * payments * fintech * insurance * digital assets * and wealth management And we’re also seeing demand for professionals who combine financial crime knowledge with technology, analytics, and data-driven risk management. As regulatory complexity continues to increase, firms will need stronger specialist leadership than ever before. Closing If your organisation is building a financial crime function, hiring an MLRO, strengthening AML controls, or scaling compliance capability, specialist recruitment support can dramatically reduce both hiring risk and time-to-placement. You can learn more about FD Capital’s specialist financial crime recruitment services here: https://www.fdcapital.co.uk/financial-crime-recruitment/ [https://www.fdcapital.co.uk/financial-crime-recruitment/] FD Capital supports permanent, interim, and fractional financial crime recruitment across the UK, with expertise covering AML, KYC, sanctions, fraud, and broader FCA-regulated hiring. Thanks for listening to today’s episode. If you enjoyed this discussion, subscribe for more insights on finance leadership, compliance hiring, FCA-regulated recruitment, and the future of financial services talent.

The FCA Compliance Blueprint: What Every Regulated Firm Must Know

Welcome to the FD Capital Leadership Podcast — where we explore the leadership, regulation, and operational trends shaping UK financial services. Today’s episode is essential listening for: *  FCA-regulated firms  *  Fintech founders  *  Compliance professionals  *  Senior Managers  *  And firms preparing for FCA authorisation.  We’re calling this episode: “The FCA Compliance Blueprint.” Because in today’s regulatory environment, understanding FCA expectations is no longer optional. In this episode we’ll cover: *  The FCA Fit & Proper Test  *  Regulatory References  *  FCA Authorisation  *  The FCA Application Process  *  FCA Threshold Conditions  *  And the Appointed Representative regime.  We’ll also explain how the practical guides published by FD Capital [https://www.fdcapital.co.uk?utm_source=chatgpt.com] help firms navigate these complex areas. SEGMENT 1 — THE FIT & PROPER TEST HOST: Let’s begin with one of the foundations of the Senior Managers & Certification Regime — the FCA Fit & Proper Test. According to FD Capital’s Fit & Proper Guide [https://www.fdcapital.co.uk/fit-and-proper-guide/?utm_source=chatgpt.com], firms must assess: *  Honesty and integrity  *  Competence and capability  *  And financial soundness. (fdcapital.co.uk [https://www.fdcapital.co.uk/fit-and-proper-guide/?utm_source=chatgpt.com])  The FCA expects these assessments to be genuine and evidence-based — not simple HR exercises. This includes reviewing: *  Regulatory history  *  Qualifications and experience  *  Financial issues  *  Conduct concerns  *  And ongoing competence. (fdcapital.co.uk [https://www.fdcapital.co.uk/fit-and-proper-guide/?utm_source=chatgpt.com])  SEGMENT 2 — REGULATORY REFERENCES HOST: Another key SMCR requirement is the Regulatory References regime. FD Capital’s Regulatory References Guide [https://www.fdcapital.co.uk/regulatory-references-guide/?utm_source=chatgpt.com] explains that firms must request and provide references covering six years of regulated employment history. (fdcapital.co.uk [https://www.fdcapital.co.uk/regulatory-references-guide/?utm_source=chatgpt.com]) The goal is to prevent individuals with serious conduct concerns moving between regulated firms without disclosure. This has become a major part of regulated recruitment and hiring governance. SEGMENT 3 — BECOMING FCA AUTHORISED HOST: For startups and growing financial firms, FCA authorisation is one of the biggest milestones. FD Capital’s guide on becoming FCA authorised [https://www.fdcapital.co.uk/how-to-become-fca-authorised/?utm_source=chatgpt.com] explains that authorisation is required whenever a business carries out regulated activities under FSMA. (fdcapital.co.uk [https://www.fdcapital.co.uk/how-to-become-fca-authorised/?utm_source=chatgpt.com]) But many founders underestimate the complexity. The FCA expects firms to demonstrate: *  Strong governance  *  Adequate financial resources  *  Operational readiness  *  And experienced leadership teams.  This is far more than a paperwork exercise. SEGMENT 4 — THE FCA APPLICATION PROCESS HOST: Closely linked is the formal FCA application process itself. FD Capital’s FCA Application Process Guide [https://www.fdcapital.co.uk/fca-application-process-guide/?utm_source=chatgpt.com] explains the stages involved: *  Pre-application preparation  *  Submission  *  FCA review  *  Follow-up information requests  *  And final determination. (fdcapital.co.uk [https://www.fdcapital.co.uk/fca-application-process-guide/?utm_source=chatgpt.com])  Firms are often asked for: *  Financial forecasts  *  Compliance frameworks  *  Governance structures  *  Risk policies  *  And operational resilience planning.  Applications can take many months, especially where governance arrangements are weak or unclear. SEGMENT 5 — FCA THRESHOLD CONDITIONS HOST: An important concept many firms overlook is the FCA Threshold Conditions. FD Capital’s Threshold Conditions Guide [https://www.fdcapital.co.uk/fca-threshold-conditions-guide/?utm_source=chatgpt.com] explains that these are the minimum standards firms must meet not only during authorisation — but continuously afterward. (fdcapital.co.uk [https://www.fdcapital.co.uk/fca-threshold-conditions-guide/?utm_source=chatgpt.com]) They include: *  Appropriate resources  *  Effective supervision  *  Suitability  *  And sustainable business models.  Firms that fail to maintain these standards risk regulatory intervention or loss of authorisation. SEGMENT 6 — THE APPOINTED REPRESENTATIVE REGIME HOST: Finally, let’s discuss the Appointed Representative — or AR — regime. FD Capital’s Appointed Representative Guide [https://www.fdcapital.co.uk/appointed-representative-guide/?utm_source=chatgpt.com] explains how ARs can operate under the permissions of a principal firm. (fdcapital.co.uk [https://www.fdcapital.co.uk/appointed-representative-guide/?utm_source=chatgpt.com]) However, the FCA has significantly tightened expectations in this area. Principal firms are now expected to: *  Conduct proper due diligence  *  Monitor AR activity  *  Maintain strong oversight  *  And perform regular reviews.  Importantly, the principal firm remains responsible for the AR’s regulated activity. CLOSING HOST: If you’d like to explore these topics further, you can access the full guides here: * Fit & Proper Guide [https://www.fdcapital.co.uk/fit-and-proper-guide/?utm_source=chatgpt.com] * Regulatory References Guide [https://www.fdcapital.co.uk/regulatory-references-guide/?utm_source=chatgpt.com] * How to Become FCA Authorised [https://www.fdcapital.co.uk/how-to-become-fca-authorised/?utm_source=chatgpt.com] * FCA Application Process Guide [https://www.fdcapital.co.uk/fca-application-process-guide/?utm_source=chatgpt.com] * FCA Threshold Conditions Guide [https://www.fdcapital.co.uk/fca-threshold-conditions-guide/?utm_source=chatgpt.com] * Appointed Representative Guide [https://www.fdcapital.co.uk/appointed-representative-guide/?utm_source=chatgpt.com] And to learn more about FD Capital’s specialist recruitment and advisory support for regulated firms, visit FD Capital [https://www.fdcapital.co.uk?utm_source=chatgpt.com]. Thanks for listening to the FD Capital Leadership Podcast.

The MLRO Challenge: Hiring the Right Financial Crime Leader in a High-Risk Regulatory World

Welcome to The Regulated Growth Podcast — the show for founders, CFOs, compliance leaders, and regulated firms navigating the increasingly complex world of governance, risk, and financial regulation. Today we’re talking about one of the most business-critical hires in financial services right now — the Money Laundering Reporting Officer, or MLRO. Whether you’re an FCA-regulated fintech, a payments business, an investment manager, or a scaling e-money firm, your MLRO isn’t just another compliance hire. They’re central to your regulatory credibility, your operational resilience, and increasingly, your ability to scale safely. And joining us as today’s sponsor is FD Capital’s MLRO Recruitment Team [https://www.fdcapital.co.uk/mlro-recruitment/?utm_source=chatgpt.com] — specialists in permanent, interim, and fractional MLRO appointments across the UK financial services sector. SEGMENT 1 — WHY THE MLRO ROLE HAS CHANGED HOST: A decade ago, many firms viewed anti-money laundering compliance as a back-office necessity. Today? It’s a board-level issue. The regulatory environment has become dramatically more demanding. The FCA expects firms to demonstrate active oversight of AML controls, sanctions frameworks, suspicious activity reporting, customer due diligence, and ongoing financial crime governance.  And when something goes wrong, regulators increasingly look directly at senior management accountability. That’s why the MLRO role — particularly under SMF17 within the Senior Managers & Certification Regime — has become one of the most strategically important appointments in regulated firms.  SEGMENT 2 — WHAT MAKES A STRONG MLRO? HOST: A great MLRO combines technical regulatory knowledge with commercial judgement and leadership credibility. They need to understand: *  AML regulations and FCA expectations  *  SAR reporting obligations  *  KYC and customer onboarding frameworks  *  sanctions compliance  *  regulatory investigations  *  governance and board reporting  *  operational risk  *  and often fintech scaling challenges too.  But beyond the technical side, the best MLROs are calm under pressure. Because when a suspicious transaction lands at 7 PM on a Friday evening, or when the FCA starts asking questions, firms need someone experienced enough to make difficult judgement calls quickly and confidently. That’s one reason specialist recruitment matters so much in this space. SEGMENT 3 — THE FRACTIONAL MLRO TREND HOST: One of the biggest developments in the market right now is the rise of the fractional MLRO model. Not every regulated firm needs — or can justify — a full-time senior financial crime executive. For many fintechs, payment institutions, early-stage regulated firms, and growth businesses, a part-time or fractional MLRO can be the ideal solution.  Typically, these professionals work one or two days per week while still maintaining full SMF17 capability and oversight responsibilities. The advantages are obvious: *  lower cost base  *  access to senior expertise  *  flexibility during growth phases  *  support during FCA authorisation  *  and immediate credibility with regulators.  According to FD Capital’s MLRO Recruitment practice [https://www.fdcapital.co.uk/mlro-recruitment/?utm_source=chatgpt.com], demand for interim and fractional MLROs has increased sharply as firms seek experienced compliance leadership without committing to large permanent overheads.  SEGMENT 4 — WHY MLRO RECRUITMENT IS DIFFERENT HOST: Hiring an MLRO is not like hiring a generic compliance officer. The stakes are significantly higher. The candidate often requires FCA approval under SMF17, and the process can take months. Firms need to evaluate: *  prior regulatory history  *  FCA approval track record  *  financial crime experience  *  sector expertise  *  governance capability  *  and cultural fit with senior leadership.  This is why specialist recruiters with deep regulatory networks are increasingly valuable. FD Capital [https://www.fdcapital.co.uk?utm_source=chatgpt.com] focuses specifically on finance, compliance, and FCA-regulated recruitment. Their MLRO recruitment team works with banks, fintechs, investment firms, consumer credit businesses, and payment institutions to identify qualified candidates quickly.  And importantly, they support firms through the approval process itself — including regulatory references, Statements of Responsibilities, and SMF17 application preparation.  SEGMENT 5 — THE FINTECH FACTOR HOST: Fintech has completely transformed the MLRO market. Digital onboarding, embedded finance, crypto exposure, cross-border payments, and rapid scaling all create new financial crime risks. That means modern MLROs increasingly need technology fluency alongside regulatory expertise. Firms are now searching for professionals who understand: *  transaction monitoring systems  *  fintech operational models  *  payment flows  *  digital customer journeys  *  and real-time compliance frameworks.  Recruitment firms with fintech and FCA-regulated expertise are therefore becoming increasingly important in sourcing suitable talent. SEGMENT 6 — FINAL THOUGHTS HOST: If there’s one message from today’s episode, it’s this: The MLRO role is no longer just a compliance checkbox. It’s a strategic leadership position that directly impacts: *  regulatory confidence  *  investor perception  *  operational resilience  *  and long-term growth.  The firms getting this hire right are treating financial crime leadership as a core business function — not an afterthought. And if your organisation is considering an interim, fractional, or permanent MLRO appointment, take a look at FD Capital’s specialist MLRO recruitment team [https://www.fdcapital.co.uk/mlro-recruitment/?utm_source=chatgpt.com]. They recruit across: *  FCA-regulated firms  *  fintechs  *  payment institutions  *  investment managers  *  consumer credit firms  *  and broader financial crime and compliance functions