Fractional MLRO / Compliance Officer Services
“A part-time Head of Compliance and / or MLRO you can trust – backed by an expert team.”
Many regulated firms are required to have a Money Laundering Reporting Officer (MLRO) and a Compliance Officer - people who are officially responsible for making sure the firm follows the rules and reports anything suspicious.
But hiring a full-time MLRO or Compliance Officer is expensive, and often unnecessary, especially for startups or smaller firms.
Here's where we come in:
Our Fractional MLRO and Compliance Officer service gives you a highly experienced professional to officially hold these roles for your firm on a part-time basis. They’re supported behind the scenes by the wider FinTech Compliance team and have access to our full library of policies, templates, and expert advice. This makes it easy for them to stay on top of your compliance, meet your regulatory obligations, and respond to the FCA when needed.
It’s a smart, flexible alternative to hiring full-time, with all the peace of mind that comes from having senior compliance leadership in place.
Fractional MLRO & Compliance Officer Services
Senior compliance leadership: part-time, properly appointed, and fully supported.
Regulated firms need experienced people in key roles like Money Laundering Reporting Officer (MLRO) and Compliance Officer - the individuals who are officially accountable for making sure the firm follows FCA rules, reports suspicious activity, and keeps things compliant.
But not every firm needs (or wants) a full-time hire. That’s where our fractional service comes in.
We provide you with an experienced compliance professional to officially hold the role of MLRO and/or Compliance Officer within your firm, on a part-time basis.
Your appointed compliance professional will be FCA-approved, listed on your regulatory permissions (as SMF16 and/or SMF17), and will take on the legal and regulatory responsibility for the role – just as if they were full-time in-house.
How it works
Your fractional MLRO or Compliance Officer will:
- Be named on your FCA authorisation as the official role-holder
- Take ownership of compliance monitoring, reporting, and oversight
- Lead on AML controls, suspicious activity reporting, and regulatory correspondence
- Be supported by the FinTech Compliance team, offering extra expertise, backup, and continuity
- Use our library of policies, tools, and templates to stay on top of your compliance needs
Meaning, you get the leadership and accountability the regulator expects, without the cost, hiring process, or long-term commitment of a full-time employee.
How this differs from our ongoing retainer services
Our retainer service gives you access to our compliance support team – but someone at your firm (usually a director or founder) still holds the official title and responsibility as MLRO and/or Compliance Officer.
With our fractional service, we take that on for you.
We step into the regulated role, and stand behind it with our experience, processes, and team.
Who would benefit from this service?
- FCA-regulated firms that don’t yet have a full-time MLRO or Compliance Officer
- Early-stage fintechs scaling up
- Firms going through authorisation who need an experienced role-holder in place
- Authorised firms whose current compliance lead is stepping down
- Businesses needing interim cover for SMF16/17 roles
Backed by FinTech Compliance
Each fractional officer is:
- Handpicked from our experienced network
- Supported by the FinTech Compliance team
- Equipped with access to our compliance frameworks, training, and documents
- Monitored to ensure high standards of delivery and oversight
We’re not just placing a name on your application - we’re delivering the complete package.