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Fractional MLRO Services

Senior MLRO expertise, without the full-time cost.

An outsourced Money Laundering Reporting Officer for regulated firms and VASPs: senior oversight, SAR decisions and regulatory engagement, supported by LÆdar.

KPMGDeloitteBank of New York Mellon12+ years
mlro / oversightLive
SAR decisionsReviewed
Board reportQ3 ready
MonitoringActive
Regulator engagementOngoing
Outsourced MLROSenior-led
The challenge

The MLRO role cannot sit vacant or junior.

The Money Laundering Reporting Officer carries personal regulatory responsibility, but a permanent senior hire is costly and hard to find.

£150k+

Full-time cost

A permanent senior MLRO is expensive and difficult to recruit, especially for growing firms.

Personal

Accountability

The role carries personal regulatory liability that cannot be left vacant or under-qualified.

SARs

Decision quality

Suspicious activity decisions must be timely, defensible and properly documented.

Continuity

Coverage gaps

Leavers, absence and scaling create dangerous gaps in compliance oversight.

How KYCifi helps

A senior MLRO, on demand.

We act as your named or supporting MLRO, with the seniority of a Big Four background and the support of LÆdar.

Process

Named or supporting MLRO

We own SAR decisions, oversight and regulatory engagement, as your named or deputy MLRO.

Intelligence

LÆdar support

LÆdar gives the MLRO live screening, ownership and risk intelligence to make defensible calls.

Documentation

Board & MI reporting

Board reports, SAR records and oversight logs, kept audit-ready at all times.

Ongoing support

Continuous oversight

Training, monitoring and ongoing advisory as obligations and the business change.

How we work

A clear, senior-led engagement.

Every engagement runs the same disciplined way, from first conversation to ongoing oversight.

01

Discovery

A free consultation to understand your business, obligations and risk appetite.

02

Assessment

We assess your current position, gaps and regulatory exposure against the standard expected.

03

Delivery

Specialists deliver the work, enhanced by LÆdar, to a fixed scope and fee agreed in writing.

04

Ongoing support

Continuous monitoring, advisory and updates as your business and the rules evolve.

What you receive

Tangible, audit-ready outputs.

Senior compliance oversight delivered as an ongoing service, not a one-off report.

Named or supporting MLRO

Senior MLRO capability mapped to your firm.

SAR decision making

Reviewed, documented suspicious activity decisions.

Board & MI reports

Regular reporting for governance and oversight.

Regulatory engagement

Support with supervisors and information requests.

Staff training

AML and reporting training for your teams.

Ongoing monitoring

Continuous oversight of controls and alerts.

Governance & escalation

Clear escalation and accountability structures.

MLRO advisory

On-call senior compliance judgement.

Who this is for

For UK regulated firms and Pakistani VASPs.

UK banks

Banking and credit institutions.

Fintechs

FCA-regulated technology firms.

EMIs

Electronic money and payment institutions.

Wealth managers

Wealth, asset and investment firms.

Law firms

Regulated legal practices.

Pakistani VASPs

PVARA-regulated virtual asset providers.

Why KYCifi

Specialist expertise, with a technology advantage.

KYCifi is a specialist financial crime consultancy built by practitioners who have worked at the highest levels of AML and KYC compliance. That expertise is encoded into LÆdar, our intelligence platform.

12+
Years financial crime experience
40+
Global sanctions & PEP lists
8
Regulated markets served
No.1
Spinningfields, Manchester
KPMGDeloitteBank of New York MellonManchester basedPowered by LÆdar

Ready to strengthen your compliance framework?

Speak to a financial crime specialist. We will tell you honestly how we can help, and what it would take.

contact@kycifi.com 0161 706 0333 No.1 Spinningfields, Manchester M3 3EB