MLRO Services

Dedicated Compliance Officers Regulatory Expertise Scalable Solutions

Expert Money Laundering Reporting Officers and Compliance professionals available on full-time, part-time, or fractional basis to strengthen your AML compliance framework and reduce regulatory risk.

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Why Choose ComplyFactor’s MLRO Services

Our dedicated compliance officers bring specialized expertise, regulatory independence, and a proven approach to strengthen your AML compliance framework.

  • Specialized Compliance Expertise

    Our MLROs bring deep industry experience across banking, fintech, payments, and securities sectors with expertise in multiple regulatory frameworks.

  • Regulatory Independence

    Dedicated compliance officers who provide objective oversight, free from internal pressures, ensuring robust AML decisions and regulatory integrity.

  • Scalable Resources

    Flexible service models that adapt to your business cycles, transaction volumes, and regulatory requirements, ensuring you only pay for what you need.

  • Continuity Assurance

    No gaps in regulatory compliance during staff transitions, illness, or leave, with seamless backup support from our team of compliance professionals.

150+ Financial Institutions Served

Our MLROs have managed compliance programs for financial institutions across banking, fintech, payments, and securities sectors worldwide.

Our MLRO Implementation Process

A structured, seamless approach to integrate our compliance officers into your organization and establish effective AML oversight.

1

Assessment & Scoping

We begin with a comprehensive evaluation of your compliance landscape, regulatory requirements, transaction profile, and existing AML framework to determine the optimal service model.

Analysis of regulatory obligations and risk profile
Evaluation of current AML program status and maturity
Determination of service level requirements
2

MLRO Selection & Integration

We match you with compliance officers possessing the relevant industry experience, regulatory knowledge, and skills to meet your specific requirements and integrate them into your governance structure.

Expert matching based on industry and regulatory experience
Establishment of reporting lines and governance framework
Implementation of communication protocols and expectations
3

Program Assessment & Enhancement

Our MLRO conducts a thorough review of your existing AML processes, identifies improvement opportunities, and implements enhancements to strengthen your compliance framework.

Evaluation of existing policies, procedures, and controls
Development of enhanced compliance processes
Implementation of risk-based approach improvements
4

Ongoing Compliance Management

Your dedicated MLRO handles day-to-day compliance responsibilities according to your service model, ensuring regulatory requirements are met while providing regular reporting and strategic guidance.

Management of alerts, cases, and regulatory filings
Regular management and board reporting
Continuous program optimization and risk management

What Our Clients Say

Financial institutions trust ComplyFactor for expert MLRO services that deliver regulatory confidence and operational excellence.

ComplyFactor’s part-time MLRO service provided our fintech with the expertise we needed without the cost of a full-time hire. Their compliance officer seamlessly integrated with our team, improved our SAR process, and helped us navigate a complex regulatory examination with confidence.

David Chen

CEO, Payments Fintech

When our MLRO unexpectedly departed, ComplyFactor stepped in with a full-time compliance officer who ensured zero disruption to our regulatory obligations. Their expertise in transaction monitoring optimization helped us reduce false positives by 35% while strengthening our risk management approach.

Sophia Rodriguez

COO, Regional Bank

As a small crypto exchange, we needed fractional MLRO services to manage our case reviews and regulatory filings. ComplyFactor delivered exceptional expertise at a fraction of the cost of hiring in-house. Their guidance on our AML framework has been invaluable as we’ve scaled our operations.

Alex Thompson

Founder, Digital Asset Exchange

Frequently Asked Questions

Common questions about our MLRO and Compliance Officer services.

What is a Money Laundering Reporting Officer (MLRO)?
A Money Laundering Reporting Officer (MLRO) is a designated individual responsible for overseeing an organization’s anti-money laundering (AML) compliance program. Their core responsibilities include ensuring the firm’s procedures meet regulatory requirements, reviewing suspicious activity reports, filing regulatory reports (SARs/STRs), managing AML investigations, and serving as the primary point of contact with regulatory authorities on AML matters. The MLRO plays a critical role in protecting the organization from financial crime risks and ensuring regulatory compliance.
What are the benefits of outsourcing MLRO functions?
Outsourcing MLRO functions provides several advantages including access to specialized expertise without the cost of a full-time hire, scalable resources that can adapt to your business needs, independence in compliance decisions, regulatory continuity during staff transitions, and cost efficiency compared to maintaining an in-house team with the necessary expertise across all required areas. For many organizations, outsourced MLRO services offer access to senior-level compliance expertise that would be prohibitively expensive to maintain in-house, while providing the flexibility to scale services as business needs evolve.
What’s the difference between full-time, part-time, and fractional MLRO services?
Full-time MLRO services provide a dedicated compliance officer working exclusively for your organization, typically onsite or fully remote, handling all aspects of your AML compliance program on a daily basis. This model is ideal for larger institutions with complex compliance needs and high transaction volumes. Part-time MLRO services offer scheduled support for a fixed number of days per week or month (e.g., 2-3 days per week), providing consistent oversight while balancing cost-effectiveness. This model works well for medium-sized organizations with moderate compliance volumes. Fractional MLRO services provide focused expertise on specific compliance tasks or projects (e.g., SAR reviews, policy development) on an as-needed basis, making them perfect for smaller firms or those with lower compliance volumes looking for specialist support without a significant resource commitment.
How do ComplyFactor’s MLROs maintain independence while serving client organizations?
Our MLROs maintain independence through strict governance protocols that include documented reporting lines directly to your board or senior management, confidentiality agreements, conflict of interest policies, and transparent decision-making processes. We establish clear escalation procedures and maintain detailed documentation of all compliance decisions and their rationale. Our MLROs operate under a robust ethical framework that prioritizes regulatory compliance and risk management over commercial pressures. Additionally, our quality assurance team conducts regular reviews of compliance decisions to ensure consistent application of regulatory standards and independence in decision-making.
What types of organizations can benefit from outsourced MLRO services?
A wide range of organizations can benefit from outsourced MLRO services including banks, credit unions, payment service providers, fintechs, crypto/digital asset businesses, money services businesses, securities firms, insurance companies, and wealth management firms. Our services are particularly valuable for: 1) Growing organizations that need to scale compliance resources with business expansion, 2) Firms entering new markets that require specialized regulatory knowledge, 3) Organizations experiencing compliance staff transitions, 4) Smaller institutions seeking cost-effective access to specialized expertise, and 5) Regulated entities responding to regulatory findings that require enhanced compliance oversight.
How quickly can ComplyFactor implement MLRO services for our organization?
For standard implementations, we can typically deploy MLRO services within 2-4 weeks following contract finalization. This includes the initial assessment, selection of appropriate compliance officers, and integration planning. For urgent situations such as unexpected staff departures or regulatory requirements, we offer expedited implementation within 5-10 business days. Complex implementations involving large institutions or multi-jurisdictional requirements may require 4-6 weeks to ensure comprehensive integration and knowledge transfer. Our implementation timeline is tailored to your specific needs and prioritizes ensuring seamless continuity of your compliance functions.

Ready to Strengthen Your AML Compliance Function?

Partner with ComplyFactor for dedicated MLRO services that provide regulatory expertise, operational efficiency, and peace of mind for your organization.

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Need immediate assistance? Call (800) 555-1234 or Email Our Team

Our MLRO Service Models

Flexible compliance solutions tailored to your organizational needs, regulatory requirements, and operational scale.

Full-Time MLRO Services

A dedicated compliance officer working exclusively with your organization to oversee all aspects of your AML program and regulatory requirements.

Exclusive onsite or remote service
Comprehensive program oversight
Daily operational involvement
Most Popular

Part-Time MLRO Services

Scheduled MLRO support on a fixed number of days per week or month, providing consistent oversight while balancing cost-effectiveness for medium-sized organizations.

Scheduled weekly/monthly coverage
Dedicated case management time
Regulatory reporting oversight

Fractional MLRO Services

Task-focused compliance support providing specialized expertise for specific compliance functions on an as-needed basis, ideal for smaller firms or those with lower compliance volumes.

Task-based compliance support
Flexible resource allocation
Pay for what you need

SAR/STR Filing & Case Review

Expert review and filing of Suspicious Activity Reports (SARs) or Suspicious Transaction Reports (STRs), ensuring comprehensive analysis and timely submission to regulatory authorities.

Alert & case investigation
Narrative development
Regulatory filing management

Customer Onboarding & KYC Oversight

Comprehensive management of your customer due diligence processes, including onboarding procedures, risk assessments, and enhanced due diligence for high-risk customers.

CDD/EDD process management
Risk rating methodology
Complex case resolution
Specialized

Regulatory Advisory & Response

Strategic guidance on regulatory inquiries, examinations, and remediation requirements, leveraging our expertise in AML compliance and regulatory expectations.

Examination management
Regulatory correspondence
Remediation oversight

Which MLRO Service Model Is Right For You?

Compare our service models to find the optimal solution for your organization’s size, complexity, and compliance needs.

Service Features Full-Time
MLRO		 Part-Time
MLRO		 Fractional
MLRO
Comprehensive AML Program Oversight
Daily Operational Involvement
SAR/STR Filing & Regulatory Reporting
Transaction Monitoring Review
High-Risk Customer Approvals
AML Policy Development
Staff AML Training
Regulatory Examination Support
Board & Committee Reporting
Risk Assessment Updates
Ideal For Large organizations with complex AML needs Medium-sized firms with moderate AML volumes Smaller firms or specific compliance tasks
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