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Kat HartKH

Kat Hart

AML, FCA & Compliance Advisor | Fintech & Payments

€1,042/day
London, GB
15+ years
AML / Financial Crime
FCA Regulation
KYC / Customer Due Diligence
Payments / Fintech Compliance
Compliance Programme Design

Average response time: 1 hour

About Kat

I help fintechs, payments firms and regulated businesses build and scale compliant operations.

With 10+ years as Head of Compliance and MLRO across the UK and Europe, I specialise in FCA authorisations, AML/CTF frameworks, and designing practical compliance programmes that actually work in fast-moving environments.

I support companies at different stages:

Pre-launch: FCA applications, regulatory strategy, operating model design
Scale-up: AML frameworks, KYC/CDD processes, transaction monitoring, policy development
Mature firms: compliance reviews, remediation, audit support, and regulatory readiness

My approach is pragmatic and hands-on. I don’t just advise — I build policies, implement processes, and work with teams to make compliance operational.

Typical clients include fintechs, EMIs, PSPs, and startups entering regulated markets.
Banking and Financial Services
Consulting and Audits
Private Equity
E-commerce
Digital and IT Services

  • English

    Native or bilingual

  • Slovenian

    Native or bilingual

Can work on-site
London (up to 50km)

Experience

  • FINTECH COMPLIANCE LTD
    COMPLIANCE CONSULTANT
    BANKING AND INSURANCE
    March 2025 - Today (1 year and 3 months)
    London, UK
    Compliance advisory role for firms within the financial, insurance, consumer credit, crypto and investment management sectors.
    • Leading and supporting FCA authorisation applications (EMI, PI, AISP/PISP, insurance intermediary and MiFID), including business plans, compliance frameworks and regulatory submissions.
    • Conducting compliance audits and regulatory health checks assessing firms' adherence to FCA rules and AML requirements.
    • Designing and reviewing AML/CTF frameworks, risk assessments and internal controls aligned with UK regulatory expectations.
    • Advising senior management on risk identification, risk appetite and mitigation strategies.
    • Advising fintech and digital asset businesses on crypto-asset risk typologies and blockchain transaction monitoring principles.
    AML / Financial Crime FCA Regulation Payments / Fintech Compliance Regulatory Strategy Compliance Programme Design
  • LEREX TECHNOLOGY LTD
    HEAD OF COMPLIANCE, MLRO
    BANKING AND INSURANCE
    July 2022 - July 2023 (1 year)
    London, UK
    • Led the FCA EMI licence application process, including regulatory documentation and engagement.
    • Served as MLRO, responsible for the firm's AML/CTF framework, KYC/KYB controls and transaction monitoring systems.
    • Directed B2B onboarding and periodic review programmes, overseeing CDD, EDD, risk assessments and QA across the compliance team.
    • Advised crypto exchanges and fintech partners on onboarding models, AML controls and regulatory expectations.
    • Managed the firm's risk management framework, including risk register, risk appetite and board reporting.
    • Enhanced transaction monitoring and onboarding controls, introducing improved rules, workflows and automated risk scoring.
    • Oversaw SAR reporting and financial crime investigations, ensuring appropriate escalation and regulatory compliance.
    • Led and developed the compliance team, delivering training and embedding a strong risk culture.
    AML / Financial Crime FCA Regulation MLRO Regulatory Authorisation Compliance Governance
  • YOYO WALLET LTD
    HEAD OF COMPLIANCE, MLRO
    BANKING AND INSURANCE
    June 2017 - November 2019 (2 years and 5 months)
    London, UK
    Fast-growing fintech providing a mobile payments and loyalty platform. FCA authorised Electronic Money Institution.
    • Held dual responsibility as Head of Compliance and MLRO, overseeing the firm's end-to-end compliance and financial crime framework.
    • Led the firm's FCA authorisation process, progressing from SEMI to fully authorised EMI.
    • Designed and implemented AML/CTF controls and transaction monitoring aligned with the UK Money Laundering Regulations.
    • Acted as primary liaison with the FCA, managing regulatory reporting, notifications and supervisory engagement.
    • Maintained the firm's risk management framework, including risk register, compliance calendar and board reporting.
    • Served as Data Protection Officer, leading GDPR implementation including data mapping, DPIAs and internal training.
    • Led and developed the compliance team, embedding strong governance and risk culture within a fast-growing fintech.
    • Led the firm's PCI DSS Level 1 certification, working with engineering teams to implement secure data handling and storage controls.
    Payments / Fintech Fraud Prevention Risk Management Customer Due Diligence (KYC) Regulatory Compliance
Check out Kat's experience

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Education

  • Sociology
    University of Ljubljana
    2008
    Sociology
  • Enhancing Financial Inclusion with a Risk-Based Approach
    ACAMS
    2026
    Enhancing Financial Inclusion with a Risk-Based Approach
Check out Kat's education

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