Compliance Officer, Regulatory Focus – E-Money & Payments

This is a fully remote position, open to applicants in Europe.

📋 Description

• Take ownership of the EEA EMI regulatory workstream with the national regulator, which includes governance and descriptions of internal control systems, policies and procedures, own funds and wind-down documentation, as well as regulator correspondence and RFI cycles.

• Manage the UK EMI regulatory workstream with the FCA, focusing on governance, compliance with current FCA safeguarding regulations, and the AML governance narrative.

• Oversee the safeguarding framework across both regulatory jurisdictions, encompassing methods, segregation, reconciliation, evidence, breach reporting, and audit preparedness.

• Implement and demonstrate compliance with post-authorisation obligations associated with the EU Payment Institution (PSD2) license.

• Conduct regulatory evaluations of payment products, modifications in payment flows, agent and distributor agreements, and outsourcing arrangements.

• Perform gap analyses, thematic reviews, and develop remediation plans, ensuring that approved controls function effectively in practice.

• Generate regulatory documentation and analysis that can withstand regulatory scrutiny.

• Report directly to the Global Chief of Compliance.

⛳️ Requirements

• Minimum of 5 years of experience in regulatory compliance (including authorisation, licensing, policy, and governance documentation), with at least 3 years within an EEA or UK e-money or payment institution approved by a national competent authority.

• Practical experience with an e-money or payments authorisation framework (EEA EMI/PI under EMD2/PSD2, or UK EMRs/PSRs) from submission through regulator review.

• Proven track record of personally drafting governance/ICS narratives, policies, or safeguarding documentation for an authorisation file.

• Experience in drafting or managing a safeguarding framework, including methods, reconciliation, and evidence requirements.

• Proficient understanding of EMD2/PSD2 and the UK e-money and payments landscape.

• Familiarity with DORA, AMLD/FATF standards, sanctions, outsourcing, and governance obligations.

• Ability to independently navigate primary legislation and guidance while distinguishing between mandatory requirements and risk appetite.

• Fluent in professional English with outstanding writing and drafting skills.

• Must be located in Europe with a minimum of four hours of overlap with the European working day.

🏝️ Benefits

• Remote-first work environment that promotes high autonomy and minimal micromanagement.

• Direct collaboration opportunities with the Global Chief of Compliance and senior leadership.

• Medical insurance coverage.

• Learning and Development budget for professional growth.

• Performance-based financial bonuses.

• English language classes available.

• Regular team-building events.

• A self-funded, stable organization with no pressure from investors.