Compliance Officer (Regulatory Focus), E-Money & Payments

The role

This person will own the e-money and payments regulatory workstreams for the EEA and UK. They will perform regulatory drafting, analysis, and manage safeguarding frameworks and post-authorisation obligations.

What you will do

• Manage EEA EMI regulatory workstream including governance, internal control system descriptions, policies, and regulator correspondence
• Manage UK EMI regulatory workstream with the FCA regarding governance and safeguarding
• Own the safeguarding framework including method, segregation, reconciliation, and breach reporting
• Implement and evidence EU Payment Institution (PSD2) licence obligations
• Perform regulatory assessment of payment products, payment-flow changes, and outsourcing
• Conduct gap analyses, thematic reviews, remediation plans, and control verification

Required qualifications

• 5+ years in regulatory compliance including authorisation, licensing, policy and governance drafting
• 3+ years inside an EEA or UK e-money or payment institution authorised by a national competent authority
• Hands-on experience of an e-money or payments authorisation framework taken through submission and regulator review
• Experience personally drafting governance/ICS narratives, policies or safeguarding documentation for an authorisation file
• Experience drafting or owning a safeguarding framework
• Working knowledge of EMD2/PSD2 and the UK e-money and payments regime
• Working knowledge of DORA, AMLD/FATF standards, sanctions, outsourcing and governance requirements
• Ability to navigate primary legislation and guidance independently
• Fluent professional English with excellent written drafting
• European engagement location with a minimum four-hour overlap with the European working day

Nice to have

• An authorisation granted on a file you drafted
• Safeguarding audit experience, including remediation of a qualified opinion
• Payment-system access or SEPA scheme adherence handled from the compliance side
• Genuine crypto exposure alongside payments (MiCA/CASP)
• Awareness of PSD3/PSR and the AMLA/AMLR transition
• ICA Diploma in GRC, CAMS or comparable

Benefits

• Remote-first with high autonomy
• Medical insurance
• L&D budget
• Performance-based financial bonus
• English classes
• Regular team-building activities

About the company

The client is a global fintech operating at the intersection of crypto and traditional payments. It is self-funded with a distributed team across Europe, Ukraine and the US.