FinTech Specialist – Payments, Digital Assets & Innovative Investments Supervision (FinTech) Department

The Bermuda Monetary Authority (Authority or BMA) is seeking the services of a skilled and experienced individual to work as a FinTech Specialist - Payments, Digital Assets & Innovative Investments in the Supervision (FinTech) Department.

Reporting to the Assistant Director, the FinTech Specialist – Payments, Digital Assets & Innovative Investments will be responsible for supporting the design, implementation and operationalisation of regulatory frameworks across payments, digital assets and innovative investment activities, as well as the licensing and supervision of operators in these sectors.

The postholder will bring a strong practical understanding of how modern financial products, FinTech business models and technology-enabled financial services are designed and operated, helping ensure that the Authority’s regulatory and supervisory approach is informed by market developments, product economics, technology and associated risks.

Candidates with practical experience in the FinTech or financial services industry and/or specialist experience within a financial regulatory authority are particularly encouraged to apply. Relevant backgrounds may include product, strategy, operations, payments, digital assets, investment technology, capital markets, risk or regulatory innovation.

• Conducting research and analysis on emerging technologies, products and business models across payments, digital assets and innovative investments, including digital wallets, cross-border payments, stablecoins, tokenised securities, alternative investment products, robo-advisory, digital custody and AI-enabled financial services

• Providing specialist input on the business models, product economics, technology, operational arrangements and risks of payment, digital asset and innovative investment operators and products

• Assessing how innovative financial products and services operate in practice, including transaction and settlement flows, custody and safeguarding, funding and liquidity arrangements, third-party dependencies and the allocation of risks between firms and customers

• Identifying emerging regulatory and policy needs and contributing to the design, implementation and enhancement of regulatory frameworks, informed by international developments and industry practice

• Leading engagement with industry participants, technology providers, industry bodies and other regulators to support the development, implementation and understanding of the Authority’s regulatory frameworks

• Preparing reports and recommendations to senior management on emerging FinTech products, technologies and business models and their associated regulatory, prudential, conduct and operational risks

• Acting as a subject matter expert and providing specialist advice across the Authority on payments, digital assets and innovative investments

• Conducting supervisory reviews and meetings and assessing FinTech businesses against applicable regulatory requirements, including their business models, governance, financial resources, risk management and operational arrangements

• Assessing licensing applications from FinTech entities and providing risk assessments and recommendations to management

• Critically assessing innovative financial products, including their structure, economics, customer proposition, risk-return characteristics, target market and operational arrangements

• Leveraging AI tools to strengthen research and analysis and improve the efficiency and quality of regulatory and supervisory work

• Performing other related work and special projects as assigned by management.

• A master’s degree in business, finance, economics, accounting, law, technology or a related discipline, or an equivalent combination of relevant professional qualifications and substantial industry experience. A relevant postgraduate or professional qualification would be an advantage

• A minimum of seven (7) years of relevant professional experience, including at least three (3) years at a senior or specialist level within a FinTech, financial services or technology business, professional/advisory firm and/or financial regulatory authority

• Deep subject matter expertise in at least one of payments, digital assets or innovative investments, together with sufficient knowledge and adaptability to work across the broader FinTech landscape

• Strong practical understanding of how FinTech products and businesses operate, including experience in areas such as product development and strategy, payments infrastructure, digital assets, investment platforms, capital markets, risk management, technology, operations or regulatory strategy

• Working knowledge of relevant international regulatory frameworks and standards applicable to payments, digital assets and/or investment-related FinTech

• Demonstrated ability to analyse financial products, business models and infrastructure, which may include payment and settlement systems, stablecoins, digital assets and custody, tokenised securities, structured or alternative investment products, digital investment platforms and DLT-based models

• Ability to critically assess business models, product economics, customer propositions, technology, financial and operational risks, scalability and operational resilience

• Excellent analytical, research, writing and communication skills, with the ability to translate complex financial, technological and regulatory matters into clear supervisory insights and recommendations

• Ability to engage effectively with senior executives, technical specialists, product teams, regulators and other stakeholders and constructively challenge complex products, business models and risk-management arrangements

• Proficiency in using AI tools to support research, analysis and regulatory and supervisory work

• Proven ability to work independently and collaboratively across multidisciplinary teams, with excellent attention to detail

The Bermuda Monetary Authority is the integrated regulator of Bermuda’s financial services sector. The position provides broad exposure to international regulatory developments, emerging financial technologies, innovative business models, special projects and a diverse range of regulatory and supervisory work.

The role provides an opportunity for experienced industry practitioners to apply their commercial, financial and technical knowledge in a regulatory environment, as well as for experienced regulatory professionals to deepen their specialisation in rapidly developing areas of financial services innovation.

If you are looking for a challenging opportunity in a team environment, we invite you to submit your application online via our ‘Careers at BMA’ page on www.bma.bm/vacancies. Applications for this position must be received no later than 23 October 2026.

BMA House | 43 Victoria Street, Hamilton HM 12 | careers@bma.bm | (441) 295 5278