Chief Compliance Officer

- Ensure full compliance with Luxembourg and EU regulatory requirements applicable to payment institutions

- Implement and maintain compliance policies, procedures and the compliance monitoring plan

- Lead all regulatory reporting and manage supervisory interactions with the CSSF

- Translate regulatory developments (PSD3, AMLR, DORA, GDPR) into concrete operational implementation

- Act as the institution's Authorised Manager (dirigeant agréé) with the CSSF where required

- Oversee the AML/CFT framework in accordance with Luxembourg law and CSSF Regulations

- Supervise KYC/KYB processes and transaction monitoring

- Manage suspicious transaction reporting (STRs) to the competent authorities

- Conduct annual AML risk assessments and lead staff training programmes

- Build and maintain the compliance function as a second line of defence

- Prepare regular compliance reporting to the Executive Committee and Board

- Oversee outsourcing governance from a compliance perspective

- Manage relationships with external auditors, legal counsel and regulators

- Minimum 8–10 years of experience in compliance within a regulated financial institution (payment institution, e-money institution, bank or regulated fintech)

- Proven experience interacting directly with the CSSF and holding or being eligible for an Authorised Manager mandate

- Strong knowledge of the Luxembourg regulatory framework: Law of 10 November 2009 (PSD2), Law of 12 November 2004 (AML/CFT), CSSF Circulars 12/552, 22/806 and 20/750, 26-906

- Solid grasp of the European framework: PSD2/PSD3, EBA Guidelines (Internal Governance, ML/TF Risk Factors), DORA and GDPR

- Experience in licence applications or regulatory remediation is a strong plus

- Ability to build and operate a compliance function independently in a scaling environment

- Excellent communication skills and ability to engage with Board-level stakeholders

- Fluent English required; French considered a strong asset