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

As a Compliance Officer specializing in e-money and payments regulation, you will play a key role in managing regulatory authorizations, safeguarding frameworks, and ongoing compliance obligations across European and UK markets. You will work closely with senior compliance leadership to prepare robust regulatory submissions, develop governance documentation, and ensure payment activities meet evolving legal and supervisory requirements. Operating at the intersection of fintech, cryptocurrency, and traditional payments, you will contribute to complex regulatory initiatives with significant business impact. You will take ownership of regulatory analysis, policy drafting, regulator correspondence, and the implementation of effective internal controls. In this remote-first environment, your expertise and written work will directly support regulatory engagement and the organization's ability to expand its payments capabilities. This opportunity is ideal for an experienced regulatory compliance professional who values autonomy, technical depth, and meaningful responsibility within an international fintech team.

• At least 5 years of professional experience in regulatory compliance, authorization, licensing, policy development, or governance drafting, including a minimum of 3 years working within an EEA or UK-authorized electronic money institution or payment institution.

• Demonstrated hands-on experience with an e-money or payments authorization framework, such as EEA EMI or Payment Institution authorization under EMD2/PSD2, or the UK Electronic Money Regulations and Payment Services Regulations, including participation in regulatory submissions and supervisory review.

• Proven ability to personally draft governance and internal control system narratives, regulatory policies, procedures, or safeguarding documentation for an authorization application.

• Practical experience engaging with a national competent authority or the FCA, including the ability to explain regulatory feedback, supervisory challenges, and how issues were addressed during the authorization process.

• Strong expertise in safeguarding requirements, including the development or ownership of safeguarding frameworks, fund segregation methodologies, reconciliation processes, evidence management, breach reporting, and audit preparation.

• Working knowledge of EMD2, PSD2, UK electronic money and payment services regulations, authorization conditions, own funds requirements, agent and distributor arrangements, outsourcing, and wind-down planning.

• Familiarity with the Digital Operational Resilience Act (DORA), relevant Anti-Money Laundering Directives (AMLD), Financial Action Task Force (FATF) standards, sanctions requirements, outsourcing obligations, and governance expectations.

• Ability to independently interpret primary legislation and regulatory guidance, assess applicability, and translate legal requirements into clear, actionable internal controls and documentation.

• Excellent written and spoken professional English, with exceptional drafting skills and the ability to produce clear, precise, and regulator-ready documentation.

• Strong analytical, organizational, and problem-solving skills, with the ability to manage multiple regulatory workstreams and deliver high-quality work independently.

• A proactive and detail-oriented approach, with sound judgment, accountability, and confidence working with senior compliance stakeholders in a complex regulatory environment.

• Residence or professional engagement location within Europe, with availability for at least four hours of overlap with the European working day.

• Experience contributing to an authorization application that ultimately resulted in regulatory approval.

• Experience supporting safeguarding audits, including the remediation of a qualified audit opinion.

• Experience managing payment-system access or SEPA scheme adherence from a compliance perspective.

• Familiarity with cryptocurrency regulation, including the Markets in Crypto-Assets Regulation (MiCA) and Crypto-Asset Service Provider (CASP) requirements.

• Awareness of upcoming regulatory developments, including PSD3, the proposed Payment Services Regulation (PSR), and the transition to the Anti-Money Laundering Authority (AMLA) and Anti-Money Laundering Regulation (AMLR) framework.

• Relevant professional qualifications, such as the ICA Diploma in Governance, Risk and Compliance (GRC), Certified Anti-Money Laundering Specialist (CAMS), or an equivalent qualification.