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

Remote | Europe | E-Money & Payments Regulation (EMI/PSD2) | B2B Contract

About the Client

Our client is a global fintech operating at the intersection of crypto and traditional payments. It builds products that help people and businesses buy, sell, and exchange cryptocurrency, serving millions of customers across 180+ countries. It is self-funded, with a distributed team across Europe, Ukraine and the US.

It holds a MiCA CASP authorisation and a Payment Institution (PSD2) licence in the EU, one of a small group in Europe holding both, alongside US and Canadian registrations. Two EMI authorisations are now in flight.

About the Role

This role owns the e-money and payments side of the regulatory pipeline: live EMI regulatory workstreams in the EEA and the UK (FCA), the safeguarding framework at the centre of both, and the post-authorisation obligations.

You report to the Global Chief of Compliance. The core of the work is regulatory drafting and analysis: governance and safeguarding narratives, internal control system descriptions, policies and procedures, regulatory gap analyses and responses to regulators, written independently and defensible under regulatory challenge. This is not an MLRO or transaction-monitoring role; day-to-day AML operations sit with the MLRO and the analyst team.

What You’ll Own

EEA EMI regulatory workstream with the national regulator: governance and internal control system descriptions, policies and procedures, own funds and wind-down documentation, regulator correspondence and RFI cycles

UK EMI regulatory workstream with the FCA: governance, safeguarding under the FCA’s current safeguarding rules, and the AML governance narrative for the file

The safeguarding framework across both perimeters: method, segregation, reconciliation and evidence, breach reporting, audit readiness

Post-authorisation implementation and evidencing of the EU Payment Institution (PSD2) licence and its obligations

Regulatory assessment of payment products, payment-flow changes, agent and distributor arrangements, and outsourcing

Gap analyses, thematic reviews, remediation plans, and verification that approved controls operate in practice

Must Have

5+ years in regulatory compliance (authorisation, licensing, policy and governance drafting), including 3+ years inside an EEA or UK e-money or payment institution authorised by a national competent authority. Operational AML or transaction-monitoring experience alone does not meet this requirement

Hands-on experience of an e-money or payments authorisation framework (EEA EMI/PI under EMD2/PSD2, or UK EMRs/PSRs), taken through submission and regulator review

You have personally drafted governance/ICS narratives, policies or safeguarding documentation for an authorisation file, and can name the regulator and what it pushed back on

Safeguarding: you have drafted or owned a safeguarding framework and can explain method, reconciliation and evidence

Working knowledge of EMD2/PSD2 and the UK e-money and payments regime: authorisation conditions, own funds, agents and distributors, outsourcing, wind-down

Working knowledge of DORA, AMLD/FATF standards, sanctions, outsourcing and governance requirements

Ability to navigate primary legislation and guidance independently, and to tell mandatory requirements apart from risk appetite

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

What We Offer

Remote-first with high autonomy and minimal micromanagement

Direct collaboration with the Global Chief of Compliance and senior leadership

Work on one of Europe’s most interesting regulatory portfolios: MiCA CASP and PI already granted, with UK and EU applications in the pipeline

Your drafting goes straight to regulators, so your impact is real and visible

Self-funded, stable company without investor pressure

Medical insurance, L&D budget, performance-based financial bonus, English classes, regular team-building activities

Fintech and crypto domain: technically and legally complex, always evolving

A growing Global Compliance Team where senior expertise is trusted and heard