Senior Compliance Officer (Regulated Crypto & Payments)

The company is looking for an experienced Senior Compliance Officer to strengthen the Global Compliance team and report directly to the Global Chief Compliance Officer.

Core Responsibilities:

• Contribute to licence applications and regulatory projects, including programmes of operations, business plans, AML/CFT frameworks, safeguarding, governance, and outsourcing descriptions.
• Build regulatory requirement matrices and application document maps; own evidence collection and document control.
• Prepare and coordinate responses to RFIs and comments from regulators, external counsel, and consultants.
• Draft, review, and maintain policies, procedures, methodologies, risk assessments, and control descriptions.
• Track the implementation of regulatory commitments post-submission and verify that controls operate in practice.
• Advise on new products, partners, jurisdictions, outsourcing arrangements, and business model changes.
• Review and advise on complex AML, sanctions, CDD/KYB, and transaction monitoring escalations.
• Monitor regulatory developments, assess their impact, and translate them into changes to policies, processes, and controls.
• Run gap analyses, thematic reviews, and risk assessments; coordinate remediation of findings and breaches.
• Support regulatory reporting, notifications, audits, and inspections.
• Provide compliance guidance and training to the business.

Key Requirements:

• 5+ years of regulatory compliance experience, including 3+ years in regulated payments, e-money, cryptoassets, or a closely comparable fintech environment.
• Hands-on drafting of regulatory application materials, policies, or AML/CFT frameworks, with clear ownership of the content.
• Knowledge of at least one authorisation framework: UK EMI/payment services, UK MLR cryptoasset registration, EEA EMI/PI, MiCA/CASP, or Jersey VASP.
• Practical understanding of differences between EMI/PI, CASP/VASP, and AML registration perimeters.
• Ability to navigate primary legislation and regulatory guidance independently.
• Working knowledge of AMLD/FATF standards, sanctions, outsourcing, and governance requirements.
• Understanding of transaction monitoring, sanctions screening, blockchain analytics, and case management controls.
• Experience with tools like Sumsub, ComplyAdvantage, Scorechain, or Fireblocks.
• Experience with SAR/STR reporting governance and independent filing.
• Fluent professional English with excellent written drafting skills.
• Ability to work independently within European business hours and occasional travel to the EU office.

Nice to Have:

• Experience preparing or coordinating EEA/UK regulatory applications through submission, RFI, and decision stages.
• Background in an authorised EMI, PI, CASP, VASP, or other regulated financial institution.
• Business-wide risk assessments, customer risk methodologies, safeguarding, and outsourcing documentation.
• Managing regulatory RFIs, audits, inspections, interviews, and application trackers.
• Experience in a business combining cryptoasset and payment services across B2C and B2B.
• Background in a regulator, specialist regulatory consultancy, or law firm with in-house implementation experience.
• Knowledge of DORA, operational resilience, data protection, and regulatory reporting.
• Degree in law, finance, economics, or risk/compliance; certifications like CAMS, ICA, or CGSS.

Unique Aspects of the Role:

• Focus on authoring regulatory work rather than administering it.
• Direct exposure to regulators, counsel, and senior leadership across parallel licensing applications.
• Work with ambiguous and evolving facts, maintaining high evidentiary standards and constructive stakeholder engagement.
• Opportunity to build the company’s regulatory project and documentation capability.

Working Environment:

• Remote or hybrid within an approved European location.
• Minimum 4-hour overlap with the European working day.
• Direct reporting to the Global Chief Compliance Officer.
• Daily collaboration with Compliance/AML colleagues and regular interaction with Legal, Product, Operations, Finance, Risk, and Security teams.
• Weekly prioritisation meetings and workstream check-ins.
• Occasional travel to the company’s EU office.