[Hiring] Compliance Officer @OnHires

Role Description

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

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

Qualifications

• 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

Requirements

• 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

Benefits

• 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