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. 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.

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.

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.

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.

- 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.
- Fluent professional English with excellent written drafting.
- Safeguarding audit experience, including remediation of a qualified opinion.

Payment-system access or SEPA scheme adherence handled from the compliance side.

Remote-first with high autonomy and minimal micromanagement.

Direct collaboration with the Global Chief of Compliance and senior leadership.

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

A growing General Compliance Team where senior expertise is trusted and heard.

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📌 Senior Compliance Officer Con Inglés (España)
🏢 OnHires
📍 España