Compliance Officer

Role Overview

We are seeking an experienced Compliance Officer to join our UK compliance function within an FCA‑authorised Electronic Money Institution on a 7 month fixed term basis with potential to move to full time / indefinite role. This is a senior compliance role, supporting the ongoing operation, oversight, and enhancement of the regulatory and financial crime framework across a fast‑growing payments and fintech business with cross‑border activities.

The role will work closely with the Head of Compliance & MLRO, providing hands‑on regulatory support across EMI, payments, safeguarding, AML/CTF, and conduct obligations.

Benefits:

Private Healthcare plan post probation.

Generous Pension Scheme.

Remote work allowance post probation beginning at 3 weeks in year 1 and increasing with tenure.

Additional special leave days such as extra day for birthday/moving home, extra days for marriage, graduation, citizenship ceremony.

Study and Exam Leave to further support career and educational growth.

Continuous Development Program sponsoring further education through courses and workshops.

Key Responsibilities

Regulatory Compliance

Monitor and support compliance with:

Electronic Money Regulations 2011

Payment Services Regulations 2017

Money Laundering Regulations 2017

Support regulatory change management and horizon scanning

Maintain, review, and enhance compliance policies, procedures, and frameworks

Provide regulatory advice and guidance to the business

Financial Crime Compliance (AML/CTF)

Support the AML/CTF framework in line with UK regulatory and National Crime Agency (NCA) expectations

Oversee customer risk assessments, transaction monitoring, and sanctions screening

Assist with Suspicious Activity Reports (SARs) preparation and submission

Support investigations and work closely with the MLRO on complex financial crime matters

Monitoring & Assurance

Conduct compliance monitoring reviews and thematic testing

Identify regulatory or control gaps and recommend remediation actions

Track, document, and report compliance issues, breaches, and remediation plans

Regulatory Engagement

Support FCA regulatory reporting and submissions

Assist with regulatory reviews, audits, visits, and information requests

Maintain logs of regulatory correspondence and regulatory interactions

Safeguarding & Conduct

Support safeguarding compliance for customer funds

Promote fair customer outcomes in line with Consumer Duty

Monitor complaints handling, conduct risks, and customer outcomes

Key Skills & Experience

Minimum 10 years’ UK compliance experience within:

Electronic Money Institutions

Payment Institutions

Fintech, remittance, or cross‑border payments businesses

Strong, hands‑on knowledge of the UK FCA regulatory framework

Extensive experience across EMI / payments / safeguarding

Solid understanding of AML/CTF, sanctions, and financial crime controls

Strong analytical skills and attention to detail

Ability to explain complex regulatory issues clearly and pragmatically

Comfortable working in a regulated, fast‑moving environment

Qualifications

Degree in Law, Finance, or a related discipline (preferred)

Professional compliance qualifications desirable (e.g. ICA, ACAMS)