Deputy Risk and Regulatory Compliance Officer

Location: London (Office based role)

If you’re a Senior Risk and regulatory Compliance Officer in a PSP, Commercial Banking EMI, or professional legal services / consulting firm, offering consulting services to PSP's in UK/Europe environment and feel you’ve reached a plateau; this could be the step up you’ve been looking for. Viva.com is one of Europe’s most innovative payment service providers and a technologically advanced Electronic Money Institution—scaling fast, operating in a complex regulatory landscape, and investing heavily in modern compliance. We’re looking for a high-potential compliance professional ready to broaden their risk and regulatory exposure and grow into a Deputy Risk & Regulatory Compliance Officer role, supporting a forward-leaning team where you can make a visible impact.

Why Viva.com:

Viva.com is Europe’s first acquirer powering merchant payments acceptance across 24 countries and over 1,215 devices. In the UK, Viva.com operates as an E-Money Institution authorised by the Financial Conduct Authority (FCA), offering an omnichannel payments platform that empowers businesses of all sizes to accept and manage payments — in-store, online, or on the go.

Viva.com leads in Tap on Any Device technology, offers a high-conversion Smart Checkout for online payments, and provides a robust marketplace solution, enabling flexible, scalable, and future-proof payment journeys tailored to every business model. All technology is built in-house on Microsoft Azure, ensuring speed, security, and innovation at scale.

Through its direct connections to local payment schemes and alternative payment methods, Viva.com supports 40+ payment options. Key features include Real-Time Settlement, Offline Payments, acceptance fees as low as 0% with the use of Viva.com’s business debit card, and Merchant Advance.

With a growing ecosystem of 450+ tech partner-innovators, Viva.com is leading the shift to All-in-One business solutions, empowering merchants to adopt cutting-edge technology seamlessly and scale their business with ease.

What you will do:

As Deputy Risk and Regulatory Compliance Officer, reporting to the UK Head of Regulatory Compliance. You will support and help further develop viva.com's UK internal governance system, and to focus on compliance with relevant legislative / regulatory requirements for viva.com UK as an e-money firm. More specifically you will:

• Deputise for the Head of Regulatory Compliance in all matters, when required.
• Take ownership of material regulatory risks and projects and ensure that these are being managed in accordance with best practice and within risk tolerance;
• Ensure compliance with all regulations applicable to viva.com UK and other legislative/regulatory requirements, including best practices of corporate governance;
• Keep abreast of new and existing regulatory rules and initiatives that are relevant to Viva.com in the UK, and inform the business and management of regulatory changes ad expectations;
• Help to design and build out KPI’s and metrics to ensure that regulatory risks are tracked and monitored and that any issues / non-compliance is identified in a timely manner;
• Maintain effective relationships with internal and external stakeholders of all levels in order to provide them with appropriate governance and compliance advice;
• Take ownership of the Compliance Monitoring Plan which would cover all aspects of Compliance for the UK business (e.g. outsourcing / safeguarding / Consumer Duty etc);
• Take ownership of the regulatory reporting calendar to ensure that all regulatory reporting is executed in a timely manner and effectively;
• Ad-hoc duties in the production of agenda items for the UK Risk Committee and Board as required;
• Participate in the regular review of governance processes including analysing existing processes, recommending and implementing changes, documenting new processes and procedures to support compliance, continuous improvement and adoption of innovative governance practices;
• Drive changes in policies and processes within the business to ensure that they reflect the key tenets of the Consumer Duty and put customers at the heart of what we do;
• Deal with ad-hoc queries as requested by the Head of Compliance.
• Help to mentor, develop and upskill junior members of the team.

Requirements:
To be considered for Deputy Regulatory Compliance Officer you should have:

• In-depth experience of compiling / reviewing risk and or regulatory compliance processes;
• The ability to work well both independently and in a team environment, including senior management, in an intense, fast-paced environment.
• Successfully managed multiple projects within tight deadlines;
• Exceptional stakeholder, presentation and interpersonal skills;
• The ability to take ownership of the full compliance plan and deliver end to end;
• Extensive experience of building / enhancing regulatory management Information and data analysis / reporting;
• The skills to craft and innovate processes and policies;
• A thorough understanding of the legal and regulatory frameworks applicable to a payments (merchant acquiring / issuing) / e-money firm and government policies of financial institutions;
• Proven analytical, planning, problem-solving and decision-making skills;
• A minimum of seven (7) years of overall similar previous experience either working for a PSP, Commercial Banking EMI, or professional legal services / consulting firm, offering consulting services to PSP's in UK/Europe, of which at least two (2) in a senior professional position;
• Be highly competent in the use of Microsoft Office applications (Excel, Word, Powerpoint etc);
• Fluency in English (written and spoken);

Benefits:
• Highly competitive annual salary.
• Personal performance bonus of up to 4 monthly salaries per annum.
• Pension.
• 25 Days holiday rising to 30 with service (plus 8 Bank Holidays).
• New Mothers Maternity Scheme - 20 weeks of full pay maternity leave.
• The opportunity to step up into a Deputy to Head of Function with one of Europe's fastest growing FinTech organisations.
• Working closely with a highly motivated team in a dynamic and fast- paced multinational environment.