Compliance Officer

Qover; Brussel; On-site; EUR 70,000 - 100,000; Full time

Job summary

Qover, a fast-growing pan-European InsurTech, seeks a Compliance Officer to help maintain and scale a robust compliance and privacy architecture across EU FSMA and UK FCA requirements.

Reporting to the General Counsel with a direct line to the CEO, you will lead governance, regulatory reporting, consumer protection, KYC and sanctions screening, and training within the LINC team, ensuring alignment with product and risk teams.

Qualifications

• Education: Master’s degree in Law; professional certifications are a plus (ICA CAMS, etc).
• 3–5 years of experience in a compliance role within Financial Services, FinTech or Insurance.
• Solid understanding of EU insurance distribution regulations (IDD, FSMA) and UK frameworks (FCA).
• Fluent English; French or Dutch an asset.

Responsibilities

• Governance: own and track day-to-day compliance tasks across internal stakeholders.
• Regulatory reporting: coordinate FCA RegData/Connect; FSMA filings and UK Companies House filings.
• Consumer protection: oversee Consumer Duty MI data pipelines and POG adherence.
• Financial crime: sanctions screening, KYC, SAR investigations with risk carriers.
• Compliance monitoring: QA audits on tickets and claims; support external audits.

Skills

Regulatory compliance

EU regulatory knowledge

English proficiency

UK regulatory awareness

Education

Master’s degree in Law

Tools

Jira

Confluence

Vanta

ComplyAdvantage

Job description

About Qover & The Role

Qover is a fast-growing, pan-European InsurTech scale-up pioneering embedded insurance. We orchestrate digital insurance programs across multiple territories, empowering leading digital platforms and enterprise partners to seamlessly offer coverage to their customers.

Operating in a dynamic, double-regulated framework, Qover is authorized and supervised as an insurance intermediary by both the Financial Services and Markets Authority (FSMA) in Belgium and the Financial Conduct Authority (FCA) in the UK.

Reporting directly to Qover’s General Counsel, with a direct channel to the CEO, you will serve as a core pillar of our LINC (Legal, Insurance & Compliance) team. In this role, you will help maintain, and scale a robust compliance and privacy architecture that supports Qover's commercial growth while navigating complex European (FSMA) and UK (FCA) regulatory requirements.

You will act as a proactive, autonomous problem-solver and pragmatic business partner across the organization, working closely with the Management Team, Product Owners, Operations, and external partners.

Main Tasks and Responsibilities

Compliance Governance & Monitoring

• Own, track, and execute day-to-day compliance governance tasks across all internal stakeholders
• Reporting & Strategy: Draft quarterly compliance roadmaps, retrospectives, and the annual Compliance Report for the General Counsel and Management Team. Organize and lead the quarterly Compliance Steerco
• Drafting, review and update of compliance policies

Regulatory Reporting & Relations (FSMA & FCA)

• FCA RegData & Connect Reporting: Coordinate and submit mandatory periodic reports (financials, complaints, Appointed Representatives) via FCA RegData and Connect platforms
• FSMA Compliance & Filings: Ensure ongoing compliance with FSMA intermediation requirements, maintain regulatory declarations, and handle exempted ancillaries declarations
• Corporate & Official Filings: Handle official UK Companies House filings (Annual Accounts paperback filings, Director appointments, and Personal Codes) and equivalent corporate maintenance.

Consumer Protection, POG & Fair Value

• Consumer Duty & MI Monitoring: Oversee monthly Consumer Duty MI data pipelines (leveraging automated Dust AI agents), analyze metrics across the FCA’s four outcomes, and drive operational improvements.
• Product Oversight & Governance (POG): Ensure all new and existing insurance products adhere to POG requirements, target market assessments, and distribution oversight standards.

Financial Crime, Sanctions Screening and KYC

• Sanctions Screening, PEPS and KYC ; advising on compliance requirements and identification of best tools and processes
• Suspicious Activity Reports : Lead internal investigations for suspicious patterns and collaborate with Risk Carriers on formal SAR declarations to authorities.

Compliance monitoring

• Compliance monitoring: Perform structured QA audits on Customer Care tickets and Claim files, drafting findings and implementation plans to continuously improve operational quality.
• External Audits: Support external audits conducted by Risk Carriers, supervisory authorities, or external partners.

Employee Training (including RDs and PCP)

• Training Management: Track mandatory continuous training hours for PCP and RD, and more broadly for employees and specific teams in contact with the public on specific topics such as vulnerable customers.

Sustainability & ESG

• EcoVadis certification: Oversee Qover’s EcoVadis sustainability assessment, annual game plan reassessment, and vendor ESG due diligence workflows.
• Carbon Footprint & Reporting: Manage the yearly carbon footprint data collection platform, draft the annual Sustainability Report, and support the internal Sustainability Committee.

Profile & Requirements

• Education: Master’s degree in Law. Any professional certification is a plus (such as ICA International Compliance Association diplomas, CAMS for financial crime, or local compliance institute certifications)
• Professional Experience: 3 to 5 years of professional experience in a compliance function within Financial Services, FinTech, or Insurance sectors. Experience as a standalone Compliance Officer, Compliance Specialist, or In-House Counsel is preferred. Direct experience in insurance is strongly preferred.
• Regulatory Expertise: Solid understanding of EU insurance distribution regulations (IDD, FSMA framework) and UK regulatory frameworks (FCA, Consumer Duty).
• Language Skills: Full professional proficiency in English (primary working language). Fluency in French or Dutch is a significant asset.
• Technical Aptitude: Comfortable working with AI agents, digital tools and compliance software (e.g., Vanta, ComplyAdvantage, Jira, Confluence).
• Mindset & Approach: Proactive, highly autonomous problem-solver who takes full ownership of compliance tasks with a "can-do" attitude.
  • Team spirit
  • Business-oriented and practical attitude, balancing risk mitigation with commercial enablement.
  • Highly structured, organized, and reliable in meeting tight regulatory deadlines.
  • Dynamic, curious, and eager to learn in a fast-evolving scale-up environment.
  • Strong team player with excellent written and verbal communication skills.

Culture & Tone

At Qover, compliance is core to our business proposition. You will join a dynamic, ambitious, and collaborative Insurance, Legal and Compliance team.

We value initiative, pragmatism, creativity in problem-solving but above all, we look for a colleague who will care and support its colleagues in meeting the mission of the company