Legal & Compliance Officer (InsurTech)

Qover; Brussel; On-site; EUR 90,000 - 130,000; Full time

Job summary

Qover is seeking a legally trained compliance professional to drive regulatory strategy, FSMA/FCA governance, and corporate compliance. The role is advisory and regulatory, not operational/KYC processing.

Reporting to the General Counsel with a direct line to the CEO, you will help scale the LINC team and ensure compliance architecture across EU and UK regimes while enabling business growth.

Qualifications

• Master’s degree in Law or equivalent professional qualification.
• Fluent English required; French or Dutch is a plus.
• Experience in compliance within Financial Services, FinTech, or Insurance sectors.
• Strong regulatory understanding of EU/UK regimes (IDD, FSMA, FCA).
• Experience with AI-assisted tooling and compliance software is a plus.

Responsibilities

• Own and monitor day-to-day compliance governance across internal stakeholders.
• Draft quarterly compliance roadmaps, retrospectives and annual Compliance Report.
• Draft and update compliance policies and procedures.
• Coordinate FCA RegData/Connect reporting and FSMA filings.
• Oversee Consumer Duty, POG, and product governance requirements.
• Lead KYC, sanctions screening and SAR investigations as needed.
• Support external audits and compliance monitoring initiatives.
• Provide training to staff on regulatory topics.

Skills

English (professional)

French

Dutch

Education

Master’s degree in Law

Tools

Jira

Confluence

Vanta

ComplyAdvantage

Job description

Qover is seeking a legally trained compliance professional (BA/Master in Law required) to drive regulatory strategy, FSMA/FCA governance, and corporate compliance. Note: This is an advisory & regulatory role, not an operational/KYC transaction processing role.

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