Risk and Compliance Officer

Zepz; Belgique; Remote; EUR 85,000 - 110,000; Full time

Benefits offered by this job

Unlimited annual leave

Healthcare benefits

Employee discounts

Remote-first culture

Job summary

Zepz Belgium seeks a dedicated second line of defense professional to manage day-to-day risk and compliance controls. You will monitor, test, and report on controls, coordinating with the Head of Risk & Compliance to safeguard operations.

You will own regulatory reporting calendars, assist with policy drafting for Belgium, and monitor EU regulations with a view to maintaining strong compliance posture. This role embraces a remote-first setup and cross-border collaboration.

Qualifications

• Experience in control testing, auditing, and gap analysis.
• Strong organizational, record-keeping, and tracking abilities.
• Foundational knowledge of DORA and operational resilience.

Responsibilities

• Execute day-to-day risk and compliance monitoring and testing; report findings to Head of Risk & Compliance.
• Oversee Operational Risk and Internal Controls with focus on ICT risk under regulatory frameworks.
• Track remediation actions from audits and regulatory reviews; support policy embedding in Belgium.
• Maintain Belgium Regulatory Reporting Calendar; draft Belgium-specific addenda; horizon scan EU regs.

Skills

Control testing

Compliance auditing

Gap analysis

Organizational skills

DORA knowledge

Operational resilience

Job description

Join Zepz: Breaking Down Borders, Together

Our Meaningful Mission

At Zepz, we're all about breaking down barriers for our customers and our teammates. Our purpose is deeply personal, we provide a lifeline and deliver opportunities to cross-border communities that need it most through cutting edge finance and tech. Zepz is the power behind WorldRemit and Sendwave, driven by the mission to celebrate the incredible impact migrants have, both at home and abroad. We're not just moving money; we're building a world that truly recognizes and supports global connections.

Who You'll Be Joining

We look for mission-driven builders who thrive in a fast-paced environment connected to a true purpose. We’re an always developing team of experts that enjoy problem solving and bring clarity to tough challenges. At Zepz, we are Relentless Learners, always seeking feedback, and Responsible Owners, treating company resources like your own. We depend on Transparent Communicators who keep the team aligned through open, honest talk.

Our Core Commitments — What We Live By

Our vibrant and truly diverse culture is built on three core commitments, that guide how we work and interact:

• Integrity:We always do the right thing. It’s simple, but it’s the foundation of everything we build for our customers and each other.
• Outcomes:We work for our customers. Their success and prosperity are the results we focus on delivering.
• Velocity:We are fast! We maintain high energy levels and make smart decisions quickly, keeping us nimble and ahead of the curve.

Perks of Joining Our Team

We believe in empowering colleagues because we genuinely trust our team. Our culture is founded on this high trust, which naturally encourages the high ownership that drives us to meet our shared high expectations and deliver high performance.

Our remote-first culture means you have the flexibility to work in your employing country wherever you feel the most focused and productive. This freedom comes with wonderful tailored, location-specific perks designed to support your whole life, not just your work. Think unlimited annual leave, great healthcare benefits, and employee discounts. We want you to thrive and focus entirely on making your biggest impact! In turn, we expect you to bring high ownership and commitment to your work. This is a place where we value trust and high performance, and we’ll provide the environment and support needed for you to excel.

About the Role

A crucial support role within the second line of defense, responsible for the day-to-day execution, tracking, and auditing of local risk and compliance controls.

Responsibilities: Core Risk Management & Internal Controls

• Execute day-to-day risk and compliance monitoring and control testing, reporting key findings directly to the Head of Risk & Compliance.
• Lead second-line oversight of Operational Risk and Internal Controls, with a heavy focus on ICT Risk oversight under DORA regulations, outsourcing and Safeguarding.
• Track and drive remediation actions arising from internal audits, regulatory findings, and external reviews.
• Support the local implementation and embedding of group risk and compliance policies across the Belgian entity.

Regulatory Governance & Policy Ownership

• Own and maintain the Belgium Regulatory Reporting Calendar to ensure timely regulatory submissions.
• Contribute to global compliance policies while drafting and owning Belgium-specific addenda
• Perform continuous regulatory horizon scanning for new or amended regulations across the EEA, assessing their impact and adapting existing control frameworks accordingly.

Domain Compliance & Conduct

• Ensure compliance with EU Funds Transfer Regulations (EU 2015/847), consumer protection standards, and conduct of business requirements (including marketing material reviews).
• Conduct second-line oversight and manage regulatory reporting related to safeguarding funds.
• Manage local whistleblower complaints and protection mechanisms, including investigations into ML/TF matters, misuse of group resources, or internal policy breaches.

Skills :

• Solid understanding of control testing methodologies, compliance auditing, and gap analysis.
• Highly methodical with excellent organizational, record-keeping, and tracking skills.
• Foundational understanding of DORA, and operational resilience.

AI Literacy & Tools

As Zepz continues to build AI into how we work, we expect everyone to engage with it as a core part of their role. For this position we are looking for:

• A genuine curiosity about AI and how it can be applied in your area of work — from accelerating analysis and insight generation, to improving how we design and deliver processes and communications.
• Practical experience using AI tools in a professional context— whether to connect information, draft content, build frameworks, or create insights from data. We want people who actively use AI to increase productivity, not those who are waiting to be told to.
• Strong AI literacy — an understanding of what AI assistants can and cannot do, how to prompt effectively, and how to critically evaluate AI-generated output before using it.
• Awareness of the ethical considerations and responsible use of AI in the workplace, particularly in the context of sensitive data, customer experience, and compliance.
• Prior experience using Claude (Anthropic) is a nice-to-have but not essential— what matters most is that you are genuinely engaged with AI as a tool, comfortable experimenting, and eager to share what works with your wider team

If you want to join us in our journey to help break barriers in financial access and improve lives globally, there's no better place or time to join.

Our global team of 800+ people is spread across six continents. We aspire to hire the best mix of people from former Olympians to YouTube influencers and we speak over twenty languages. This incredible diversity isn't a bonus; it's the engine that lets us serve the world.