Compliance Manager

ID Finance; Barcelona; Hybrid; EUR 60,000 - 90,000; Full time

Benefits offered by this job

Private health and dental insurance

Discounted gym membership

Freedom to work from home two days a週

Free fruit and snacks in the office

Team building activities and an intl.）

Job summary

ID Finance is seeking a seasoned Compliance & AML lead to oversee the company’s AML framework, regulatory compliance, and SEPBLAC obligations. You will coordinate regulator interactions, manage audits, risk assessments and remediation plans, and provide guidance to senior management.

The role requires 6+ years in compliance/AML, a Law degree, fluency in Spanish and English, and strong stakeholder management in fintech/payments.

Qualifications

• Deep knowledge of AML/CTF, sanctions, regulatory risk and AMLA framework.
• Understanding of payments/fintech/banking environments and regulatory reporting.
• Experience in risk assessments, mapping, gap analyses and governance.

Responsibilities

• Design, manage and advise on compliance matters, including AML/CTF and GDPR.
• Act as main regulator contact for compliance and AML, coordinating requests and reporting.
• Monitor new AML regulatory requirements and update policies, processes and controls.
• Develop risk maps, risk assessments and regulatory gap analyses; identify remediation actions.
• Implement and monitor compliance policies and controls, including KYC/KYB and transaction monitoring.
• Coordinate external audits and remediation of findings.
• Prepare compliance reporting for senior management and support regulatory readiness projects.

Skills

AML/CTF knowledge

Regulatory risk management

Stakeholder management

Regulatory reporting

Regulatory audits

Governance

Education

Law degree

Compliance certification (nice to have)

Job description

ROLE PURPOSE

Responsible for overseeing the Compliance and AML framework, ensuring compliance with applicable regulations and the company’s governance standards. Act as key point of contact with regulators, overseeing AMLA requirements, regulatory reporting and SEPBLAC obligations. Provide Compliance and AML reporting and advice to senior management and the Board. Oversee regulatory audits, risk assessments, gap analyses, and remediation plans.

PRIMARY RESPONSIBILITIES

• Design, manage and advise on compliance matters, including AML/CTF, Sanctions, regulatory risk, GDPR and other applicable regulations, ensuring compliance with regulatory requirements.
• Act as main point of contact with regulators on compliance and AML matters, coordinating regulatory requests, communications and reporting, including SEPBLAC reporting obligations.
• Monitor and implement new AML regulatory requirements, ensuring timely adaptation of policies, processes and controls.
• Develop and maintain compliance risk maps, risk assessments and regulatory gap analyses, identifying key risks, control gaps and remediation actions.
• Implement, monitor and improve compliance policies, systems and controls, including KYC/KYB, AML/CTF, transaction monitoring and due diligence processes.
• Manage the obtention and maintenance of Criminal Compliance certifications, and coordinate external expert audits, ensuring timely remediation of any findings.
• Prepare compliance and risk reporting for senior management and contribute to internal compliance projects, including regulatory readiness for a potential EDE license, Compliance training, Code of Ethics and Whistleblowing.

KNOWLEDGE & SKILLS

• Knowledge of AML/CTF, Sanctions, Compliance and regulatory risk, with an understanding of the AMLA and payments/EMI regulatory framework.
• Understanding of payments, fintech and banking environments, including digital products and technology.
• Experience in risk assessments, risk mapping, gap analysis, regulatory reporting and Compliance governance.
• Experience managing regulatory and internal projects, from assessment to implementation.
• Good communication and interpersonal skills, with the ability to translate regulatory requirements into practical guidance for the business.
• Ability to build relationships and influence stakeholders across different areas and levels of the organization.
• Comfortable acting as a representative of the Compliance function, including interaction with regulators, external advisors and participation in industry events and conferences.
• Pragmatic and business-oriented approach, with the ability to work independently while collaborating effectively with different teams.
• Ability to promote a Compliance culture and support the business in identifying and managing regulatory risks.

PREFERRED QUALIFICATIONS & EXPERIENCE

Education

• Degree in Law. Master’s or relevant Compliance/AML certification is a plus.
• Fluent in Spanish and English.

Experience

• 6+ years of experience in Compliance, AML/CTF or regulatory risk, preferably in fintech, payments, e-money or financial services.
• Experience with SEPBLAC, Banco de España and/or other financial regulators is a plus.
• Experience in AML frameworks, risk assessments, regulatory reporting, audits and Compliance projects.
• Experience engaging with regulators and external stakeholders and representing the Compliance function.

BENEFITS

• Private health and dental insurance
• Discounted gym membership
• Freedom to work from home two days a week
• Free fruit and snacks in the office
• Team building activities and an international working environment