Director Compliance

Ria Money Transfer; Alcobendas; Presencial; EUR 90.000 - 140.000; Jornada completa

Descripción de la vacante

Ria Money Transfer is seeking a Compliance Officer for Wallets to own the global compliance program for its digital wallet, ensuring policy design, risk assessments, monitoring, and controls across markets. You will partner with product and engineering from day zero to build compliant features, lead the deployment of AML/CTF tooling, and maintain strong regulator relationships across regions.

Fluency in English and Spanish and a proven track record in fintech compliance are essential for guiding

Formación

• 7+ years in AML/CTF, e-money, or fintech payments compliance.
• Deep understanding of how wallets and stored value services operate.
• Experience working with regulators across multiple regions.
• Fluent in English and Spanish, with clear communication.
• Ability to partner with product and engineering to build compliant features.

Responsabilidades

• Own the global compliance programme for Ria's wallet, across every market.
• Be the group level SME on wallet mechanics: funding, stored value, tokenisation, interoperability, payouts.
• Partner with product from day zero on new features and markets to embed controls.
• Lead deployment and tuning of financial crime tooling (TM, sanctions, KYC/EDD).
• Act as a compliance voice with regulators and support licensing with MLROs and entity heads.
• Keep Ria ahead of MiCA, PSD3, FinCEN rulemakings and local e-money regimes.
• Report to senior management and VP of Compliance.
• Communicate risks and trade-offs clearly to business stakeholders.

Conocimientos

AML/CTF expertise

Wallets / e-money

Global regulatory experience

Strong communication

Fluent in English

Fluent in Spanish

Herramientas

Transaction Monitoring

Sanctions screening

KYC/EDD platforms

Descripción del empleo

Description

Compliance Officer, Wallets

About the role

Ria is building a digital wallet for customers who have historically been served by cash and remittance, turning one of the world's largest money movement networks into a true omnichannel financial product. Compliance is what lets that wallet cross borders, win licences, and scale without breaking. This role owns it, globally.

As Compliance Officer, Wallets, you will be the person the business turns to when they need to know whether an idea is possible, how to make it possible, and what doing it right looks like across the globe.

Your mission

• Own the global compliance programme for Ria's wallet, including policies, risk assessments, monitoring, and controls, across every market it operates in.
• Be the group level SME on how wallets actually work: funding, stored value, tokenisation, interoperability, payouts, cross border flows, and how compliance is embedded in these areas.
• Partner with product from day zero on new features, markets, and payment instruments so the right controls are built in, not bolted on.
• Lead the deployment, calibration, and ongoing tuning of the financial crime tooling (transaction monitoring, sanctions, KYC, fraud) that protects the wallet end to end.
• Act as a key compliance voice in the global regulator relationship, covering supervision, examinations, and ongoing engagement, and support licensing workstreams in coordination with local MLROs and entity heads.
• Keep Ria ahead of the regulatory curve (MiCA, PSD3, FinCEN rulemakings, local e money regimes) and translate it into concrete decisions the business can act on.
• Report to senior management.
• Report directly to the VP of Compliance, Digital Products and senior leadership on risks, choices, and trade offs, not noise.

What you'll bring

• 7+ years in AML/CTF, e money, or fintech payments compliance, with a meaningful share of that on wallets, stored value, or payment accounts.
• Deep technical understanding of how digital wallets work end to end. You can whiteboard the flows, not just cite regulations.
• Real global regulatory range. You have worked with regulators and frameworks across different regions.
• A builder's instinct. You have launched or scaled a wallet, e money, or payments product and know what 'compliance as an enabler' looks like in practice.
• Fluency with the financial crime tech stack (TM, sanctions, KYC/EDD platforms) and confidence working alongside engineering and data teams.
• Clear, direct communication. You feel equally comfortable to interact with regulators, and business stakeholders.
• Fluent in English and Spanish.

Bonus points

• Experience participating in e money, PI, or MSB licence applications, or maintaining them in more than one jurisdiction.
• Background at a scaling fintech, neobank, or wallet provider, not only traditional banking.
• Exposure to crypto or stablecoin rails, or emerging markets mobile money.