Director Compliance

Ria Money Transfer; Alcobendas; On-site; EUR 110,000 - 140,000; Full time

Job summary

Ria Money Transfer is building a digital wallet and seeking a Compliance Officer, Wallets. You will own the global compliance programme, serving as the SME on wallet operations and cross-border regulatory matters, while partnering with product and engineering to embed controls from day zero.

You will lead the deployment of financial crime tooling, interact with regulators, and drive licensing efforts across multiple jurisdictions, reporting to senior leadership.

Qualifications

• 7+ years in AML/CTF, e-money, or fintech payments compliance.
• Deep technical understanding of how digital wallets work end to end.
• Real global regulatory range with regulators across regions.
• Builder's instinct: launched or scaled wallet, e-money, or payments product.
• Fluency with the financial crime tech stack (TM, sanctions, KYC/EDD).
• Clear, direct communication with regulators and stakeholders.
• Fluent in English and Spanish.

Responsibilities

• Own the global compliance programme for the wallet across markets.
• Be the group SME on wallet mechanics: funding, stored value, tokenisation, interoperability, payouts, cross-border flows.
• Partner with product from day zero to embed controls in features and markets.
• Lead deployment, calibration, and tuning of financial crime tooling (TM, sanctions, KYC/EDD).
• Act as a key compliance voice in regulator relationships and licensing workstreams.

Skills

AML/CTF experience

Wallets knowledge

Regulatory engagement

Builder's instinct

Communication

KYC/EDD familiarity

Tools

TM systems

Sanctions screening

KYC/EDD platforms

Job description

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.

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. You will be hands on, opinionated, and closer to product and engineering than to policy binders.

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.