Head of Compliance

Visa Hunt; Paris; Sur place; EUR 120 000 - 180 000; Plein temps

Avantages offerts par ce poste

Holidays 25 days + RTT

Meal vouchers

Mobility package for employees

Health insurance (mutuelle)

Classpass discounts

Well-being support

Hybrid remote policy

Offsite yearly gathering

Diversity & inclusion initiatives

Résumé du poste

Swan is seeking a Head of Compliance to oversee the company’s regulatory obligations and maintain an effective compliance framework across jurisdictions. You will lead a team of about 15 compliance professionals and work with risk, product, sales, and operations to enable safe, compliant growth.

You will drive PSD2/CMF/EMI obligations, manage regulatory relationships, and oversee licensing, examinations, and regulatory inquiries while shaping governance and culture.

Qualifications

• Hands-on experience as AMLRO/compliance in a regulated financial institution (ideally EMI/PI).
• Led a compliance team and maintained high standards.
• Collaborated with Product/Sales; able to say no when needed.
• Built and maintained compliance frameworks from scratch.
• Clear communication in French and English across regulators, boards, and product teams.

Responsabilités

• Lead the Compliance function: AMLROs and regulatory officers.
• Develop a high-performing team of ~15 compliance professionals with scalable processes.
• Maintain PSD2/CMF/EMI obligations across markets; ensure AML/CFT policy interpretation.
• Own regulatory relationships and reporting with ACPR and authorities.
• Advise product, partnerships, and commercial teams on regulatory feasibility of new features.
• Track regulatory changes and translate into actionable requirements.
• Propose revisions of risk mappings and risk appetite framework.
• Oversee regulatory reporting and reporting to sponsor banks; manage examinations and audits.
• Conduct compliance training and enable safe business growth.
• Provide compliance input to leadership and governance bodies.

Connaissances

AML/Compliance

Regulatory knowledge

Team leadership

French & English

Cross-functional collaboration

Description du poste

About

Swan is Europe’s embedded banking specialist. We empower software companies to embed banking features like accounts, cards, and payments directly into their products, under their own brand.Swan processes over €1.5 billion in monthly transactions for more than 150 companies - like Pennylane, Indy, Agicap, Libeo, and Lucca. Founded in 2019, the company has received growth capital from leading investors such as Lakestar, Accel, Creandum, Bpifrance and Eight Roads. Swan is a principal member of Mastercard and a licensed financial institution, regulated by the French banking authority (ACPR).

Our mission

Banking belongs in business software

Many software companies already serve small businesses incredibly well: helping them send invoices, run payroll, manage inventory, and more. They’re on a mission to become the central hub for managing every aspect of business life.

But when it comes to financial workflows, there’s still a gap. Too many critical tasks like managing cash flow, tracking payments, or reconciling accounts happen outside the software, across spreadsheets, email threads, banking portals.

It’s a missed opportunity. Business software shouldn’t just record financial activity — it should run it.

To learn more about us: About Swan ; Our story.

Job description

As Head of Compliance you will oversee the company's regulatory obligations, and maintain an effective compliance framework that enables Swan to operate safely and in accordance with regulatory expectations across the jurisdictions where it operates.

Key Responsibilities:

• Leads the Compliance function: AMLROs (including per-market / Central Contact Point coverage) and regulatory officers.

• Lead, structure, and develop a high-performing team of approximately 15 compliance professionals by establishing a clear operating model, effective management framework, and scalable ways of working. Create the conditions for senior experts to perform at their best through well-designed management rituals, transparent communication.

• Maintain and evolve the regulatory compliance framework (PSD2/CMF, EMI obligations, ACPR expectations) across home and passported markets, ensure consistent AML/CFT policy interpretation across jurisdictions.

• Own regulatory relationships and reporting; act as primary interface with ACPR and local competent authorities on compliance matters.

• Advise product, partnerships, and commercial teams on regulatory feasibility of new features, markets, and partner models. Document compliance opinions for the launch of new services/products or new activities, and new suppliers (critical suppliers).

• Track regulatory change; translate it into actionable requirements and timelines for the business.

• Propose revisions of risk mappings and the risk appetite framework

• Handle qualitative reporting to regulators (QLB), overseeing local regulatory reporting, and reporting to key suppliers (sponsor banks notably)

• Conduct compliance training and awareness sessions for staff. Help scale up the tools and processes to enable business growth in a safe and compliant environment.

• Provide compliance input to the leadership and governance bodies

• Manage regulatory examinations, inspections, and audits at the international level. Coordinate responses to regulatory inquiries and information requests. Launch local committees.

• Support licensing applications and regulatory approvals

Your Team

At Swan, you'll have the opportunity to join our dynamic compliance team, reporting to our Chief Risk Officer. Your team, currently consisting of ten members, is actively expanding.

The Compliance team operates within a department Risk & Compliance alongside the Fincrime and Internal Control teams. In your role, you can anticipate close collaboration with the Sales, Ops and Product Teams, fostering an environment where cross-functional engagement is highly valued.

Preferred experience

You’re a great match if:

• You have hands-on experience as an AMLRO / compliance role (or equivalent) in a regulated financial institution - ideally an EMI or PI - and a strong command of the French regulatory framework (ACPR, AML/CFT directives, PSD2, MFC). Knowledge of another European jurisdiction is a plus.

• You've built and led a compliance team, and you know how to develop people while keeping standards high.

• You're comfortable sitting at the intersection of compliance and business - you've worked closely with Product or Sales teams, and you can say no while still moving things forward.

• You thrive in environments where the rules are still being written: you're as good at building frameworks from scratch as you are at maintaining them.

• You communicate with clarity and conviction - in French and in English - whether you're in front of a regulator, a board, or a product team.

• Our ideal teammate: Empathetic. Skilled. Frank. We love to challenge each other, and we leave our egos at the door.

It’s okay if you don’t tick all the boxes — don’t let imposter syndrome prevent you from applying!

Swan is committed to providing a caring work environment for all employees, regardless of age, sex, disability, sexual orientation, race, religion, or belief.

When it comes to recruitment, we’re interested in your work experience, skills, and overall personality. Because diversity makes the workplace stronger and is necessary for Swan’s success, we are intensifying efforts to incorporate concrete actions to help us improve in this area.

About Swan

Perks of being a Swanee:

• Holidays : 25 days + RTT

• Meal Vouchers: We provide a meal voucher card to cover your meals on work days.

• Transport:Monthly mobility package for employees. In accordance with the company agreement for sustainable mobilities, you can now use your mobility package to pay for alternative commuting modes.

• Health insurance (mutuelle): Alan. This is Swan's health and welfare insurance.

• Sports: Thanks to our partnership with Classpass, you can enjoy advantageous discounts on subscriptions. They offer a wide range of sports activities as well as wellness activities.

• Well-being support: access to Moka Care for mental health and wellness.

• Hybrid remote policy: We offer the possibility of working from home for 2 days per week.

• Offsite: Once a year we gather to reconnect, deep-dive into big topics, and relax.

• This isn’t a perk, it should be the rule, but diversity and inclusion are important at Swan. We’re working hard to get better every day.

Our values:

Swan’s core values guide our actions daily. Individually, they may seem obvious, but together, they form a unique culture.

Simplicity: Leonardo Da Vinci said: “simplicity is the ultimate sophistication.” If something's convoluted or confusing, we work extra hard to break it down. - Making complex things simple is what we do.

Long Term: We always play the long game, whether it's to support our partners in their growth journey, or make tangible commitments to climate action.

Excellence: We are a team of experts who consistently go all out to create pixel-perfect banking services and exceed our partners' expectations— whatever it takes.

Be Human:We believe in the power of kindness and the importance of acting with integrity. But embracing our humanity extends beyond interpersonal interactions, it means caring about greater issues that affect our planet.

You can find out more about our culture.

Recruitment process

• A 45-min call with our Talent Acquisition Manager, to get to know you, understand your career expectations and answer your questions

• A 1H interview with your futur manager Jérôme

• A Live case study and peer interview (1H30)

• A 1h interview withe our Chief People Officer to evaluate your management skills

• A last round with Camille, our CEO for 1H

• 3 reference checks conducted by Talent Acquisition team, with a minimum of 2 recent former direct managers and one internal stakeholder