Business Compliance Officer, UK & EU - Global Payment

TikTok; Greater London; On-site; GBP 90,000 - 130,000; Full time

Job summary

TikTok is seeking an experienced Business Compliance Officer to lead end-to-end regulatory compliance for BNPL, unsecured personal loans, and merchant financing products launching across the UK and EU. You will build robust compliance frameworks and manage relationships with regulators and partner banks across the region.

Based in the UK/Europe, you will ensure all regulated credit agreements comply with evolving UK/EU requirements and drive licensing, supervision, and go-live readiness for

Qualifications

• 5+ years of compliance experience in financial services, specifically in consumer lending, payments, or BNPL.
• Proven track record of successfully applying for and maintaining credit broker or payment services licenses in at least 2 EU jurisdictions.
• Direct hands-on experience with fintech-bank partnership models for lending products.
• Deep practical knowledge of EU and UK financial services regulation, especially consumer credit.
• Strong project management to lead cross-functional compliance initiatives for multiple launches.
• Excellent communication with regulators, senior leadership, and technical teams.

Responsibilities

• Lead end-to-end regulatory licensing and authorization across multiple EU jurisdictions and UK for BNPL, personal loans, and merchant financing.
• Coordinate with regulators (BaFin, ACPR, OAM, Bank of Spain, AFM, FCA) throughout licensing and supervision.
• Manage FCA Temporary Permissions Regime (TPR) registration and regulatory go-live readiness.
• Establish and maintain compliance frameworks with regulated partner banks and payment processors.
• Oversee third-party reporting, outsourcing guidelines, and regulatory examinations.

Skills

Regulatory compliance

Licensing experience

RegTech familiarity

Stakeholder communication

Education

Bachelor's degree in Law/Business/Finance

Tools

RegTech

Job description

Responsibilities

About the Team

In line with the globalization strategy and vision of the company, the Global Payment team builds a platform to provide cross-border payment solutions for all TikTok's products and services, that are growing rapidly worldwide.

About the Role

We are seeking an experienced Business Compliance Officer to lead end-to-end regulatory compliance for our full suite of consumer and merchant financial services launching across the UK and EU. You will own compliance strategy for Buy Now Pay Later (BNPL), unsecured personal loans, and merchant working capital financing products, supporting business and product teams through launch, licensing, and ongoing regulatory supervision.

This is a critical hands-on role responsible for ensuring our financial products comply with all applicable UK and EU regulations, building robust compliance frameworks from the ground up, and managing relationships with regulators, bank partners, and channel providers across the region.

Key Responsibilities

1. Regulatory Licensing & Authorization
   • Lead end-to-end credit broker and lender license applications in Germany, France, Italy, Spain, Netherlands, and UK for all three product lines (BNPL, personal loans, merchant financing)
   • Manage FCA Temporary Permissions Regime (TPR) registration for Deferred Payment Credit (DPC) by the 15 May 2026 opening date, ensuring operational readiness for the 15 July 2026 regulation go-live date
   • Coordinate directly with national regulators (BaFin, ACPR, OAM, Bank of Spain, AFM, FCA) throughout the licensing and supervision process
   • Maintain license compliance including annual renewals, regulatory reporting, and ongoing supervision requirements
   • Monitor implementation timelines for PSD3/PSR (2027) and CCD2 (November 2026) and prepare the organization for new regulatory obligations across all credit products
   • Ensure FOS compulsory jurisdiction compliance for all regulated credit agreements entered on or after 15 July 2026
2. Channel Partnership Compliance
   • Develop and implement compliance frameworks for our bank partnership model, with clear segregation of compliance responsibilities between ByteDance and regulated partner banks
   • Define accountability and liability allocation for BNPL, personal loan, and merchant financing products in line with regulatory requirements
   • Establish tiered due diligence, ongoing monitoring, and audit processes for bank partners, payment processors, and merchant onboarding providers
   • Ensure compliance with FCA third-party reporting rules (March 2027) and EU outsourcing guidelines
   • Negotiate and manage contractual compliance provisions including indemnification, service level agreements, and corrective action mechanisms
   • Oversee merchant due diligence and ongoing monitoring for merchant financing programs

Qualifications

Minimum Qualification(s)

• 5+ years of compliance experience in financial services, specifically in consumer lending, payments, or BNPL
• Proven track record of successfully applying for and maintaining credit broker or payment services licenses in at least 2 EU jurisdictions
• Direct hands-on experience working with fintech-bank partnership models for lending products
• Deep practical knowledge of EU and UK financial services regulation, with specific experience in consumer credit
• Strong project management skills with ability to lead cross-functional compliance initiatives for multiple concurrent product launches
• Excellent communication skills to engage with regulators, senior leadership, and technical teams

Preferred Qualification(s)

• Bachelor's degree or above in Law, Business, Finance, or related field
• Professional certifications: CRCM, CCP, CPCO or equivalent
• Direct experience launching BNPL or point-of-sale financing products in EU/UK markets
• Working knowledge of regulatory technology (RegTech) and compliance management systems
• Experience with FOS complaints handling and regulatory examinations

About TikTok

TikTok is the leading destination for short-form mobile video. At TikTok, our mission is to inspire creativity and bring joy. TikTok's global headquarters are in Los Angeles and Singapore, and we also have offices in New York City, London, Dublin, Paris, Berlin, Dubai, Jakarta, Seoul, and Tokyo.

Why Join Us

Inspiring creativity is at the core of TikTok's mission. Our innovative product is built to help people authentically express themselves, discover and connect – and our global, diverse teams make that possible. Together, we create value for our communities, inspire creativity and bring joy – a mission we work towards every day.

We strive to do great things with great people. We lead with curiosity, humility, and a desire to make impact in a rapidly growing tech company. Every challenge is an opportunity to learn and innovate as one team. We're resilient and embrace challenges as they come. By constantly iterating and fostering an "Always Day 1" mindset, we achieve meaningful breakthroughs for ourselves, our company, and our users. When we create and grow together, the possibilities are limitless. Join us.

Diversity & Inclusion

TikTok is committed to creating an inclusive space where employees are valued for their skills, experiences, and unique perspectives. Our platform connects people from across the globe and so does our workplace. At TikTok, our mission is to inspire creativity and bring joy. To achieve that goal, we are committed to celebrating our diverse voices and to creating an environment that reflects the many communities we reach. We are passionate about this and hope you are too.