Compliance Lead Officer

Kriya; City Of London; On-site; GBP 70,000 - 90,000; Full time

Job summary

A fintech company is seeking a Compliance Lead Officer to shape the compliance strategy for innovative credit products. Responsibilities include developing compliance frameworks, ensuring regulatory alignment, and advising product teams. The ideal candidate will have over 5 years of experience in compliance within the fintech or banking sectors and strong analytical and communication skills.

Qualifications

• 5+ years of experience in a senior compliance role within fintech or banking.
• Proven experience in building compliance frameworks for specific products.
• Deep knowledge of UK regulatory landscape.

Responsibilities

• Architect and implement the Compliance & Financial Crime Framework for product suite.
• Design risk-based approaches for customer due diligence and transaction monitoring.
• Act as primary compliance authority for new product features.

Skills

Compliance framework development

KYC and AML knowledge

Analytical skills

Communication skills

Job description

This is a rare opportunity to own and shape the entire compliance and regulatory strategy for a specific, innovative suite of credit products. As the Compliance Lead Officer for our embedded finance and invoice finance products, you will be the architect of the compliance framework for this business line. You will build upon the foundation of our established policies to create tailored, fit-for-purpose strategies for KYC, AML, transaction monitoring, and regulatory engagement that meet the unique needs of our products and customers.

Reporting directly to the Head of Risk, you will be the key subject matter expert, ensuring our innovative products scale safely and in full alignment with both regulatory expectations and the risk appetite.

What You\'ll Do

• Architect, implement, and own the end-to-end Compliance & Financial Crime Framework specifically for our digital lending product suite.
• Design and deploy sophisticated, risk-based approaches to customer due diligence (CDD/KYC), sanctions screening, and transaction monitoring
• Act as the primary compliance authority for the product team, providing expert guidance on regulatory requirements and risk mitigation for new product features and market expansions.
• Oversee the day-to-day compliance operations for the product division, ensuring all activities meet the standards set by both regulators and the wider banking group.
• Conduct regular product-specific compliance risk assessments and lead strategic initiatives to remediate any gaps.
• Manage the compliance monitoring programme for the product suite, ensuring all documentation is audit-ready.
• Serve as the crucial bridge between the innovative product team and the bank\'s central compliance function, ensuring alignment and managing any regulatory variations.
• Foster a culture of compliance awareness within the product division through training and proactive engagement.
• Act as a key point of contact for regulatory bodies on matters pertaining to the specific product suite.

Qualifications

• 5+ years of hands-on experience in a senior compliance role within fintech, digital lending, or a bank.
• Proven experience in building or significantly enhancing compliance frameworks for specific products, not just maintaining group-wide policies.
• Deep, practical knowledge of the UK regulatory landscape
• Exceptional analytical and problem-solving skills, with the ability to translate regulatory text into actionable business requirements for tech and product teams.
• A confident and influential communicator, able to engage and advise stakeholders at all levels, from engineers to the board.
• High integrity, strong organisational skills, and an unwavering attention to detail.