Regulatory Licensing Officer

3S Money; Greater London; Hybrid; GBP 70,000 - 100,000; Full time

Benefits offered by this job

Stock options

Hybrid working

City-centre office

Job summary

3S Money is seeking a Regulatory Licensing Officer to support licensing across the UK and other jurisdictions, translating regulatory requirements into practical internal policies and operational guidance.

The role involves managing licence applications for EMI, Payment Institution, Virtual Asset, and other regulated activities, while coordinating with Compliance, Legal, Risk, Operations, and Product to meet milestones and post‑authorisation obligations.

Qualifications

• Experience in regulatory compliance and licensing within fintech, payments, banking, e-money, or related sectors.
• Strong drafting skills with policies, procedures, or regulatory responses.
• Excellent organisational and project management skills with ability to manage multiple workstreams.

Responsibilities

• Support preparation, submission, and management of regulatory licence applications, registrations, notifications, variations, and extensions across multiple jurisdictions.
• Assist with EMI, Payment Institution, Virtual Asset, Digital Asset licence applications with regulators across the UK, Europe, APAC, and other jurisdictions.
• Coordinate input from Compliance, Legal, Risk, Operations, Product, and Finance to support regulatory submissions.
• Project manage milestones, regulatory commitments, and post‑authorisation requirements.
• Maintain licensing registers, obligations, and regulatory deadlines.

Skills

Regulatory compliance

Licensing expertise

Project management

Stakeholder communication

Regulatory research

Attention to detail

Education

Bachelor's degree in Law, Finance, or equivalent

Job description

3S Money is reinventing international business banking. Founded in 2018, our mission is to help growing businesses send, receive, and exchange money in over 190 countries. With offices in seven countries and over 200 employees, you’ll be joining a high‑energy, high‑impact team that has achieved profitability and has a wealth of opportunity ahead.

At 3S Money, we believe in caring personally, staying curious, and making an impact through collaboration, not competition. Our culture is genuinely transparent, with minimal hierarchy and a strong commitment to each employee’s professional growth.

About the Role

We are seeking a highly motivated Regulatory Licensing Officer to support the firm's regulatory licensing activities across multiple jurisdictions and contribute to the ongoing development of its regulatory and compliance framework.

The successful candidate will play a key role in supporting licence applications across payments, e-money, digital assets, and other regulated financial services activities. This role is suited to a hands‑on professional who can manage multiple priorities, collaborate effectively across functions, and help ensure regulatory requirements are translated into practical business outcomes.

Regulatory Licensing & Applications

• Support the preparation, submission, and ongoing management of regulatory licence applications, registrations, notifications, variations, and extensions across multiple jurisdictions.
• Assist with EMI, Payment Institution, Virtual Asset, Digital Asset, and other financial services licence applications with regulators across the UK, EEA, APAC, and other relevant jurisdictions.
• Conduct regulatory research and support feasibility assessments for new products, services, and market expansion opportunities.
• Prepare high-quality application materials, regulatory responses, supporting documentation, and evidence packs.
• Coordinate input from Compliance, Legal, Risk, Operations, Product, Finance, and other stakeholders to support regulatory submissions.
• Project manage and track application milestones, regulatory commitments, approval conditions, and post‑authorisation requirements.
  

Regulatory Coordination & Stakeholder Engagement

• Support interactions with regulators, competent authorities, and external advisers, including coordinating meetings, information requests, submissions, and regulatory correspondence.
• Maintain accurate records of regulatory communications, commitments, and key actions.
• Develop effective working relationships with internal and external stakeholders involved in licensing and regulatory projects.
• Support responses to regulatory enquiries and requests for information relating to licence applications.
  

Policy Development & Regulatory Framework Support

• Help draft, review, and coordinate the establishment of compliance policies, procedures, standards, and governance documentation for the licence applications.
• Translate regulatory requirements into practical internal policies and operational guidance.
• Support the ongoing maintenance and enhancement of compliance policies, procedures, standards, and governance documentation across the group
  

Regulatory Administration & Monitoring

• Maintain licensing registers, authorisation records, passporting notifications, regulatory obligations, and key regulatory deadlines.
• Monitor compliance with licence conditions, commitments, and regulatory reporting requirements.
• Support the preparation of management information, regulatory reports, governance committee materials, and internal updates.
• Track developments across relevant regulatory frameworks, including PSD3, MiCAR, DORA, CRD VI, AML/CTF requirements, and other applicable regulations.
  
• Experience in regulatory affairs, compliance, legal, licensing, or financial services regulation within fintech, payments, banking, e‑money, or related sectors.
• Knowledge of regulatory frameworks such as FCA, EU, PSD2/PSD3, MiFID II, MiCAR, CRD/CRR, DORA, and AML/CTF requirements.
• Experience supporting regulatory licence applications or regulatory submissions.
• Strong drafting skills, including experience preparing policies, procedures, regulatory responses, or application documentation.
• Strong organisational and project management skills with the ability to manage multiple workstreams simultaneously.
• Excellent written and verbal communication skills.
• Strong analytical and problem‑solving abilities with excellent attention to detail.
  
• In return for your hard work:
  Competitive Salary + plus stock options (after 12 months) & benefits
  Hybrid working setup in our wonderful city‑centre office
  We foster non‑BAU projects in our team, we want you to explore new avenues and expand your expertise to benefit your professional pathway & our teams.
  And much, much more….
  

Our commitment to you

We are an equal opportunities employer.
We make recruiting decisions based on your experience, skills and personality. Our passion and focus will always be to work with the best people. We’re creating services for everyone, so it’s imperative we work with everyone. Our diverse team has been the foundations to our success in building more efficient products, making better decisions and establishing an all‑inclusive place to work. Applicants of all backgrounds are hugely encouraged to apply and discover the 3S way.

Our recruitment practices

While all of our interviews will be with employees over Teams, we do use AI in our process and record our interviews to continually improve our practices.