Senior Compliance Officer

Pay; Nederland; Hybrid; EUR 68,000 - 100,000; Full time

Job summary

Pay. is seeking a Senior Compliance Officer to join our Legal & Compliance team in the Netherlands. This second-line role blends regulatory knowledge with strong analytical and writing skills to produce high-quality memoranda and advice.

You will assess regulatory requirements, identify risks, and enable business objectives within an appropriate risk appetite and regulatory framework. You will challenge stakeholders when needed and support regulatory interactions and audits.

Qualifications

• 3+ years of experience in Compliance, Regulatory Risk, Financial Crime Compliance, or related field.
• Bachelor’s or Master’s degree (HBO/WO) in Law, Business Administration, Economics or related field.
• Strong knowledge of AML/CFT, KYC/CDD, sanctions, and risk management frameworks.
• Experience conducting risk assessments and SIRA exercises.
• Excellent analytical skills and sound judgement.
• Outstanding written communication skills with the ability to produce clear, concise, and well-reasoned compliance advice and memoranda.
• Ability to work independently and constructively challenge business decisions when required.

Responsibilities

• Maintain and further develop Pay. compliance framework.
• Conduct and update risk assessments, including RCSAs and SIRA reviews.
• Advise the business on regulatory requirements and compliance risks.
• Perform compliance monitoring and thematic reviews.
• Assess AML, KYC/CDD, sanctions, and financial crime risks.
• Draft compliance opinions, management papers, regulatory memoranda, and policy documentation.
• Support regulatory interactions and audit activities.
• Monitor regulatory developments and assess their impact on the business.

Skills

Regulatory Risk

Financial Crime Compliance

AML/KYC

Analytical writing

Education

Bachelor’s or Master’s degree (HBO/WO) in Law, Business Administration, Economics

Job description

Senior Compliance Officer

At Pay. we are looking for a Senior Compliance Officer to join our Legal & Compliance team. This is a key second-line role for a compliance professional who combines strong regulatory knowledge with excellent analytical and writing skills.

We are looking for someone who does not simply apply rules, but who can critically assess regulatory requirements, identify risks, challenge stakeholders where necessary, and clearly articulate their conclusions in high-quality written memoranda and advice. The successful candidate combines a strong business mindset and understand that effective compliance is not about creating obstacles, but about enabling the business to achieve its objectives within an appropriate risk appetite and regulatory framework.

Who we are

At Pay. we make payments easy. We offer a single platform that enables online shops, retailers and organisations to accept payments effortlessly. From iDEAL to credit cards, and from Apple Pay to Bancontact. Behind the scenes, our close-knit team works together to ensure that all these payments are processed securely, quickly and flawlessly. Security, integrity and reliability are at the heart of everything we do. As a Compliance Officer, you play an important role in safeguarding the integrity of our organisation and ensuring that Pay. complies with all relevant laws and regulations. With your knowledge of compliance and risk management, you help identify potential risks, advise colleagues and contribute to maintaining a strong compliance framework within our organisation.

Key Responsibilities

• Maintain and further develop Pay. compliance framework.
• Conduct and update risk assessments, including RCSAs and SIRA reviews.
• Advise the business on regulatory requirements and compliance risks.
• Perform compliance monitoring and thematic reviews.
• Assess AML, KYC/CDD, sanctions, and financial crime risks.
• Draft compliance opinions, management papers, regulatory memoranda, and policy documentation.
• Support regulatory interactions and audit activities.
• Monitor regulatory developments and assess their impact on the business.

What are we looking for

• 3+ years of experience in Compliance, Regulatory Risk, Financial Crime Compliance, or a related field.
• A bachelor’s or master’s degree (HBO/WO level), preferably in Law, Business Administration, Economics or a related field.
• Strong knowledge of AML/CFT, KYC/CDD, sanctions, and risk management frameworks.
• Demonstrable experience conducting risk assessments and SIRA exercises.
• Excellent analytical skills and sound judgement.
• Outstanding written communication skills with the ability to produce clear, concise, and well-reasoned compliance advice and memoranda.
• Ability to work independently and constructively challenge business decisions where required.

Preferred

• Experience within a Payment Service Provider (PSP), fintech, bank, or other regulated financial institution.
• Knowledge of PSD2 and the payments sector.
• Experience dealing with regulators and external auditors.

What do we offer

• A varied and responsible position within a fast-growing fintech organisation.
• The opportunity to make a direct contribution to safeguarding the integrity of our organisation.
• An informal working environment with short communication lines and plenty of room for your own initiative.
• A competitive salary and attractive secondary employment benefits.
• Opportunities for personal development and further specialisation within compliance and risk management.
• The opportunity to work closely with committed colleagues across different disciplines.
• A modern workplace, enjoyable team events and a pleasant working environment.

Our locations

Hengelosestraat 113

7514AE Enschede
Nederland

Jij bent welkom bij Pay.

At Pay.you’ll use your expertise to contribute to the integrity and reliability of payment transactions. You’ll have the opportunity to analyze transaction patterns, identify risks, and help develop ways to improve AML processes.

Together with your colleagues, you’ll help prevent financial crime and ensure that potential risks are identified in a timely manner, carefully assessed, and addressed in accordance with applicable laws and regulations.