Senior Compliance Officer - AML, Risk & Regulatory

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

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.