Compliance Manager / AMLRO Spain

swan.io

España

On-site

PHP 4,781,997 - 5,836,849

Full time

14 days+

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Benefits offered by this job

Health insurance

28 days of paid leave

Monthly transportation allowance

Meal vouchers

Well-being support

Job summary

swan.io is seeking a Compliance Officer for Spain to manage regulatory compliance and ensure operations align with legal requirements. You will be responsible for overseeing regulatory submissions, conducting watch on banking supervision matters, and serving as a liaison to regulatory bodies.

The ideal candidate has 5+ years of relevant experience, is knowledgeable about Spanish banking regulations, and is fluent in both Spanish and English. Join us and be part of a dynamic team with a hybrid work policy!

Qualifications

5+ years experience in a Compliance position in a financial institution.
High autonomy with ability to take initiatives.
Flexibility to adapt to changing requirements.

Responsibilities

Manage regulatory changes and submissions for compliance.
Act as an escalation point for investigations.
Conduct regulatory watch on banking supervision matters.

Skills

Knowledge of Spanish banking regulations

Problem-solving mindset

Synthesis and analytical skills

Fluent in Spanish and English

Job description

About

Swan is Europe's embedded banking specialist. We empower software companies to embed banking features like accounts, cards, and payments directly into their products, under their own brand. Swan processes over €1.5 billion in monthly transactions for more than 150 companies such as Pennylane, Indy, Agicap, Libeo, and Lucca.

Founded in 2019, the company has received growth capital from leading investors such as Lakestar, Accel, Creandum, Bpifrance and Eight Roads.

Swan is a principal member of Mastercard and a licensed financial institution, regulated by the French banking authority (ACPR).

Banking belongs in business software

Many software companies already serve small businesses wonderfully: helping them send invoices, run payroll, manage inventory, and more. They're on a mission to become the central hub for managing every aspect of business life.

But when it comes to financial workflows, there's still a gap. Too many critical tasks such as managing cash flow, tracking payments, or reconciling accounts happen outside the software, across spreadsheets, email threads, and banking portals. It’s a missed opportunity. Business software shouldn’t just record financial activity – it should run it.

Job description

Your mission

Swan's compliance team keeps our banking features safe and secure, and always has to think about the best way to combine multiple areas: business, legal, regulatory, customer support, and more. Swan is both a technology company and a financial services company, and our Compliance team makes these pieces fit together.

As an Electronic Money Institution, Swan faces many legal and regulatory challenges when conducting its business and operations: fighting money laundering, protecting clients' funds, working with legitimate partners, etc. As our Compliance Officer in Spain, you will play a crucial role in ensuring our operations remain in line with regulatory requirements. You will have the role of AMLRO for Spain.

Main tasks

Managing Regulatory Changes: Stay ahead of and implement regulatory changes in Spain.
Regulatory Submissions: Owner of submitting regulatory documents under the supervision of the Head of Compliance.
Escalation Point: Act as the escalation point for investigations conducted by FinCrime Analysts.
Business Use Cases: Explore regulatory aspects of various business use cases.
New Products and Services: Assess regulatory aspects of new products and services.
Compliance Documentation: Contribute to the maintenance of our internal documentation, ensuring accuracy and compliance with industry standards.
Regulatory Watch: Conduct regulatory watch on Spanish banking supervision matters to keep the organization informed and compliant.
Regulatory bodies: Serve as the primary point of contact for Spanish regulatory bodies (Banco de España / SEPBLAC / CNMV).

Preferred experience

You’re a great match if:

You have significant experience (5+ years) in a Compliance position in a financial institution, ideally in a Fintech or another fast‑paced work environment.
You have an excellent knowledge of Spanish banking regulations and the payment ecosystem.
You possess the mindset of a problem solver: creative and resourceful, maintaining a positive and can‑do attitude towards challenges and obstacles.
High autonomy and ability to take initiatives.
Synthesis and analytical mindset with strong writing skills.
Flexibility to adapt to changing requirements in an evolving and fast‑paced environment.
Fluent in Spanish & English.
Our ideal teammate: empathetic, skilled, frank. We love to challenge each other, and we leave our egos at the door.

It’s okay if you don’t tick all the boxes – don’t let imposter syndrome prevent you from applying.

Perks of being a Swanee

Health insurance: Alan Manzana – Swan's health and welfare insurance.
Holidays: 28 days of paid leave.
Transport: we offer a monthly allowance for your transportation.
Meal voucher: we provide a monthly allowance to cover your meals on work days.
Sports: thanks to our partnership with ClassPass, you can enjoy discounts on subscriptions and wellness activities in several European cities and online.
Well‑being support: access to Moka Care for mental health and wellness.
Hybrid remote policy: we offer the possibility of working from home for 2 days per week.
Offsite: once a year we gather to reconnect, deep‑dive into big topics, and relax.
We believe in diversity and inclusion and are working hard to get better every day.