Compliance Officer (Regulatory Focus), E-Money & Payments

OnHires; Athens (GA); À distance; USD 134 000 - 202 000; Plein temps

Avantages offerts par ce poste

Medical insurance

L&D budget

Performance-based financial bonus

English classes

Team-building activities

Résumé du poste

OnHires is seeking a regulatory compliance expert to own the e-money and payments regulatory pipeline across EMI/PSD2 in the EU and UK. You will draft governance, safeguarding, and internal control system narratives for authorisation filings and maintain ongoing regulatory dialogue.

You will collaborate with the Global Chief of Compliance, handling gap analyses, remediation plans, and regulator communications, while ensuring evidence-backed controls and post-authorisation obligations are met in

Qualifications

• 5+ years in regulatory compliance (authorisation, licensing, policy and governance drafting)
• Experience drafting governance/ICS narratives, policies or safeguarding documentation for an authorisation file
• Working knowledge of EMD2/PSD2 and the UK e-money and payments regime
• Working knowledge of DORA, AMLD/FATF standards, sanctions, outsourcing and governance requirements
• Fluent professional English with excellent written drafting

Responsabilités

• Draft governance and internal control system narratives, policies and procedures for authorisation files
• Produce safeguarding framework descriptions with method, reconciliation and evidence
• Analyse regulatory gaps and prepare responses to regulators
• Oversee post-authorisation implementation of the EU PSD2 licence and obligations
• Assess regulatory impact on payment products, flows, agents and outsourcing
• Collaborate with Global Chief of Compliance and senior leadership

Connaissances

Regulatory drafting

Governance narratives

EMI/PSD2 knowledge

UK/EU regulator familiarity

Regulatory policy writing

Fluent English

Remote autonomy

Description du poste

Remote | Europe | E-Money & Payments Regulation (EMI/PSD2) | B2B Contract About the Client

Our client is a global fintech operating at the intersection of crypto and traditional payments. It builds products that help people and businesses buy, sell, and exchange cryptocurrency, serving millions of customers across 180+ countries. This role owns the e-money and payments side of the regulatory pipeline: live EMI regulatory workstreams in the EEA and the UK (FCA), the safeguarding framework at the centre of both, and the post-authorisation obligations.

You report to the Global Chief of Compliance. The core of the work is regulatory drafting and analysis: governance and safeguarding narratives, internal control system descriptions, policies and procedures, regulatory gap analyses and responses to regulators, written independently and defensible under regulatory challenge. This is not an MLRO or transaction-monitoring role; day-to-day AML operations sit with the MLRO and the analyst team.

EEA EMI regulatory workstream with the national regulator: governance and internal control system descriptions, policies and procedures, own funds and wind-down documentation, regulator correspondence and RFI cycles

UK EMI regulatory workstream with the FCA: governance, safeguarding under the FCA’s current safeguarding rules, and the AML governance narrative for the file

The safeguarding framework across both perimeters: method, segregation, reconciliation and evidence, breach reporting, audit readiness

Post-authorisation implementation and evidencing of the EU Payment Institution (PSD2) licence and its obligations

Regulatory assessment of payment products, payment-flow changes, agent and distributor arrangements, and outsourcing

Gap analyses, thematic reviews, remediation plans, and verification that approved controls operate in practice

5+ years in regulatory compliance (authorisation, licensing, policy and governance drafting), including 3+ years inside an EEA or UK e-money or payment institution authorised by a national competent authority. Operational AML or transaction-monitoring experience alone does not meet this requirement

• You have personally drafted governance/ICS narratives, policies or safeguarding documentation for an authorisation file, and can name the regulator and what it pushed back on
• Safeguarding: you have drafted or owned a safeguarding framework and can explain method, reconciliation and evidence
• Working knowledge of EMD2/PSD2 and the UK e-money and payments regime: authorisation conditions, own funds, agents and distributors, outsourcing, wind-down
• Working knowledge of DORA, AMLD/FATF standards, sanctions, outsourcing and governance requirements
• Ability to navigate primary legislation and guidance independently, and to tell mandatory requirements apart from risk appetite
• Fluent professional English with excellent written drafting
• An authorisation granted on a file you drafted
• Payment-system access or SEPA scheme adherence handled from the compliance side
• Remote-first with high autonomy and minimal micromanagement
• Direct collaboration with the Global Chief of Compliance and senior leadership
• Work on one of Europe’s most interesting regulatory portfolios: MiCA CASP and PI already granted, with UK and EU applications in the pipeline
• Medical insurance, L&D budget, performance-based financial bonus, English classes, regular team-building activities
• A growing Global Compliance Team where senior expertise is trusted and heard