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

OnHires; Georgia; Remote; USD 140,000 - 180,000; Full time

Benefits offered by this job

Medical insurance

L&D budget

Performance-based bonus

English classes

Team-building activities

Job summary

OnHires seeks a regulatory compliance professional to lead EMI/PSD2 governance for a global fintech. You will draft governance narratives, ICS docs, policies, and regulator responses for EMI authorisations in the EEA and UK, reporting to the Global Chief of Compliance.

5+ years in regulatory compliance with 3+ years in an EEA/UK e-money or payment institution, fluent English, and ability to work remotely with high autonomy.

Qualifications

• 5+ years in regulatory compliance (authorisation, licensing, policy and governance drafting), including 3+ years inside an EEA or UK e-money or payment institution.
• Experience drafting governance/ICS narratives, policies or safeguarding documentation for an authorisation file.
• Knowledge of EMD2/PSD2, 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.
• Fluent professional English with excellent written drafting.

Responsibilities

• Draft governance and internal control system descriptions, policies and procedures, regulatory gap analyses and regulator responses.
• Ensure safeguarding framework and compliance controls are demonstrated for regulatory challenge.
• Collaborate with Global Chief of Compliance and senior leadership across regions.
• Support post-authorisation implementation and evidencing of EMI licence obligations.

Skills

Regulatory drafting

Governance & ICS

Policy writing

Regulatory analysis

UK/EEA EMI regulation

Fluent English

Job description

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