• Lead European Economic Area (EEA) Electronic Money Institution (EMI) authorization workstreams, coordinating regulatory documentation, governance descriptions, internal control system narratives, policies, procedures, own funds documentation, and wind-down plans.

• Manage UK EMI regulatory workstreams with the Financial Conduct Authority (FCA), including governance requirements, safeguarding arrangements, and relevant anti-money laundering governance documentation.

• Develop, maintain, and oversee safeguarding frameworks across EEA and UK regulatory jurisdictions, ensuring appropriate safeguarding methodologies, fund segregation, reconciliation processes, supporting evidence, breach reporting, and audit readiness.

• Support the implementation and ongoing compliance obligations associated with the existing EU Payment Institution authorization under the Payment Services Directive (PSD2).

• Prepare and review regulatory submissions, responses to information requests, formal correspondence, and supporting documentation, ensuring that all materials are accurate, comprehensive, and defensible under regulatory scrutiny.

• Conduct regulatory assessments of payment products, payment-flow changes, agent and distributor arrangements, outsourcing activities, and other business initiatives to identify regulatory implications and compliance requirements.

• Perform regulatory gap analyses and thematic reviews, develop remediation plans, and verify that approved policies, procedures, and internal controls are implemented effectively and operate as intended.

• Interpret applicable legislation, regulatory guidance, and supervisory expectations to distinguish mandatory obligations from internal risk appetite and translate requirements into practical compliance measures.

• Monitor changes in European and UK payments regulation, including developments affecting electronic money, payment services, operational resilience, safeguarding, and financial crime compliance.

• Maintain effective governance documentation and evidence supporting regulatory compliance, ensuring readiness for supervisory reviews, external audits, and ongoing regulatory reporting.

• Collaborate closely with the Global Chief of Compliance and relevant internal stakeholders to prioritize regulatory initiatives, manage authorization milestones, and strengthen the organization's compliance framework.

• Contribute regulatory expertise to the development and enhancement of internal policies, controls, and procedures across the e-money and payments business.

Requirements:

• At least 5 years of professional experience in regulatory compliance, authorization, licensing, policy development, or governance drafting, including a minimum of 3 years working within an EEA or UK-authorized electronic money institution or payment institution.

• Demonstrated hands-on experience with an e-money or payments authorization framework, such as EEA EMI or Payment Institution authorization under EMD2/PSD2, or the UK Electronic Money Regulations and Payment Services Regulations, including participation in regulatory submissions and supervisory review.

• Proven ability to personally draft governance and internal control system narratives, regulatory policies, procedures, or safeguarding documentation for an authorization application.

• Practical experience engaging with a national competent authority or the FCA, including the ability to explain regulatory feedback, supervisory challenges, and how issues were addressed during the authorization process.

• Strong expertise in safeguarding requirements, including the development or ownership of safeguarding frameworks, fund segregation methodologies, reconciliation processes, evidence management, breach reporting, and audit preparation.

• Working knowledge of EMD2, PSD2, UK electronic money and payment services regulations, authorization conditions, own funds requirements, agent and distributor arrangements, outsourcing, and wind-down planning.

• Familiarity with the Digital Operational Resilience Act (DORA), relevant Anti-Money Laundering Directives (AMLD), Financial Action Task Force (FATF) standards, sanctions requirements, outsourcing obligations, and governance expectations.

• Ability to independently interpret primary legislation and regulatory guidance, assess applicability, and translate legal requirements into clear, actionable internal controls and documentation.

• Excellent written and spoken professional English, with exceptional drafting skills and the ability to produce clear, precise, and regulator-ready documentation.

• Strong analytical, organizational, and problem-solving skills, with the ability to manage multiple regulatory workstreams and deliver high-quality work independently.

• A proactive and detail-oriented approach, with sound judgment, accountability, and confidence working with senior compliance stakeholders in a complex regulatory environment.

• Residence or professional engagement location within Europe, with availability for at least four hours of overlap with the European working day.

Nice to have:

• Experience contributing to an authorization application that ultimately resulted in regulatory approval.

• Experience supporting safeguarding audits, including the remediation of a qualified audit opinion.

• Experience managing payment-system access or SEPA scheme adherence from a compliance perspective.

• Familiarity with cryptocurrency regulation, including the Markets in Crypto-Assets Regulation (MiCA) and Crypto-Asset Service Provider (CASP) requirements.

• Awareness of upcoming regulatory developments, including PSD3, the proposed Payment Services Regulation (PSR), and the transition to the Anti-Money Laundering Authority (AMLA) and Anti-Money Laundering Regulation (AMLR) framework.

• Relevant professional qualifications, such as the ICA Diploma in Governance, Risk and Compliance (GRC), Certified Anti-Money Laundering Specialist (CAMS), or an equivalent qualification.

Benefits:

• Fully remote working environment with a high degree of autonomy, flexibility, and minimal micromanagement.

• Direct collaboration with the Global Chief of Compliance and senior leadership, providing visibility into strategic regulatory decisions.

• Opportunity to contribute to a diverse regulatory portfolio spanning cryptocurrency services, payment institutions, and electronic money authorizations across European and UK markets.

• Meaningful professional impact, with regulatory documentation and analysis directly supporting supervisory engagement and authorization outcomes.

• A self-funded and financially stable business environment focused on sustainable growth rather than external investor pressure.

• Medical insurance to support employee health and well-being.

• Dedicated learning and development budget to support continued professional growth and regulatory expertise.

• Performance-based financial bonus linked to individual and organizational performance.

• English language classes to support communication and professional development.

• Regular team-building activities that encourage collaboration and connection across a distributed international workforce.

• Exposure to a technically sophisticated and rapidly evolving fintech and cryptocurrency environment.

• The opportunity to join a growing global compliance team where specialist knowledge, independent judgment, and regulatory expertise are valued.