Compliance Business Officer (Payments & Customer Protection)

Requirements

• At least 3 years of experience in a product compliance role within a financial institution, regulated fintech, payment institution, or e-money institution
• Expertise working with card transactions, regulations and SEPA rules
• Experience in advising business stakeholders on compliance matters
• Ability to interpret regulatory requirements and translate them into clear, practical, and business-oriented guidance
• Strong analytical and synthesis skills, with the ability to identify risks, exercise sound judgement, and formulate pragmatic recommendations
• Excellent communication skills, with the ability to engage effectively with a wide range of stakeholders
• A rigorous, proactive, and solutions-oriented approach

What the job involves

• As a Compliance Business Officer at Spendesk, you will play a key role in embedding compliance into business decision-making, product development, and day-to-day operations
• Reporting to the Director of Risk & Compliance, you will work directly with Product Development team, draft compliance requirements for new features, and ensure product compliance
• You will also partner up with Commercial, Operations, Legal, and other business teams to assess regulatory implications, provide actionable guidance, and support the design of compliant processes and offerings
• This is a highly cross-functional role that requires strong regulatory expertise, sound judgement, and the ability to balance compliance expectations with business needs in a pragmatic and collaborative way
• Assess the regulatory implications of new products, services, and business initiatives, and partner with product and business teams to embed compliance requirements from discovery through development
• Identify potential compliance risks associated with existing or new offerings, and recommend appropriate mitigation measures
• Review and validate commercial and communication materials to ensure they are aligned with applicable regulatory and compliance requirements
• Contribute to the design, implementation, and continuous improvement of compliance policies, procedures, and guidance in collaboration with cross-functional stakeholders