Lead Regulatory Officer

Overview

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—like 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).

Job Description

Lead Regulatory Officer – you will be a key partner at the heart of Swan’s Compliance Framework. Your mission is to advise Swan’s teams on all regulatory matters related to banking activities, ensuring that business decisions and product developments are fully aligned with applicable legal and regulatory requirements. You will be responsible for maintaining ongoing regulatory watch (excluding anti-money laundering and counter-terrorist financing topics), enabling Swan to anticipate regulatory changes and adapt its practices accordingly. In close collaboration with the Legal team, you will contribute to the negotiation, execution, and continuous improvement of partnership and supplier agreements, as well as to the drafting and regular update of general and specific terms and conditions applicable to users entrusting their funds and payments to Swan. Acting as the main point of contact for the Risk team, you will play a central role in supporting the deployment and evolution of Swan’s products, ensuring that regulatory considerations are embedded from design to launch. You will also ensure that all products marketed by Swan remain compliant with applicable regulations, contributing to the robustness of internal processes and control frameworks. This role is designed for someone who thrives at the intersection of business, product, and regulation, with strong judgment, a pragmatic mindset, and the ability to deliver clear, actionable guidance to operational teams.

Responsibilities

• Advise Swan’s teams on all banking regulatory matters
• Ensure ongoing legal and regulatory monitoring, excluding topics related to anti-money laundering and counter-terrorist financing
• Contribute, in close collaboration with the Legal team, to the execution and continuous improvement of partnership and supplier agreements
• Contribute, in close collaboration with the Legal team, to the update and continuous improvement of general and specific terms and conditions applicable to users entrusting their funds and payments to Swan
• Act as the main point of contact for the Risk team in managing the deployment and continuous improvement of Swan’s products
• Ensure the compliance of the products marketed by Swan with applicable regulatory requirements