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

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Compliance Officer (Regulatory Focus), E-Money & Payments based in United States. As a Compliance Officer specializing in e-money and payments regulation, you will play a key role in managing regulatory authorizations, safeguarding frameworks, and ongoing compliance obligations across European and UK markets. You will work closely with senior compliance leadership to prepare robust regulatory submissions, develop governance documentation, and ensure payment activities meet evolving legal and supervisory requirements. Operating at the intersection of fintech, cryptocurrency, and traditional payments, you will contribute to complex regulatory initiatives with significant business impact. You will take ownership of regulatory analysis, policy drafting, regulator correspondence, and the implementation of effective internal controls. In this remote-first environment, your expertise and written work will directly support regulatory engagement and the organization's ability to expand its payments capabilities. This opportunity is ideal for an experienced regulatory compliance professional who values autonomy, technical depth, and meaningful responsibility within an international fintech team. Accountabilities - 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.