Senior Compliance Officer

The role is an office-based role, based out of the Company’s offices in London.

The position provides an exciting opportunity to work on an international stage, alongside household names, and join a rapidly growing FinTech company making a real impact on the lives of people in developed and emerging markets alike.

The ideal candidate should be someone who has previously held senior payments’ compliance roles in organisations like:

• Payment Services Providers (incl. MTOs, acquiring PSPs)
• Banks or Financial Institutions
• Traditional banks active in the digital payments space
• Neo-banks (e.g. Monzo, Revolut and the likes)
• BaaS actors (Banking as a Service like Cybrid, Plaid)
• Crypto assets actor (e.g. exchange, liquidity provider, blockchain infrastructure)

KEY RESPONSIBILITIES

Supporting the business

• Reviewing the adequacy of Customer Due Diligence (CDD), Know Your Customer (KYC), Know Your Business (KYB), source of funds, client information, client profiling and suitability during the account opening process - ensuring that financial crime risks are assessed and mitigated, meeting all best practice, regulatory and statutory requirements.
• Provide guidance and support to senior management and the board regarding the firm's risk-based approach to AML/CTF.
• Support and manage client reviews (sometimes onsite) conducted by Thunes as part of enhanced due diligence activities.

Compliance risks management

• Conduct regular risk assessments to identify potential money laundering and terrorist financing risks and assess the effectiveness of the controls that the firm has put against these risks.
• Working with the business to ensure that the firm establishes and maintains appropriate policies, procedures, systems and controls, monitoring reviews and support for external regulatory obligations.
• Develop and strengthen relationships to promote best practice and ensure a good understanding of Financial Crime requirements.
• Contribute to the design of the Policies and the Compliance Programme.
• Execute the Compliance Monitoring Programme by producing quality reviews.
• Report to management on levels of compliance assurance (including KPI/KRIs and trend indicators), external provider performance and/or any issues arising from specific monitoring activity.

Liaison with regulators

• Liaise with local law enforcement and regulators to resolve issues - investigating any suspicion raised for a suspicious transaction, in consultation with MLRO and preparing SAR reports to UK FIU (NCA).
• Providing support to line management in its liaison with regulators, auditors (internal & external) other group companies and external organisations where appropriate.
• Build and maintain positive communications with financial regulators and other critical stakeholder relationships.

Training

• Provide Financial Crime education, awareness and training to the business as required.
• Work with L1 and L2 to promote and embed a culture of compliance across Thunes, particularly in AML/CTF and Sanctions.

SKILLS/QUALIFICATIONS

Experience & Knowledge

• At least 5 years of professional experience as Compliance in the payment industry.
• Master 2 University Degree or equivalent in Law, Criminal Law, Business Law.
• Clear and sound knowledge about the laws and regulations application to a FCA-licensed API & EMI in the United Kingdom.
• Expertise in compliance areas within a financially regulated company including namely AML/TF, Risk & Permanent Control, Consumer Duty and APP fraud reimbursement.
• Business-minded and able to support the development of innovative payment services.
• Expertise with Crypto is a strong plus.

Skills & Competencies

• Experience working in an international and diverse environment.
• Excellent written and verbal communicator both in English, Spanish speaking is a plus.
• High level of autonomy and proactivity.
• Ability to work well under pressure, different priorities, and tight deadlines.
• Collaborative work approach.

CAMS & ICA Dip would be preferred