Risk & Compliance Lead - Payments

About the role

The Risk & Compliance Lead for Payments plays a key role in designing, implementing and continuously improving Outpayce's Risk & Compliance framework. Reporting to the Head of Compliance, the role identifies and manages regulatory, financial and reputational risks and promotes a strong compliance culture. It works closely with Product, Operations, Legal, Risk, Finance, Internal Audit, Industry Affairs and other functions, and engages with regulators, industry bodies and external assurance providers.

Key responsibilities

• Monitor compliance with laws, regulations, policies and procedures, escalating incidents or control weaknesses to the Head of Compliance.
• Design and run second-line controls for AML/CTF, sanctions and other financial-crime risks, and track remediation.
• Assess new products, services and initiatives for regulatory and compliance risks and define mitigations.
• Coordinate internal and external compliance audits, regulatory assessments and assurance reviews, including evidence collection and closing findings.
• Prepare and coordinate risk and compliance reporting for senior management, committees and the Board.
• Oversee selected compliance operations such as customer service governance and complaints handling, regulatory submissions, whistleblowing, conflicts of interest, criminal-records governance and compliance website content.
• Support the governance of the Risk & Compliance Office through committee coordination, reporting, action tracking and stakeholder management.
• Maintain and review compliance policies, manuals and procedures, and deliver compliance training.
• Act as the focal point for Industry Affairs and represent the company in industry associations and forums.

Required profile

• Bachelor's degree in Law, Economics, Finance, Accounting or a related field.
• At least five years of multi-jurisdictional compliance experience in financial services, payments or fintech.
• Experience in general compliance and an understanding of non-financial risk management.
• Proven ability to turn regulatory requirements into practical controls, and experience coordinating audits, regulatory reviews or remediation programmes.
• Excellent written and verbal English; Spanish highly desirable, French or German an advantage.

Required skills

• Good knowledge of payment-services regulation, including SAC, PSD2/PSD3, outsourcing and data protection.
• Strong stakeholder management, analytical and problem-solving skills.
• Proficiency in standard office applications and familiarity with GRC, screening or sanctions tools.