Business Compliance Officer, UK & EU – Global Payment

Business Compliance Officer, UK & EU – Global Payment

Location: London

Employment Type: Regular

Job Code: A256713

Responsibilities

• Regulatory Licensing & Authorization – lead end‑to‑end credit broker and lender license applications in Germany, France, Italy, Spain, Netherlands, and UK for BNPL, personal loans, and merchant financing; manage FCA Temporary Permissions Regime registration for Deferred Payment Credit by 15 May 2026; coordinate with national regulators (BaFin, ACPR, OAM, Bank of Spain, AFM, FCA); maintain license compliance, including renewals, reporting and supervision; monitor PSD3/PSR and CCD2 implementation; ensure FOS jurisdiction compliance for all regulated credit agreements.
• Channel Partnership Compliance – develop and implement compliance frameworks for the bank partnership model, specifying roles and liabilities for BNPL, personal loan and merchant financing; establish due‑diligence, monitoring and audit processes for banks, payment processors and merchant onboarding providers; ensure compliance with FCA third‑party reporting rules (March 2027) and EU outsourcing guidelines; negotiate contractual compliance provisions and oversee merchant due‑diligence and monitoring.

Qualifications

• Minimum: 5+ years of compliance experience in consumer lending, payments or BNPL; proven track record of obtaining and maintaining credit broker or payment services licences in at least two EU jurisdictions; hands‑on fintech‑bank partnership experience; deep knowledge of EU and UK financial services regulation; strong project management and communication skills.
• Preferred: Bachelor’s degree in Law, Business, Finance or related field; professional certifications such as CRCM, CCP, CPCO; experience launching BNPL or POS financing in EU/UK markets; knowledge of RegTech and compliance management systems; experience with FOS complaints handling and regulatory examinations.

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