Compliance Officer- Fintech & Emerging Technologies

We are looking for a highly skilled and experienced Compliance Officer to join pioneering financial services provider with a strong pan-African footprint in France. This role plays a key part in ensuring regulatory adherence in the fast-evolving fintech and digital assets space. If you're passionate about compliance, innovation, and navigating emerging regulatory landscapes, this is your opportunity to shape the future of financial services across Europe and Africa.

Your daily adventures include:

Regulatory Expertise :

• Maintain a thorough and up-to-date knowledge of European regulations, including but not limited to:
  

• Anti-Money Laundering and Combatting the Financing of Terrorism and Proliferation Financing Directives (AML/CFT,PF), sanctions and fraud regulations
  
• PSD2 (Payment Services Directive 2) and its implications for open banking and BaaS
  
• MiCA (Markets in Crypto-Assets Regulation)
  
• GDPR (General Data Protection Regulation)
  
• DORA (Digital Operational Resilience Act)
  
• French financial regulations (e.g., those issued by the ACPR and AMF)
  

• Monitor and analyze regulatory developments related to cross-border remittance, BaaS, Fintech, and digital/crypto assets, and assess their impact on the company's operations.
  
• Provide expert advice and guidance to the business on compliance matters, ensuring that new products and services are developed and implemented in accordance with applicable regulations.

Compliance Program Management:

• Develop, implement, and maintain a comprehensive compliance and financial crime program that addresses the specific risks associated with cross-border remittance, BaaS, Fintech activities, and digital/crypto assets.
  
• Establish and maintain robust policies, procedures, and internal controls to ensure compliance with regulatory requirements
  
• Conduct regular risk assessments to identify and evaluate compliance risks and develop mitigation strategies
  
• Contribute to the ongoing enhancement of due diligence processes
  
• Oversee and advise on the implementation of financial crime systems and controls
  
• Manage the internal and external audits.
  

Cross-Border Remittance Compliance:

• Ensure compliance with regulations related to cross-border payment services, including AML/CFT/PF requirements, sanctions, and reporting obligations.
  
• Develop and implement procedures for customer due diligence (CDD) and enhanced due diligence (EDD) in cross-border transactions, BaaS, Fintech activities, and digital/crypto assets
  
• Monitor cross-border payment flows to detect and prevent suspicious activity
  

BaaS Compliance :

• Ensure that our BaaS offerings comply with all relevant regulations, including those related to licensing, consumer protection, and data security.
  
• Develop and implement compliance frameworks for partner banks and Fintech companies using our BaaS platform.
  
• Oversee the compliance of third-party providers involved in the BaaS ecosystem.
  

Fintech Compliance:

• Address the unique compliance challenges posed by innovative Fintech solutions, such as mobile payments, online lending, and alternative finance.
  
• Ensure compliance with regulations related to AML/CFT/PF and Sanctions, consumer protection, data privacy, and cybersecurity in the context of Fintech activities.
  

Digital/Crypto Asset Compliance:

• Ensure compliance with evolving regulations governing digital and crypto assets, including AML/CFT/PF requirements, licensing obligations, and investor protection measures.
  
• Develop and implement procedures for customer identification, transaction monitoring, sanctions screening and risk management related to digital/crypto asset transactions.
  
• Stay abreast of the latest developments in the regulatory landscape for stablecoins and other emerging crypto-assets.
  

Regulatory Reporting and Liaison:

• Prepare and submit regulatory reports to relevant authorities in a timely and accurate manner.
  
• Act as a primary point of contact for regulatory inquiries and examinations.
  
• Report suspicious activities to the local Financial Intelligence Unit (TRACFIN).
  
• Maintain effective relationships with regulatory bodies, industry associations, and other stakeholders.
  

Training and Awareness:

• Develop and deliver compliance training programs for employees to ensure a strong culture of compliance throughout the organization.
  
• Promote awareness of compliance requirements and best practices.
  

Requirements

What it takes to succeed:

• Master's degree in Law, Finance, Economics, or a related field.
  
• Relevant professional certifications (e.g., Certified Compliance Professional, Certified Anti-Money Laundering Specialist (CAMS) are highly desirable.
  
• Minimum 5-7 years of experience in a compliance role within the financial services industry, with a focus on cross-border remittance, BaaS, Fintech, or digital/crypto assets.
  
• Proven experience in dealing with European regulatory authorities.
  
• Fluency in French and English is essential.
  
• Proven experience with development and application of internal policies and procedures in a financial service provider.
  
• Deep understanding of European and global regulations related to financial services, with specific expertise in cross-border remittance, BaaS, Fintech, and digital/crypto assets.
  
• Strong analytical, problem-solving, and risk management skills.
  
• Excellent written and verbal communication skills in French and English.
  
• Ability to work independently and as part of a team.
  
• Strong ethical standards and a commitment to maintaining the highest level of integrity.
  
• Proficiency in compliance software and tools.
  
• Experience working in a Fintech company or a financial institution with a strong focus on innovation.