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

PAYBIS Ltd. Latvijas filiāle

Apraksts
Pamatinformācija
Uzņēmums

About Paybis

Paybis is a global fintech operating at the intersection of crypto and traditional payments. Since 2014 we have been building products that help people and businesses buy, sell and exchange cryptocurrency. We serve 8.5M+ customers across 180+ countries and are self-funded, with ~200 people across Europe, UK, Ukraine and the US.

We hold a MiCA CASP authorisation and a Payment Institution (PSD2) licence in Latvia — one of a small group in Europe holding both — alongside FinCEN MSB and FINTRAC registrations. Two EMI authorisations are now in flight.

About the role

This role owns the e-money and payments side of our regulatory pipeline: live EMI regulatory workstreams in the EEA (Latvijas Banka) and the UK (FCA), the safeguarding framework at the centre of both, and the post-authorisation obligations.

You report to the Global Chief of Compliance. The core of the work is regulatory drafting and analysis — governance and safeguarding narratives, internal control system descriptions, policies and procedures, regulatory gap analyses and responses to regulators — written independently and defensible under regulatory challenge. This is not an MLRO or transaction-monitoring role; day-to-day AML operations sit with the MLRO and the analyst team.

What you'll own

EEA EMI regulatory workstream with Latvijas Banka: governance and internal control system descriptions, policies and procedures, own funds and wind-down documentation, regulator correspondence and RFI cycles
UK EMI regulatory workstream with the FCA: governance, safeguarding under the FCA's current safeguarding rules, and the AML governance narrative for the file
The safeguarding framework across both perimeters: method, segregation, reconciliation and evidence, breach reporting, audit readiness
Post-authorisation implementation and evidencing of our Latvian PI (PSD2) licence and its obligations
Regulatory assessment of payment products, payment-flow changes, agent and distributor arrangements, and outsourcing
Gap analyses, thematic reviews, remediation plans, and verification that approved controls operate in practice

Must have

5+ years in regulatory compliance (authorisation, licensing, policy and governance drafting), including 3+ years inside an EEA or UK e-money or payment institution authorised by a national competent authority. Operational AML or transaction-monitoring experience alone does not meet this requirement.
Hands-on experience of an e-money or payments authorisation framework — EEA EMI/PI (EMD2/PSD2) or UK EMRs/PSRs — taken through submission and regulator review
You have personally drafted governance/ICS narratives, policies or safeguarding documentation for an authorisation file, and can name the regulator and what it pushed back on
Safeguarding: you have drafted or owned a safeguarding framework and can explain method, reconciliation and evidence
Working knowledge of EMD2/PSD2 and the UK e-money and payments regime: authorisation conditions, own funds, agents and distributors, outsourcing, wind-down
Working knowledge of DORA, AMLD/FATF standards, sanctions, outsourcing and governance requirements
Ability to navigate primary legislation and guidance independently, and to tell mandatory requirements apart from risk appetite
Fluent professional English with excellent written drafting

Nice to have

An authorisation granted on a file you drafted
Safeguarding audit experience, including remediation of a qualified opinion
Payment-system access or SEPA scheme adherence handled from the compliance side
Genuine crypto exposure alongside payments (MiCA/CASP)
Awareness of PSD3/PSR and the AMLA/AMLR transition
ICA Diploma in GRC, CAMS or comparable

Process

HR interview (60 min) interview with the Global Chief Compliance Officer (60 min) reference checks.

Mēneša bruto algaBruto mēnesī € 3000 - 4000

Papildu informācija: Self-funded, stable company without investor pressure Medical insurance, L&D budget, performance based financial bonus, english classes, regular team-building activities Fintech + crypto domain — technically and legally complex, always evolving

Atrašanās vieta

Rīga, Latvija
Brivibas iela
Hibrīddarbs

Darba veids

Pilna slodze
Elastīgs darba laiks

Valodas

Angļu
Latviešu

Kontaktpersona
Alexandra Poddubnaya

Paybis.com is a leading digital & cryptocurrency exchange platform founded in 2014. Our goal is to allow any person around the globe to buy or sell crypto and digital currencies in a quick, easy, and hassle-free fashion. Throughout our existence, we have already grown to a company of 100+ employees and are recognized as one of the most prominent businesses in the crypto industry. Working at Paybis.com gives employees an amazing opportunity to dive into a new and trending fintech industry and learn more about the era of the new financial world. Paybis head office is based in Riga, Latvia and our international team of professionals comprises more than 10 different nationalities. Our workforce consists of highly skilled and talented professionals, bringing their A-game to work every day and reinforcing our core values:

Professionalism in everything we do
Strong result-orientation
Work- life balance

Do you share our passion and want to dive into the trending crypto industry? Learn more about the era of the new financial world? Submit your resume today and join the team.