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

• 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 under 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 • European engagement location with a minimum four-hour overlap with the European working day • 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