Senior Regulatory Compliance Officer

The Opportunity

Our client, an innovative, tech-driven financial services provider, seeks a Senior Regulatory Compliance Officer to strengthen its second line of defence. Sitting close to the Head of Compliance, you'll drive a risk-based compliance programme, translate regulation into practical processes, and embed a strong culture of accountability across the business.

R77 Global is supporting this search exclusively.

Key Outcomes (What success looks like)

• A fit-for-purpose, risk-based Compliance Framework that is understood and used by the business.
• A living Compliance Obligations Register with clear ownership, controls, and evidence trails.
• A delivered and evidenced Compliance Monitoring & Testing Plan with actionable findings and closure.
• On-time, accurate regulatory submissions and clean outcomes on supervisory interactions.
• Clear, concise MI/Board reporting that drives decisions and remediation.

What Youll Do

Framework, Governance & Risk

• Maintain and evolve the risk-based Compliance Framework aligned to MFSA rules, FIAU Implementing Procedures, CBM guidance, and EBA/ECB expectations.
• Own the Compliance Obligations Register; assess inherent/residual risk, define controls, and track remediation.
• Lead policy lifecycle management (drafting, gap analysis, approvals, versioning, communication).

Monitoring, Reporting & Regulatory Engagement

• Plan and execute the annual Compliance Monitoring & Testing Plan; track findings to closure.
• Manage the regulatory reporting calendar and submissions with zero-defect standards.
• Monitor regulatory change (MFSA, FIAU, CBM, EBA/ECB, EU) and run impact assessments, ensuring timely implementation by first-line owners.
• Coordinate responses to supervisory queries, thematic/on-site inspections, and internal audit.

Advisory, Enablement & Culture

• Act as a subject-matter advisor to Product, Operations, Risk, Finance and Technologyturning rules into pragmatic controls and processes.
• Prepare periodic Compliance MI for Management and the Board, including KRIs/KCIs and trend analysis.
• Design and deliver targeted compliance training (e.g., conduct, AML/CFT awareness, regulatory updates).

Change, Projects & Emerging Requirements

• Support change initiatives (new products, markets, vendors) from a compliance perspectivecovering due diligence, outsourcing oversight, and conduct risk.
• Contribute to readiness for evolving frameworks (e.g., PSD2/EMD2, DORA/ICT risk, sanctions, fraud/transaction monitoring expectations).
• Champion continuous improvement and automation within GRC/compliance tooling.

What Youll Bring

• 4+ years experience in Compliance within financial services (EMI/PI/Bank/Fintech preferred).
• Strong grasp of PSD2, EMD2, the Financial Institutions Act/Rules, FIAU Implementing Procedures, and EBA guidelines; familiarity with DORA/ICT obligations is a plus.
• Demonstrated experience designing/operating compliance risk assessments, control frameworks, and monitoring/testing plans.
• Comfortable translating regulatory requirements into clear business processes and SOPs.
• Exposure to payments value chains (e.g., bank transfers, cards, APMs, PISP) and related risks.
• Excellent written and verbal English; able to craft crisp Board-level MI and policies.
• Organised, detail-driven, and effective under time pressure; strong stakeholder management skills.
• Experience with supervisory interactions (on-site/thematic inspections) and internal audit follow-ups.

Nice to Have

• ICA/ACAMS or similar compliance qualification.
• Experience supporting MFSA PQ submissions and committee interactions.
• Hands-on with GRC/compliance platforms and data-driven MI dashboards.