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

• 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.

Readiness
FinTech
Cards
Management Skills
Outsourcing
Gap Analysis
Operations
Compliance
Search
Analysis
Oversight
Financial Services
Closure
Due Diligence
Regulatory Requirements
Internal Audit
Approvals
Regulatory Compliance
Ownership
Accountability
Stakeholder Management
Continuous Improvement
Automation
Payments
Vendors
Pressure
Testing
Finance
Design
Business
English
Training
Communication
Management