Compliance Expert (Regulatory) Madrid

Mangopay is a wallet-based payment infrastructure built specifically for organisations with complex, multi-party fund flows. A pioneer in multi-party payments.

Our solution optimises fund flows on behalf of the organisations we work with using wallets as programmable, composable building blocks.

Mangopay’s regulated platform collects payments, secures transactions and holds funds, splits money between the various parties in the funds flow, and ultimately manages the payout to service providers, sellers, and consumers.

Platforms and fintechs using Mangopay regain control and transparency over multi-party payment flows , generate additional revenue, and improve operational efficiency. They can stay compliant while innovating and scaling.

Our team of 300+ people is spread across offices in Madrid, Paris, Warsaw, Berlin, Luxembourg and London. We're looking for talented individuals to join us in tackling the exciting challenges ahead.

At Mangopay, you’ll be part of a supportive, diverse team committed to building scalable solutions and driving change in the fintech space!

Job Description

We are seeking a highly skilled and motivated Regulatory Compliance Expert to join our organization. The Regulatory Compliance Expert will be responsible for overseeing and ensuring the effective implementation of regulatory compliance initiatives, with a primary focus on Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) obligations. The ideal candidate will possess a strong understanding of regulatory requirements, have excellent analytical and communication skills, and be able to work collaboratively across various departments.

Responsibilities

• Establish and maintain internal controls to ensure compliance with AML/CTF obligations, including conducting regular reviews and assessments.
• Prepare and submit annual AML/CTF reports to relevant authorities, ensuring accuracy and timeliness.
• Reliance Framework Design: Develop and maintain the global policy for KYC Reliance, ensuring compliance with specific jurisdictional provisions.
• Act as the Subject Matter Expert (SME) during audits and regulatory examinations, defending our Reliance model and proving the efficacy of our testing protocols.
• Develop and update policies and procedures related to AML/CTF compliance, in line with regulatory guidelines and best practices.
• Design and implement a comprehensive training plan on AML/CTF, whistleblowing, conflict of interest, and anti-bribery and corruption, ensuring all employees are educated on compliance requirements.
• Collaborate with internal stakeholders to ensure effective dissemination of compliance policies and procedures throughout the organization.
• Act as the primary point of contact for internal and external auditors, coordinating audit activities, responding to inquiries, and addressing findings or recommendations.
• Monitor regulatory changes, assessing their impact on the organization, and proactively implementing necessary updates to policies, procedures, and training materials.
• Conduct periodic risk assessments to identify potential compliance gaps and develop strategies to mitigate risks.
• Stay informed about industry trends, best practices, and emerging regulatory requirements related to AML/CTF, and provide recommendations for process improvements or enhancements.

Qualifications

• Bachelor’s degree in Business, Law, Finance, or related field.
• Minimum 5 years of Compliance experience within banking, payments, EMI or acquiring institutions.
• Proven track record in regulatory compliance with strong focus on AML/CTF, ideally including leadership or coordination responsibilities.
• Solid expertise in AML/CTF regulations, guidelines, and industry best practices, plus a broad understanding of financial services regulation.
• Strong grasp of internal control frameworks and risk management principles.
• Demonstrated ability to draft and maintain policies, procedures, and compliance reports.
• Excellent analytical and problem-solving skills, with high attention to detail.
• Excellent written and verbal communication in English and French, comfortable managing multiple priorities in a fast‑changing regulatory environment.
• Knowledge of Salesforce and compliance/financial crime tools (fraud, AML, analytics solutions) is a plus.

We care about equal employment opportunities, so all qualified applicants will receive equal consideration regardless of their race, colour, religion, sex, sexual orientation, gender perception or identity, national origin, age, marital status, protected veteran status, or disability status.