Head of Regulation, AML and Compliance - DH Pay

We are now looking for a Head of AML, Regulatory and Compliance, to join us and take over this challenge at our Athens based office. The role includes responsibility for our licensed payment institution's AML, Regulatory and Compliance affairs, overseeing of all compliance matters of the firm, including matters relating to anti-money laundering and counter-terrorism financing (AML/CTF), licensing requirements, sanctions compliance, third-party risk management, and communication with the local regulator and/or other regulatory authorities involved in our operations.
This is a high-impact role reporting to the Managing Director of the firm as well as to the Board of Directors, following the applicable regulatory guidelines.
What you’ll do
Lead the development, gap analysis, implementation, and ongoing monitoring/management of a comprehensive compliance program, inter alia related to Payment Services Directives 2 and 3 (PSD2/PSD3), Anti-Money Laundering and Countering Terrorist Financing (AML/CTF), Card Scheme Compliance, compliance enterprise risk assessments, fraud, anti-bribery and corruption, conflicts of interest, data privacy regulations, cybersecurity regulations, industry’s best practices and regulator’s specific guidelines to protect customer data and streamline financial transactions.
Build, execute, and maintain a comprehensive fit-for-purpose AML program that is aligned with the firm's expectations, regulatory guidelines and European (AMLA) compliance developments (RTS) related to our business and oversee all aspects of AML compliance, including:
AML risk assessment
Evaluation and update of internal Customer Due Diligence (CDD) and Know Your Customer (KYC) policies and procedures
Transaction and account monitoring
Enhanced due diligence and Suspicious Activity Reporting (SAR)
Screening (sanctions, PEP, adverse media, applicable local lists)
Regulatory reporting
Training on AML policies and guidelines.
Promoting a group wide AML/KYC compliance culture by interacting with various stakeholders across levels.
Lead any regulatory assessment related to the maintenance and expansion of scope of our payments business, effective distillery of regulatory requirements and translation into business language and practical action plans, coordinate periodic internal and external audits, relevant findings’ management, third-party inquiries, substantial experience on working closely with regulators to ensure the company is compliant.
Contribute to the passporting expansion of the payment services to other European countries to secure all fillings’ and associated documentation content compliance with regulatory prerequisites, development and implementation of new payment products and services (e-wallets, buy now pay later, etc.), assess and advise on tooling choices, and contribute to cross-departmental projects providing compliance advice and guidance to relevant stakeholders (e.g., Sales, Product, Operations).
Effective monitor wider governance matters by contributing to the periodic Board and General Assembly Minutes, contract reviews or commenting, as well as other regulatory input to ensure that necessary compliance language is properly addressed, and handle ad hoc regulatory/governance requests (e.g. fit and proper questionnaires, asset declarations, etc).
Champion a strong culture of compliance within the organization, fostering a risk-aware environment while ensuring innovation coincides with responsible practices.
Stay up-to-date on evolving regulations and emerging technologies in the fintech space, proactively identifying potential impacts and implementing necessary program updates in all applicable areas of responsibility and jurisdictions.
University Degree in Law, Economics, or a related field.
8+ years of AML, regulatory and/or compliance experience, in a financial institution (e.g. Bank, PI, eMI, other). Additional experience in advisory practice and/or CAMS or other AML certification is a strong plus.
Ability to effectively manage directly a team of people working in AML and regulatory affairs while also cooperating with cross-functional teams and senior executives from diverse backgrounds and disciplines.
Proven track record in developing, implementing, and managing AML programs and overseeing compliance projects and assurance services (audit or similar) in the financial services industry.
Experience managing relationships and effectively handling communications with regulatory authorities.
Excellent analytical, problem-solving, communication, and interpersonal skills, along with ability to perform under pressure in a dynamic and diverse environment.
Excellent command of Greek and English (written and spoken).

Employment type
Full-time

Work arrangement
Hybrid