Head of Compliance / Senior Compliance Officer

PayPilot is a rapidly growing fintech group managing innovative payment and cryptocurrency products across international markets. Our current ecosystem includes: B2C: Digital wallets, payment cards, and IBAN accounts for individuals, B2B: Wallets, corporate cards, and business IBAN solutions.  PSP: A proprietary payment gateway, supporting local European payment methods and dedicated corridors (including India).

With 3+ licenses already secured, the group is aggressively expanding its product line, infrastructure, and geographical footprint. We are looking for an experienced compliance professional who thrives in a fast-paced environment, takes end-to-end ownership, and wants to build a global fintech leader. This is a unique opportunity to join our core team at a critical growth stage and scale alongside the company.

We are open to two profiles for this position:

1. An experienced Head of Compliance ready to lead hands-on, execute key tasks personally, and scale the department.
2. A strong Senior Compliance Officer with high potential and the drive to quickly step up into a functional leadership role. 

We need a practical expert who deeply understands high-risk PSP operations, banking and provider requirements, crypto flows, and knows how to find secure, compliant pathways to enable business growth. The role requires a "roll-up-your-sleeves" attitude; while compliance frameworks are already in place, you will need to optimize them, increase execution speed, and build systematic team management. 

Responsibilities

• Bank & PSP Onboarding: Drive the company's onboarding into tier-1/major banks and payment providers. Prepare documentation, map out business models/funds flows, handle RFIs, and coordinate stakeholders until successful approval.
• Process Acceleration: Proactively identify documentation gaps, build high-quality application packages, and systematically minimize processing times and follow-up requests.
• UBO Source of Funds (SoF/SoW): Gather, verify, and compile bulletproof Source of Funds / Source of Wealth files for ultimate beneficial owners to support licensing and partner due diligence.
• Licensing Support: Partner with the Legal team and external consultants to draft compliance policies, procedures, and official responses for EMI, CASP, and other regulatory frameworks.
• Regulatory Compliance: Maintain and ensure ongoing compliance with existing licenses, tracking deadlines, obligations, and necessary policy updates.
• Product Compliance (B2C & B2B): Enhance and scale core frameworks, including KYC/KYB, AML/CFT, sanctions screening, risk assessments, transaction monitoring, and escalation procedures.
• Partner Compliance Frameworks: Align on compliance distribution models with partners, setting merchant/client criteria, permissible fund flows, and data exchange processes.
• Partner Terms Control: Ensure company operations strictly align with banking/provider terms, market limitations, client categories, and transaction limits.
• Team Management: Allocate tasks, lead daily/weekly syncs, establish KPIs, manage performance via OKRs, and maintain high-quality delivery across the team.
• AI & Automation Integration: Leverage AI tools to speed up document analysis, reporting, and drafting responses while maintaining strict data confidentiality and verifying all outputs. 
  Required Experience & Skills

PSP Background: Proven track record in a core compliance role with operational ownership within a large PSP.

• High-Risk Operations: Practical understanding of high-risk PSP dynamics, merchant risk, high-risk provider relationships, and interactions with acquirers/banks.
• Onboarding Track Record: Direct experience onboarding into major entities like Paysafe, Stripe, or Rapyd (the recruiter will ask to clarify your exact personal role and the outcome of these processes).
• Crypto Expertise: Hands-on experience working with and assessing cryptocurrency flows (crypto flows).
• Banking Insights: Deep understanding of how banks assess PSPs (business models, underlying clients, origin of funds, payment chains, and internal control systems).
• Regulatory Knowledge: Solid understanding of EMI frameworks and basic knowledge of CASP regulations.
• Digital Wallets: Familiarity with wallet products and their specific compliance/operational risks.
• Core Compliance Operations: Strong practical experience in KYC/KYB, AML/CFT, sanction checks, transaction monitoring, and SoF/SoW verification.
• Leadership: Experience leading a compliance team or independently managing a major, multi-task operational stream.
• AI Tool Proficiency: Competency in using AI tools for document comparison, structuring information, and drafting procedures, combined with strong analytical skills to verify facts and protect data privacy.
• Language: Fluent/Business professional English (written and spoken) for negotiations, RFIs, and legal documentation with regulators and partners. 
   

Location: Based in Europe or the UK (working in a close time zone).

Preferred Location: Cyprus