Compliance Monitoring Officer

Hello. We’re Teya. Teya was founded on a simple belief: local businesses deserve better. They are the cafés, restaurants, salons, shops and entrepreneurs that bring character to our high streets, create jobs and keep communities moving. Yet for too long, financial services has made life harder for them - with clunky tools, poor support and complexity that gets in the way of running a business. Teya exists to change that. We’re building a financial platform for local businesses across Europe - one built around simple tools, thoughtful design and real human support. Our Members rely on us to help them run their business with confidence, and that responsibility shapes the way we work. We move fast. We care about quality. We stay close to the detail. And we believe great performance and genuine hospitality should go hand in hand. If you want to build meaningful products, solve real problems and make a genuine difference for local businesses, we’d love to hear from you Your Mission: At Teya, we’re building the future of fintech for small businesses, and our Compliance and Financial Crime team is at the core of that journey. As a Senior Compliance Officer you will strengthen our second-line function, bringing regulatory product oversight to ensure compliance robustness while enabling growth. You will collaborate closely across first-line Operations, Product, Legal, and Risk teams to uphold our standards and safeguard integrity in a high-growth environment. In this role, you will: * Product Compliance & Advisory - Partner with Legal, Product, Risk, Operations, and Credit teams from the earliest stages of product development to ensure regulatory compliance is built into the design, delivery, and scaling of new offerings. Provide strategic guidance that balances innovation with regulatory integrity. * Regulatory Support for Global Expansion - Assess and advise on regulatory and licensing requirements in new markets. Develop practical solutions to meet local compliance obligations, including consumer protection standards and operational controls to support cross-border growth. * Regulatory Reporting & Engagement - Lead and coordinate all regulatory filings, disclosures, and responses to governmental and supervisory bodies. Ensure timely, accurate, and complete submissions while maintaining strong relationships with regulatory stakeholders. * Policies, Controls & Operational Oversight - Regularly review and update compliance policies, procedures and control frameworks. Monitor and test business operations to identify weaknesses, drive remediation and implement improvements that enhance efficiency and reduce risk. * Regulatory Change Management - Stay ahead of evolving regulatory developments across relevant jurisdictions. Interpret changes, develop actionable internal guidance, deliver training and ensure effective implementation across business functions. * Monitoring, Audits & Thematic Reviews - Design and conduct thematic compliance reviews and targeted audits (e.g., treatment of vulnerable customers, complaints handling, operational resilience). Deliver clear, insightful reports with root cause analysis and actionable recommendations. Your Story: * 5/6+ years of relevant experience in Compliance, ideally in fintech, digital banking, credit or financial services. * University degree in Law, Finance, Business Administration, Accounting, Economics, or a related field. * Strong knowledge of UK/EU regulations, e.g. (PRA OR FCA OR EBA OR PSD2 OR CRD), or local EEA supervisory regulations. * Excellent written and verbal communication skills, including preparation of clear, concise memos, processes, policies and regulatory communications. * Demonstrated ability to drive process improvement, such as analysing workflows, identifying inefficiencies, and recommending enhancements to tools, policies, or procedures. * Whilst not required, professional certifications such as CAMS, ICA Advanced AML, CFCS and strong data or analytical skills (e.g. SQL, Excel) are desirable. Teya is proud to be an equal opportunity employer. We are committed to creating an inclusive environment where everyone regardless of race, ethnicity, gender identity or expression, sexual orientation, age, disability, religion, or background can thrive and do their best work. We believe that a diverse team leads to better ideas, stronger outcomes, and a more supportive workplace for all. If you require any reasonable adjustments at any stage of the recruitment process whether for interviews, assessments, or other parts of the application—we encourage you to let us know. We are committed to ensuring that every candidate has a fair and accessible experience with us.

WHO WE ARE ABOUT STRIPE Stripe is a financial infrastructure platform for businesses. Millions of companies – from the world’s largest enterprises to the most ambitious startups – use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career. ABOUT THE TEAM Stripe's Financial Crimes, Compliance and Risk Oversight (FinCRO) organization serves as Stripe's second line of defense, ensuring we operate as a responsible steward of the global financial ecosystem. Within FinCRO, the Product Enablement team sits at the intersection of compliance and product — partnering directly with product and engineering teams to build innovative, compliant financial products from the ground up. WHAT YOU’LL DO We’re looking for a Product Compliance and Enablement Advisor experienced in the fintech and payments industry to partner closely with cross-functional stakeholders to design and enhance Stripe’s products in a way that both delights users and meets all relevant compliance obligations.  You will embed with Stripe’s product teams, building new and innovative products to help identify, track and implement compliance requirements, while supporting those teams in building and deploying monitoring tools to ensure ongoing compliance. The role provides an excellent opportunity for a talented candidate to deploy their cross-functional product compliance skills in a fast-paced and rigorous environment, enhance their compliance skills, and to carve out opportunities to grow and develop. The successful candidate will gain wide-ranging exposure to Stripe's diverse range of business lines, senior leadership, and the governance and workings of the organization. Responsibilities: * Embed with product teams to provide guidance on compliance requirements during the design and build phases to ensure a compliant go-to-market strategy * Lead product governance efforts on behalf of FinCRO, including documenting requirements and tracking them through implementation * Conduct compliance reviews and product risk assessments for material new product launches and feature expansions * Provide subject matter support as they design and implement workflows, tooling, and reporting * Liaise closely with Regional Compliance Officers and Money Laundering Reporting Officers to support execution of our compliance oversight programs * Inform and educate product and business teams on relevant compliance and regulatory requirements to foster a "compliance-by-design" mindset across the organization * Contribute to building a strong culture of compliance across Stripe’s teams * Leverage AI and agentic tools to scale compliance product enablement — including accelerating product risk assessments, regulatory research and requirements documentation — while maintaining rigorous judgment over AI-generated outputs Minimum Requirements * 7+ years of experience building and managing compliance programs in regulated financial services, preferably in fintech, payments and banking * Experience evaluating emerging products for compliance risk, working with product and business stakeholders to implement creative solutions for compliance requirements, and conducting relevant product risk assessments * Working knowledge of regulatory compliance and financial crimes/AML practices, with a strong understanding of the compliance landscape applicable to a company like Stripe * Proven ability to manage distinct projects and programs, with strong stakeholder management and communication skills * Ability to interpret regulations and regulatory guidance and incorporate them into a comprehensive, proportionate compliance program * Strong written and verbal communication skills — including the ability to translate complex regulatory concepts clearly for non-compliance audiences * Excellent cross-functional collaboration skills, including senior leadership relationships and managing competing priorities * Intellectual curiosity and a willingness to explore unfamiliar markets, product types and regulatory frameworks * Ability to work efficiently and independently in a fast-paced, ambiguous environment * Genuine interest in financial regulation and an eagerness to drive the industry forward through responsible innovation * Demonstrated AI fluency — actively uses AI tools, including agentic workflows, to enhance the quality, speed, and rigor of compliance work; able to critically evaluate AI outputs, iterate on results, and select the right tool for the task rather than defaulting to manual methods PREFERRED QUALIFICATIONS * Experience using AI or agentic tools in a compliance or regulatory context (e.g., for policy drafting, risk assessments, regulatory research, or workflow automation) * Experience with stablecoin, crypto, or emerging payments product compliance * ACAMS, CRCM, ICA (Diploma or Advanced Certificate) or equivalent certification  * SQL abilities