Regulatory Compliance Associate

GoCardless

About us GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect and send payments through direct debit, real-time payments and open banking.  GoCardless processes US$130bn+ of payments annually, across 30+ countries; helping customers collect and send both recurring and one-off payments, without the chasing, stress or expensive fees. We use AI-powered solutions to improve payment success and reduce fraud. And, with open banking connectivity to over 2,500 banks, we help our customers make faster, more informed decisions. We are headquartered in the UK with offices in London and Leeds, and additional locations in Australia, France, Ireland, Latvia, Portugal and the United States. At GoCardless, we're all about supporting you! We’re committed to making our hiring process inclusive and accessible. If you need extra support or adjustments, reach out to your Talent Partner — we’re here to help!  And remember: we don’t expect you to meet every single requirement. If you’re excited by this role, we encourage you to apply! THE ROLE As the Second Line of Defence (2LoD) subject matter expert, the Financial Crime Risk Manager will report directly to the Group MLRO and will play both a regional and global role. In this role, you will be primarily tasked with building and maintaining effective AML/CTF, ABC, and sanctions systems and controls to ensure compliance with laws and regulations in various GoCardless locations. This is a 12 month fixed term contract. WHAT EXCITES YOU * Conducting end-to-end investigations into suspicious activity, gathering and analysing transactional and customer evidence to assess internal disclosures, and preparing and submitting Suspicious Activity Reports (SARs) to the National Crime Agency (NCA) and other FIUs where reportable grounds for suspicion are identified * Day-to-day oversight of the compliance team's JIRA request queue — Unusual Activity Reports (UARs), policy advisory, partner bank queries, FCDDQs, and ad hoc queries — triaging, prioritising, and allocating incoming work across the team, driving each item through to resolution, while executing tasks directly where technical fit and capacity allow; * Executing the firm’s annual financial crime Enterprise-wide Risk Assessments (EWRA), including risk identification, data analysis, inherent risk assessment and control evaluation. Keeping EWRA methodology up-to-date;  * Closely follow legal, compliance, and regulatory developments in relation to AML/CTF, ABC, and sanctions in the Fintech industry, to ensure our processes keep pace; * Drafting annual external reports and regulatory returns to the authorities, and acting as a point of contact for the FCA, NCA, and other law enforcement agencies, including in ongoing criminal investigations that commenced from a submitted SAR; * New products, markets business partnerships/initiatives risk assessments and programme updates; * Drafting financial crime management information and periodic reports to senior management, analysing trends and recommending enhancements to first line controls;  * Delivering targeted financial crime training to the Compliance Operations team and Sales team on areas that are identified as requiring improvement; * Advising on CDD escalations based on internal policies and procedures; * Monitoring and responding to AML / Sanctions-related escalations in JIRA; * Reviewing and approving of high-risk customers at onboarding (e.g. PEPs); * Reviewing and approving of requests for waivers, dispensations and minor policy exceptions from the first line defence; * Promoting a culture of good financial crime management across the firm; * Covering MLRO annual leave / absences * Supporting on the Financial Crime Risk roadmap projects to design and deploy controls over new products, new markets, and enhancements throughout the company; * Support the wider Compliance based on capacity, need and expertise.  WHAT EXCITES US * You have 5+ years’ experience in financial crime within the 2 LoD of an FCA regulated financial services firm or within consultancy; * You have strong working knowledge of regulatory frameworks, guidelines, and requirements across the UK, US, EU, New Zealand, Australia, and/or Canada, as well as bodies like the FATF, Wolfsberg Group, etc.; * You have experience in designing internal controls from scratch and driving their implementation, including automation where feasible; * You have worked within a fast growing, scale-up business; * You have experience conducting AML/CTF and sanctions compliance monitoring reviews, including model calibration and validation; * You have exceptional analytical, writing and presentation skills; * You have a 'sleeves-rolled-up' approach to your work. BASE SALARY RANGE: COMPETITIVE Base salary ranges are based on role, job level, location, and market data. We strive to offer competitive compensation, taking into account level of experience, interview assessment, budgets, regional benchmarking, and parity between you and fellow employees at GoCardless doing similar work. (SOME OF) THE GOOD STUFF * Wellbeing - stay healthy with dedicated support and medical cover * Work away scheme - gives you the option to work away from your country of residence for up to 90 days in any 12 month period * Adaptive Working - allows you to work flexibly, around your lifestyle * Equity - all permanently employed GCs get equity to help you make a valuable contribution * Parental leave - to suit everyone embarking on life's great adventure * Learning Budget - lead your own development with an annual learning budget * Time off - generous holiday allowance, + 3 annual volunteer days, + 4 annual business-wide wellness days (‘GC Fridays’) LIFE AT GOCARDLESS   We're an organisation defined by our values; We start with why before we begin any project, to ensure it’s aligned with our mission. We act with integrity, always. We care deeply about what we do and we know it's essential that we be humble whilst we do it. Working this way creates the GC magic- the reason we all love showing up to work.  DIVERSITY & INCLUSION As of April 2025, we had 806 employees (GeeCees) globally, with 524 based in the UK, 163 based in Latvia and 119 across our other offices. To ensure that we're representative of the world around us - and to be able to review relevant benchmarks - we ask GeeCees to voluntarily disclose diversity data. This year, the proportion of GeeCees providing data increased to 88% (up from 79% in 2024). With regards to diversity within GoCardless, we can see GeeCees identifying as: Asian, Black, Mixed or Other — 25%  Neurodiverse — 9%  LGBTQIA+ — 9%  Disabled — 1%  Average age — 33 Female — 45% Male —  55%  We’re rooting for you during your application and GoCardless aims to provide reasonable adjustments to make our recruitment process as remarkable and accessible as we can. Please speak to your Talent Partner if you need extra support. If you want to learn more, you can read about our Employee Resource Groups and objectives here Sustainability We’re committed to reducing our impact on the environment, leaving a more sustainable world for future generations. Check out our sustainability action plan here. Find out more about Life at GoCardless via Twitter, Instagram and LinkedIn.

OroraTech

THE MISSION OroraTech is a global intelligence-as-a-service company leveraging thermal data from space. As we continue to expand internationally and engage with governmental and regulated customers, compliance with export control regulations is becoming a strategic capability for our organization. We are looking for an experienced and pragmatic compliance leader to build and lead OroraTech's global Export Controls & Compliance function. You will establish and own OroraTech's global Export Control Compliance Program, ensuring the company can confidently operate across international markets while meeting applicable export control and regulatory requirements. Working closely with Legal, Product, Engineering, Sales, Operations, and external advisors, you will develop the governance, processes, and controls necessary to support the company's continued growth. This role is focused on building a scalable compliance framework rather than acting as a specialist in every jurisdiction. You will report directly to the CFO and serve as the central owner and driver of OroraTech's compliance activities. WHAT YOU’LL BE DOING Build and Scale the Compliance Function  * Establish OroraTech's global Compliance Framework with immediate focus on Export Control Compliance Program.  * Develop policies, procedures, governance structures, and internal controls.  * Define compliance ownership and responsibilities across the organization.  * Build scalable processes that support future growth across Europe, North America, and other international markets.  * Create management reporting and compliance metrics.  Export Controls  * Lead export classification activities for products, software, technology, and services.  * Assess applicability of:  * EU Dual-Use Regulation  * German BAFA requirements  * U.S. EAR  * U.S. ITAR  * Canadian export control regulations  * Develop and maintain technology transfer controls and related processes.  * Support export licensing activities and interactions with relevant authorities.  * Implement screening, due diligence, and recordkeeping procedures.  * Advise business teams on export control implications of new products, partnerships, international opportunities, and customer engagements.  Governance & Risk Management  * Including cross-functional compliance topics (IT security compliance, whistleblowing, ESG-Compliance etc.)  * Conduct compliance risk assessments.  * Monitor regulatory developments and assess business impact.  * Develop compliance training and awareness programs.  * Coordinate internal reviews and remediation activities.  * Maintain documentation and evidence required to demonstrate compliance.  * Support leadership in evaluating compliance risks associated with strategic initiatives.  Stakeholder & Advisor Management  * Manage relationships with external law firms, compliance advisors, and specialized service providers.  * Coordinate compliance initiatives across multiple jurisdictions and business functions.  * Support customer due diligence and compliance reviews.  * Translate regulatory requirements into practical and business-friendly processes.  * Act as the primary internal point of contact for export control matters. RELEVANT SKILLS Required  * 10+ years of experience in Export Controls, Regulatory Compliance, Government Compliance, or a related field.  * Experience building, implementing, or scaling compliance programs and governance structures.  * Strong knowledge of major export control frameworks (EU Dual Use/BAFA, EAR/ITAR).  * Knowledge in setting up VS-NfD, SOC2, and NIS2.  * Strong project management and stakeholder management skills.  * Ability to translate complex regulatory requirements into practical and scalable business processes.  * Experience working cross-functionally with Legal, Engineering, Product, Commercial, and Operations teams.  * Excellent communication skills in German and English.  * On-site presence 2-3 days per week in Munich required.  Preferred  * Experience e.g. in:  * Space  * Aerospace  * Defense  * Satellite Communications  * Government Technology  * Critical Infrastructure  * Experience in a fast-growing technology company or scale-up environment.  * Experience managing external legal counsel and compliance advisors.  * Knowledge of both EU and U.S. export control frameworks.  * Experience supporting international technology transfers, and hardware and software-based products.  * Experience supporting government or defense-related programs.  * Relevant certifications in export controls, compliance, risk management, or related disciplines. OUR BENEFITS At OroraTech, you can expect a down-to-earth, yet high-caliber work environment. You will become an integral part of the OroraTech satellite development - a talented, international, open-minded team that is highly motivated to create impact. OroraTech gives you the opportunity to grow on a professional and personal level. Be part of the solution to climate change. Our Benefits include:  * A responsible position with individual autonomy and design freedom  * Company pension scheme (bAV = Betriebliche Altersversorgung)  * Company accident insurance (supplementary insurance for accidents during work and leisure time around the world 24/7)  * Company international travel health insurance (supplementary insurance covering worldwide travel for business or leisure) * Flexible working hours and home office option (including working from other countries within the EU)  * Corporate health benefit via discounted EGYM Wellpass subscription  * Corporate mental health benefit via nilo * Corporate mobility benefit via supplementary payment for the DB Deutschland Ticket  * Corporate lunch benefit via hrmony * Corporate bike leasing program via JobRad  * Modern office at Neue Balan with a wonderful pool and campus area

Coinbase

Ready to do the most impactful work of your career? At Coinbase, we are uncompromising on our mission to increase economic freedom. The bar is high, the environment is intense, and we like it that way. This isn't a place for complacency, it’s a place to be pushed past your perceived limits. If you're ready to build the future of finance alongside people who refuse to settle for "good enough," you belong here. Coinbase is a remote-first, but not remote-only company. Expect to get together quarterly for intense in-person working sessions called “surges.” learn more about working at Coinbase. As a Senior Compliance Associate for Coinbase Luxembourg S.A., you'll serve as a strategic advisor and key second-line defender within the Luxembourg Compliance team. This team owns the compliance framework that keeps Coinbase aligned with regulatory obligations  across one of our most critical European entities. You'll lead framework development, regulatory advisory, and CCO support, ensuring our compliance posture scales with the business and meets the expectations of Luxembourg regulators. What you'll do: * Lead the drafting, maintenance, and updating of local compliance policies and frameworks, ensuring alignment with EU/Luxembourg regulatory requirements and group-level standards. * Own the Compliance Monitoring Plan and execute thematic reviews across key regulatory obligations, partnering with the Central Compliance Testing & Assurance team to ensure second-line coverage and consistent methodology. * Drive regulatory engagement support by preparing materials for inspections, regulatory queries, and governance bodies, and coordinating annual regulatory reports (e.g., AML Risk Assessment, RC Report, Annual Compliance Summary Report). * Execute consumer protection monitoring across conflict of interest, transparency, and disclosure requirements, and support Compliance by Design reviews for new products and services. * Support the coordination and handling of regulatory reporting obligations and liaise with data teams, and relevant stakeholders for timely reporting. Support the Chief Compliance Officer in overseeing effective AML/CFT implementation, regulatory horizon scanning, and impact assessments for emerging laws and regulations. Required Skills and Experience: * 5-7+ years of compliance experience within an EU-regulated financial institution (e-money institution, payment institution, bank, or MiFID II-regulated entity), with progressive responsibility across multiple compliance disciplines. * Demonstrated working knowledge of EU financial regulations including MiCA, PSD2, AMLD, MiFID II, DORA, and GDPR, with experience applying them to policy drafting, monitoring plans, and regulatory reporting. * Proven track record of preparing materials for and supporting direct engagement with regulators, auditors, and internal governance bodies. * Experience leading compliance monitoring/testing programs and conducting thematic reviews with documented findings and remediation tracking. * Fluency in English required; proficiency in French is a strong advantage for engaging with Luxembourg regulators and local stakeholders. * Familiarity with crypto assets and crypto-related regulatory frameworks (e.g., MiCA implementation) is preferred. * Utilizes generative AI responsibly, maintaining human oversight to deliver business-ready outputs and drive measurable improvements in workflow efficiency, cost, and quality. Position ID: P76022 Pay Transparency Notice: The target annual base salary for this position can range as detailed below. Total compensation may also include equity and bonus eligibility and benefits (including medical, dental, and vision). Annual base salary range (excluding equity and bonus): €109.400—€109.400 EUR * Application Limit: Candidates may submit a maximum of 3 applications within a 6-month period. * Equal Opportunity Employer: Coinbase is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, protected veteran status, or genetic information. Applicants with criminal histories will be considered consistent with applicable federal, state, and local laws. * US Applicants: View Employee Rights, Know Your Rights, and E-Verify Notice of Participation. * Accommodations: If you are an individual with a disability who needs a reasonable accommodation, email us your request and contact info at accommodations[at]coinbase.com. Need screen reading technology? Click here to download a free compatible screen reader and view the tutorial. * Data Privacy & Arbitration: By submitting your application, you agree to our Candidate Privacy Notice. US applicants: By submitting your application, you agree to Arbitration of Disputes.