Lead Compliance Officer
Responsibilities:
- Ensure independent oversight of compliance with Estonian regulations, MiCA requirements, and the Payment Institution (PI) framework.
- Monitor regulatory developments and assess their impact on the business, providing clear guidance to stakeholders.
- Maintain and periodically review compliance policies and procedures, ensuring alignment with regulatory expectations.
- Execute a risk-based Compliance Monitoring Programme, including control testing and thematic reviews.
- Identify compliance gaps, issue recommendations, and track remediation actions.
- Maintain key compliance registers and documentation for internal and regulatory purposes.
- Act as a point of contact with the Estonian FSA (Finantsinspektsioon) and support regulatory submissions, inspections, and requests.
- Provide independent compliance advice to business teams, including review of new products and services (MiCA / PI scope).
- Support licensing and regulatory authorisation processes.
- Deliver compliance training and promote a strong compliance culture across the organisation.
Education & Professional Experience
- Bachelor’s or Master’s degree in Law, Finance, Economics, or a related field.
- Minimum 3–5 years of relevant compliance second line of defence experience within the Estonian financial services sector
- Strong knowledge of MiCA, Estonian AML/CFT framework, and Payment Institution/EMI regulations.
- Relevant professional certification(s) are strongly preferred (e.g., CAMS, ICA, ACAMS, or equivalent).
- Fluency in Estonian (mandatory).
- Fluency in English (mandatory).
