דרושים Compliance Operations Analyst ב-Rapyd ב-בריטניה

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Compliance Leadership

• Design, implement, and oversee global compliance frameworks aligned with applicable laws and regulatory expectations.
• Maintain in-depth awareness of evolving regulatory landscapes, particularly in APAC and LATAM, and proactively adapt strategies.
• Provide strategic compliance input on business expansion plans and product launches.

Licensing & Regulatory Engagement

• Lead or support licensing and registration initiatives in APAC, LATAM, and other markets.
• Build and maintain strong relationships with regulators, representing the company in audits, inquiries, inspections, and industry forums.
• Serve as the primary point of contact for regulatory matters in APAC and LATAM.

Business Integration & Expansion

• Manage the compliance workstream for M&A activities and new market entries, ensuring alignment with group compliance policies.
• Identify and mitigate cross-border compliance risks, particularly in emerging and high-growth markets.

Governance, Policies & Risk Management

• Establish and maintain global compliance policies with tailored adaptations for APAC and LATAM.
• Ensure robust AML/CTF programs, transaction monitoring, KYC processes, and regulatory reporting.
• Conduct risk assessments and drive operational improvements in compliance functions globally.

• 10+ years of progressive compliance experience within financial services or fintech, with substantial expertise in payment regulations.
• Proven success managing multi-jurisdictional compliance programs, with direct engagement in APAC and LATAM regulatory environments.
• Strong track record of supporting licensing, market entry, and regulatory interactions globally.
• Experience integrating compliance operations following acquisitions or geographic expansion.
• In-depth understanding of frameworks such as PSD2, MAS guidelines, and equivalent LATAM regimes.
• Demonstrated ability to work collaboratively with cross-cultural teams and stakeholders.
• Exceptional interpersonal, communication, and leadership skills.
• Advanced degree in Law, Accounting, Finance, or related field preferred.

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Rapyd Global is looking to hire a Sr Manager – Global Network Compliance who will play a pivotal role in establishing and supporting the global compliance strategy that aligns with regulatory requirements and industry best practices. You will collaborate closely with regional compliance teams, senior management, and key stakeholders to develop and implement compliance policies, procedures, and controls. Your primary focus will be to ensure consistent compliance across multiple jurisdictions, monitor regulatory changes.

Day to day responsibilities include, but are not limited to:

• Manage Rapyd’s global network compliance matters, requirements, and related activities; strive to deliver exceptional and responsive service by providing network compliance management expertise in a clear, solution-oriented, and customer-focused manner.
• Collaborate with cross-functional teams (Network/Financial Partnerships, Product, Risk, Legal, Operations, etc.) and external parties (card association/schemes, vendors, partners, etc.) to ensure alignment with card schemes and payment network rules/requirements while keeping up to date with any changes.
• Create and update status reports of program initiatives, activities, and network compliance issues to Rapyd’s management.
• Translate payment networks (e.g. Visa, Mastercard, American Express, Discover, NACHA, SEPA, Fedwires, and other alternative forms of payment) rules and regulations, bulletins, and changes into understandable requirements.
• Contribute to the development of Rapyd’s related policies, procedures, and a control plan while disseminating best practices across business lines and jurisdictions.
• Assess compliance requirements that arise from third parties, including advising on any changes to our policies, procedures, and controls through validation and implementation.
• Support audit and testing activities and ensure such activities and the Risk Assessment are timely completed and remediation activities meet with requirements
• Stay abreast of compliance developments and evaluate the payment networks and scheme compliance regulations and industry compliance trends.
• Support the continued development and implementation of Risk and Compliance processes and projects throughout the three regions of AMER, APAC, and EMEA.
• Communicate and escalate concerns, potential risks, issues, or deficiencies identified that may have an enterprise-wide impact on Rapyd’s senior management to drive a culture of compliance.

• 4+ years payments compliance experience with a card scheme, global acquirer, payment processor, or e-commerce merchant/marketplace financial services/banking background payments risk management background, with a technical understanding of card schemes and other payment networks globally.
• Strong knowledge of financial and payments and consumer regulation, including card association and payment network rules, and laws applicable to acquiring, payouts, and issuing, and KYC, KYP, BSA/AML regulations
• Broad knowledge and application of Risk Management programs (e.g. Regulatory, Operational, Financial, etc.) risk assessments, testing and monitoring, training, and policy.
• A strong understanding of the payments industry, and familiarity with its ecosystem (partners, processors)
• Understanding of different types of Merchant and Consumer Risk.
• Effective communication skills (both orally and in writing) with all levels of management
• Excellent intercultural and interpersonal skills, including experience in working with different cultures and proven experience in relationship building.
• Must display a high level of professional judgment, commitment, integrity, teamwork, and customer service
• Capacity to work under pressure and tight deadlines; self-starter, comfortable with ambiguity.
• Project management skills; outstanding organizational skills.
• CAMS and/or CFE certification is a plus.

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What You’ll Do:

• Review daily alerts for merchants flagged by Rapyd’s transaction monitoring system. You’ll take appropriate actions, such as contacting merchants to understand their activity and business model, recommending fund retention if a risk is identified, initiating account termination when necessary, and preparing Suspicious Activity Reports (SARs).
• Proactively manage merchants identified through our Declined-In-Clearing refund/batch monitoring processes, collaborating closely with Customer Success, Partnership, and Acquiring Support teams to resolve issues.
• Review and act upon alerts for merchants flagged by ongoing Credit Bureau monitoring, as well as investigate and take appropriate risk mitigation measures for merchants potentially involved in illegal or brand-damaging activities, ensuring all actions are documented and aligned with internal policies.
• Understand and respond effectively to notifications from external bodies, such as Card Schemes (Visa, Mastercard), regarding Fraud, AML, Credit, or Regulatory risks.
• Work closely and effectively with various internal teams, including Customer Success, Partnerships, Compliance, Finance, Operations, and Business Lines, to ensure a cohesive, customer-centric approach to risk management.
• Assist in maintaining and updating operational procedures and processes to ensure they remain relevant, effective, and current with industry best practices.
• Communicate clearly with internal teams and external stakeholders (e.g., merchants, partners), providing guidance on risk-related matters and contributing to a culture of risk awareness.

• 1-2 years of experience in a transaction monitoring, fraud detection, AML, or a similar risk-focused role, ideally within the payments or financial services industry.
• Fluent in English, with exceptional verbal and written communication skills.
• Strong analytical skills with the ability to interpret complex data, identify trends and patterns indicative of risk, and make sound, data-driven judgments.
• A proactive approach to problem-solving, demonstrating initiative, professional judgment, and attention to detail.
• High degree of integrity, a collaborative mindset, and a commitment to teamwork and providing excellent service to internal and external customers.
• Ability to learn quickly and adapt in a fast-paced, dynamic industry.

Nice to Have:

• Previous experience in a customer-facing or customer service environment, demonstrating strong communication skills.
• Basic knowledge of relevant regulations (e.g., AML directives, Card Scheme rules).
• Proficiency in using data analysis systems and tools, such as Excel, Looker, SQL, or Python, to extract and manipulate data for investigative purposes.
• Relevant certifications (e.g., CAMS, CFE, or progress towards them).

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The role requires strong understanding of credit and fraud risk as it relates to card acquiring and portfolio management techniques. An understanding of card scheme rules as they apply to Payment Facilitators, Digital Wallets and Marketplaces is required. An understanding of card issuing fraud risks and strategies would be of additional benefit.

The role will require coordination with teams within Risk and across the Rapyd organization liaising with sales and relationship channels as well as senior stakeholders within the Risk and Compliance functions.

Key Responsibilities

• Management and completion of financial / non-financial reviews of partner facilities, liaising with Partners, Relationship Managers and merchants with regards to information / documentation
• Responsible for risk oversight of the partner channel and development and monitoring of key risk indicators.
• Recommending risk mitigation strategies to Rapyd and its Partners in relation to credit, fraud and card scheme risks
• Escalation of concerns which may require more stringent controls/policy guidelines introduced
• Liaison with Business and Operations to ensure appropriate training/guidance is given regarding the partner channel and its key risks
• Provide suggestions on current risk related products, policies, and processes in order to improve the operational effectiveness

We’re looking for someone with at least 5 years of experience in fraud / credit risk / card scheme risk in acquiring product and payment industry;

• Understanding of card scheme risk as they apply to payment facilitators, Digital Wallets and Marketplaces
• Detailed understanding of card fraud and mitigation strategies
• Strong understanding of portfolio management
• Strong financial analysis skills
• Strong communication skills, teamwork and collaboration

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Responsibilities:

As a Compliance Specialist, you will play a crucial role in ensuring that the company meets all regulatory obligations while supporting internal teams with compliance-related matters. Your key responsibilities will include:

• Ensuring compliance with applicable regulatory requirements for EMIs, including AML/CFT regulations, Safeguarding, and Conduct of Business rules.
• Assisting in the development, maintenance, and implementation of compliance policies, procedures, and guidelines.
• Conducting enhanced due diligence and ongoing monitoring of merchants, partners, and business activities to identify potential compliance risks.
• Supporting the Compliance management in regulatory reporting, audits, and interactions with regulators.
• Conducting internal compliance reviews and risk assessments to strengthen compliance frameworks.
• Collaborating with internal departments to enhance product compliance and ensure adherence to regulatory best practices.
• Assisting in the preparation and submission of reports required by regulatory bodies.
• Keeping up to date with regulatory developments, industry trends, and best practices to proactively address compliance challenges.

To succeed in this role, you should meet the following criteria:

• Strong understanding of compliance, AML/CFT regulations, and regulatory frameworks relevant to the payments and FinTech industry.
• Minimum of 3+ years of relevant experience in compliance, risk, or AML roles, preferably within the payments or FinTech sector.
• Experience in handling regulatory reporting and compliance monitoring.
• Excellent analytical and problem-solving skills with the ability to assess and mitigate compliance risks effectively.
• Strong communication and stakeholder management skills, with the ability to engage with both internal teams and external regulators.
• Detail-oriented mindset with a proactive and solution-driven approach.
• Ability to work independently and manage multiple tasks in a fast-moving environment.
• A bachelor’s degree in Law, Finance, Business, or a related field is preferred.
• Relevant compliance certifications such as CAMS, ICA, or equivalent would be an advantage.

What We Offer:

• A dynamic and fast-paced environment in the growing payments industry.
• Opportunities to shape compliance processes and contribute to regulatory strategy.
• A collaborative and supportive work culture.
• Competitive salary and benefits package.
• Professional development opportunities, including training and certifications.