AML & Compliance Officer

Summary

Join Zepz's Compliance team as a Compliance Officer, focusing on AML, sanctions, and regulatory compliance in Belgium and the EEA. You will act as the primary liaison with regulatory bodies, maintain licenses, ensure compliance with laws and policies, and contribute to global compliance initiatives. Responsibilities include managing the AML/CTF program, developing the Belgium Compliance Analyst team, producing reports, and conducting due diligence on partners. The ideal candidate possesses extensive experience in compliance, AML, and sanctions, with a strong understanding of Belgian and EEA regulations. Zepz offers a remote-first work environment and benefits such as unlimited annual leave, private medical cover, retirement plans, life assurance, and parental leave.

Requirements

• Established Compliance Officer, who has previously overseen an anti-money-laundering and sanctions framework and been responsible for external reporting to the relevant authorities
• Highly knowledgeable about the Belgium and EEA AML Laws including 5th/ 6th AMLD, compliance regulation including PSD2/ PSD3/ PSR, regulatory guidance and circulars and remain abreast of all the trends in compliance regulation
• Significant experience in CDD, EDD, partner/third party due diligence, and suspicious activity detection/investigation, and reporting
• Understands compliance frameworks for risk management and internal controls
• Knows how to implement best AML/CTF practices and resolve outstanding issues. Able to communicate best practice with the broader global compliance team
• Is engaged in the day-to-day details of the role, whilst never losing strategic oversight of the control framework
• Has sufficient gravitas to interact at C-suite level
• Is a strong people manager; a ‘multiplier’ of the talent in their team and naturally attracting and retaining high performing team members, setting a tone of positivity, accountability, and competence within the team
• Not only develops sound and effective day-to-day controls but continually monitors and oversees operations to assure alignment with the business. Realises that cultivating our people is one of our best strategic choices. Can manage the tasks of the day while scanning the horizon for future threats/changes
• Fluent in French and English and resident in Belgium

Responsibilities

• Act as the chief interface between the company and regulatory bodies
• Maintain the Belgian entities’ licences to operate
• Ensure compliance with country/jurisdictional laws, regulations and company policy and procedures
• Contribute to the company’s global Compliance policies and, in turn, drafting and owning policy addenda that are owned by Belgium Compliance including Integrity, anti-corruption and bribery, conflicts of interests and code of conduct
• Be responsible for ‘horizon scanning’ for any and all new / amended regulations that may affect Zepz’s operations across EEA, including assessment of whether our existing controls need to change in response
• Implement and manage the AML and CTF programmes, record management, exams and audits, and overseeing reporting for suspicious activity
• Manage and develop the Belgium Compliance Analyst team
• Produce and present quarterly compliance and AML board pack reports and other AML and Compliance reporting including annual AMLCO reports
• Represent Belgium Compliance at group-wide governance fora
• Maintain the Regulatory Reporting Calendar
• Maintain the Compliance and AML local risk register
• Manage the compliance, AML, and CTF due diligence of new partners
• Help to drive in local partnership opportunities, if any, from a compliance perspective
• Safeguarding reporting and second line oversight
• Create and manage budgets for the local team

Preferred Qualifications

Previous experience of working in the Payments sector is preferred, although candidates with broader Financial Services backgrounds will also be considered

Benefits

• Unlimited Annual Leave
• Private Medical Cover
• Retirement
• Life Assurance
• Parental Leave
• Remote-first