Compliance Manager

Compliance Manager About the role: The Compliance Manager plays a key role in supporting and strengthening Enfuce’s second line of defence (2LOD) Risk & Compliance function across the business. Reporting into the Risk & Compliance leadership team, this role is responsible for helping ensure that Enfuce operates in line with applicable regulatory obligations across the UK and EU, while supporting the business in scaling responsibly within a fast-moving fintech and payments environment. This role combines compliance advisory, monitoring, governance and regulatory change responsibilities. The successful candidate will work closely with teams across Operations, Product, Commercial and Technology, providing pragmatic and commercially aware compliance support while ensuring appropriate challenge and oversight. The role requires someone who is comfortable operating both strategically and hands-on, contributing to the ongoing development of compliance frameworks, monitoring activities, regulatory reporting and policy governance, while also supporting broader business initiatives including operational resilience, outsourcing, safeguarding and Consumer Duty. The Compliance Manager will play an important role in helping the business navigate regulatory complexity, maintain strong governance standards and continue building scalable, sustainable compliance practices as Enfuce grows internationally. What you'll be doing: Design, deliver and maintain risk and compliance training across the business. Perform horizon scanning and coordinate regulatory change initiatives with the first line of defence. Develop and execute the Compliance Monitoring Plan, including outcome-focused monitoring activity. Track, challenge and support the business in the timely remediation of identified compliance issues and actions, including those arising from monitoring, audits and regulatory interactions. Own second line oversight and advice across critical regulatory areas, including Consumer Duty, safeguarding, capital and liquidity, complaints handling, operational resilience and outsourcing. Own the firm's policy framework, drafting and maintaining Risk and Compliance policies and providing review and challenge of business policies to ensure alignment with regulatory expectations and good practice. Coordinate timely submission of regulatory returns across the firm's reporting obligations, and support internal automation projects by interpreting and mapping data items against reporting requirements. Support engagement with regulators (e.g. FCA, FIN-FSA), including coordinating responses to regulatory queries and information requests. Act as a point of contact for third-party auditors where required. Manage key governance frameworks, including conflicts of interest and whistleblowing. Coordinate the Risk and Compliance Committee, including preparation of materials and minute-taking. Contribute to broader Risk and Compliance initiatives, including ESG and investor reporting where required. Drive safe, ethical and well-governed adoption of AI to deliver operational efficiencies, and provide oversight and challenge of the business's use of AI against regulatory expectations and internal governance standards. Lead the development of key compliance reports, including the annual Consumer Duty board report and other periodic regulatory and board reporting. Provide risk and compliance support across Enfuce group entities as required. What you'll bring: Strong understanding of the payments and e-money sector, including card issuing, card schemes and BIN Sponsorship models. Working knowledge of UK and EU regulatory frameworks (FCA and FIN-FSA), including key topics such as safeguarding, Consumer Duty, outsourcing and operational resilience. Strong analytical capability, with the ability to interpret and apply complex regulatory requirements. Strong ability to independently research and interpret regulatory requirements, including in new or unfamiliar areas, and apply effective compliance monitoring and advisory practices to deliver high-quality, risk-based assessments. Excellent communication and stakeholder management skills, with the ability to provide effective challenge in a constructive manner. High attention to detail and strong organisational skills. Ability to understand the broader business context and how regulatory requirements impact commercial and operational decisions. A proactive and hands-on approach, with a focus on delivering high quality outputs. Why You’ll Love Working At Enfuce: High autonomy & ownership: We give you the freedom to own your work and trust you to make the best decisions for your projects. Top-tier talent: Join a team of industry experts and highly skilled professionals who are as passionate as you are about innovation. Unlimited growth potential: We support your ambition with plenty of room for personal and professional growth within the company. Flexible, remote work: Work from anywhere up to 30 days, in an environment that values flexibility and work-life balance. A supportive culture: You’ll be part of a team that encourages, motivates, and celebrates success together. Comprehensive benefits package: We take care of our people with great benefits to match the value you bring. Benefits & Perks: Fair pay and employee stock option: We value the input of every employee and want you to tap into the growth we build together. That’s why our salaries are competitive and reassessed regularly, and you have access to an employee stock option program. Flexible Paid Time Off: We offer a flexible paid time off policy, providing up to 5 weeks of annual vacation days and paid family leave (subject to country regulations). Additionally, you can benefit from hybrid or remote work options, promoting a healthy work-life balance. Regular Fun With Your Team: To spend other than work-related time with your teammates, you get a team activity budget for three quarters a year. The fourth quarter is reserved for a company-wide event. Department Risk & Compliance Locations London , Germany (Remote), Spain (Remote), Mariehamn , Espoo Remote status Fully Remote London Germany (Remote) Spain (Remote) Mariehamn Espoo About Enfuce Founded in 2016, Enfuce is a female-founded and led company with a unique vision: to bring the brightest minds and the best technology together to break down the barriers to prosperity. As a leading global card issuer and payment processor that merges innovation, security, and expertise to create modular, cloud-based payment processing capabilities, Enfuce is one of Finland’s most valuable scaleups, and is the first financial service provider in the world to be PCI-DSS certified while running its service in the public cloud. By focusing on collaboration, Enfuce is able to efficiently provide customers with cutting edge features – offering in-house experts and white labelled technology to help companies create scalable payment solutions with ease. Supporting debit, credit, prepaid, gift, fleet, and fuel card programmes in any form – for consumer, commercial, and B2B applications. Enfuce’s no-nonsense approach helps customers create bespoke payment solutions that are flexible, scalable, and secure. Holding an Electronic Money Institution (EMI) licence from the Finnish FSA and from the UK’s Financial Conduct Authority (FCA), enabling operations across Europe and the UK, Enfuce’s PCI-DSS certified platform guarantees 99.999% uptime, global scalability, and card scheme connectivity, supporting various card programmes and integration with digital wallets. Enfuce has raised €68.5 million in funding rounds, showcasing its industry leadership with recognitions like Visa Fintech Fast Track and Mastercard Lighthouse Development Program participation, as well as winning prestigious awards, such as the 2019 PayTech Award for Best Payments Solution, 2022 FF Award for Mobile Payments and the 2023 FF Award for Authentic ESG. Propelled by the forward-looking vision of its Co-CEOs and Nordic ingenuity, Enfuce is set to expand globally, shaping the future of payment solutions. Founded in 2016 Co-workers About 130 and growing!