Senior Product Scheme Compliance Manager

Senior Product Scheme Compliance Manager About the role: At Enfuce, scheme compliance sits at the heart of how we safely scale our card issuing platform and payments infrastructure business across Europe. We’re now looking for a Scheme Compliance Manager to join the Product organisation and take ownership of Enfuce’s relationship with Visa and Mastercard scheme requirements, ensuring we remain compliant, operationally prepared and positioned to take advantage of opportunities created by evolving scheme mandates. This role is responsible for managing the end-to-end lifecycle of card scheme notifications, releases and compliance obligations. You will interpret new requirements, assess business impacts, coordinate implementation activities and ensure internal stakeholders remain aligned and accountable for delivery. Working closely with Product, Compliance, Legal, Risk and Technology teams, this is a highly cross-functional role suited to someone who enjoys ownership, stakeholder management and translating complex technical or regulatory requirements into clear business actions. The role combines scheme compliance, governance, project coordination, stakeholder engagement and regulatory change management within a fast-growing fintech environment. It is not a traditional compliance role focused solely on policy or controls. Instead, it sits at the intersection of product, operations and compliance, ensuring Enfuce can continue to innovate whilst remaining fully aligned with Visa and Mastercard requirements. What you'll be doing: Own the end-to-end management of Visa and Mastercard scheme notifications, releases and compliance requirements, ensuring changes are assessed, prioritised and implemented within mandated timelines. Monitor, analyse and interpret scheme publications, translating complex technical and regulatory content into actionable business requirements for Product, Technology, Compliance and Operations teams. Establish and own Enfuce’s scheme compliance framework, including governance processes, controls and ways of working that ensure ongoing alignment with card scheme obligations as the business continues to scale. Coordinate cross-functional implementation activities, ensuring stakeholders understand their responsibilities, remain accountable for delivery and maintain visibility of key milestones, risks and deadlines. Act as the primary liaison between Enfuce and the card schemes for scheme-related compliance matters, building effective relationships and ensuring clear communication of requirements and expectations. Present scheme-driven topics, risks and decisions through appropriate governance forums, including the Risk and Compliance Committee, helping senior stakeholders make informed decisions. Identify opportunities arising from scheme changes that could benefit Enfuce or its customers, proactively partnering with Product teams to drive awareness, engagement and implementation. Maintain comprehensive documentation, reporting and implementation tracking, providing regular updates, risk assessments and compliance status reporting to senior leadership. Explore opportunities to utilise AI, automation and improved tooling to streamline the monitoring, triage and management of scheme mandates and compliance activities. What you'll bring: Significant experience within payments, card schemes, compliance, regulatory operations or related environments, ideally gained within card issuing, acquiring, processing, fintech or regulated financial services organisations. Strong understanding of Visa and Mastercard rules, release cycles, scheme mandates and compliance obligations. Proven experience coordinating complex cross-functional initiatives, managing competing priorities and driving accountability across multiple stakeholders. Strong stakeholder management and communication skills, with the ability to influence, challenge and collaborate effectively across Product, Technology, Compliance, Legal and Risk functions. Experience translating technical, regulatory or scheme-driven requirements into practical implementation plans and business actions. Strong organisational skills and attention to detail, with the ability to manage multiple workstreams and ensure compliance deadlines are consistently met. A proactive, ownership-driven mindset with comfort operating in evolving scale-up environments where structure, governance and processes continue to mature. 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 Service & Delivery Locations Germany (Remote), Espoo , London , Mariehamn , Remote EU Remote status Fully Remote Germany (Remote) Espoo London Mariehamn Remote EU 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!