ABOUT THE POSITION

We're looking for an experienced Lead Regulatory Compliance professional to join our growing team. You'll be at the forefront of ensuring Alma's operations meet the highest regulatory standards while supporting our ambitious expansion plans across Europe.

YOUR MISSION

As a key member of the Compliance & Internal Control team, you'll translate complex regulatory requirements into practical, scalable solutions that enable Alma to operate with confidence, and will be a main contact for local regulators.

You'll be the trusted advisor for our operational teams, the strategic partner for new product launches, and the bridge between Alma and our regulatory supervisors [ACPR, BoI..]

What You'll Be Doing

Regulatory Advisory & Guidance

• Advise and translate regulatory requirements to Alma's operational teams, particularly Sales, Financial Security, Operations, and Product
• Act as the main point of contact for regulatory matters, providing clear guidance on compliance obligations
• Serve as a trusted compliance advisor ensuring alignment between commercial goals and regulatory adherence

Compliance Framework & Risk Management

• Centralize and maintain Alma's regulatory compliance procedures, ensuring they remain current and fit-for-purpose
• Proactively identify compliance risks through cross-functional projects including:
  • New product and feature reviews
  • Partnership assessments and due diligence
  • Outsourcing approvals
  • Intermediary relationships in banking and payment services
• Develop and implement risk mitigation strategies in collaboration with stakeholders

Regulatory Intelligence & Reporting

• Own the regulatory watch function, staying ahead of emerging regulations across our European markets
• Monitor regulatory developments (PSD2, PSD3, AMLD, DORA, etc.) and assess their impact on Alma's business
• Submit and develop scalable regulatory reporting processes in collaboration with Finance and Financing teams
• Participate in preparing and submitting regulatory reports to ACPR and other relevant authorities

European Compliance

• Support Alma's expansion by ensuring compliance with regulatory requirements in neighboring jurisdictions (Italy, Netherlands, Belgium, Germany, Spain)
• Collaborate with local teams and external advisors to navigate multi-jurisdictional compliance challenges

You will collaborate closely with the Financial Security, Product, Sales and Legal teams.

You will report to the Head of Compliance & Internal Control in charge of the Regulatory, Financial Security and Internal Control teams.

ABOUT YOU

• 6-10 years of experience in regulatory compliance within the banking, payments, or fintech sector
• Deep technical expertise in EU (especially French and Italian) banking regulatory frameworks:
  • Payment Services Directive (PSD2/PSD3)
  • Anti-Money Laundering Directives (AMLD5/AMLD6)
  • Consumer credit regulations (DCC2)
• Direct exchange with regulatory authorities (incl. ACPR, Bank of Italy, ECB, or equivalent EU supervisors)
• Hands-on experience with regulatory reporting, compliance programs, and policy development
• International and multicultural working environment experience
• Fluency in Italian and English (written and spoken), French is a plus.

Nice to Have:

• Knowledge of Spanish, German, or Dutch
• Experience in a high-growth payment fintech
• Familiarity with emerging regulations
• Professional compliance certifications (e.g., ICA Diploma, CAMS)

Your Skills & Qualities

Analytical Thinker You have exceptional analytical skills—you can deconstruct complex regulatory texts, assess their practical implications, and identify the critical action points.

Clear Communicator You excel at translating "regulatory speak" into clear, actionable guidance. Whether writing policy documents or presenting to senior leadership, you communicate with clarity and impact.

Solution-Oriented You don't just identify problems—you design pragmatic, scalable solutions. You understand that compliance should enable business growth, not hinder it.

Rigorous & Detail-Oriented You're methodical in your approach, with an eye for detail that ensures nothing slips through the cracks.

Collaborative Team Player You thrive in cross-functional environments, building strong relationships across teams. You're equally comfortable working autonomously on complex topics and collaborating on strategic initiatives.

Business-Minded You understand the financing challenges of payment institutions and can balance regulatory requirements with business objectives.

ABOUT THE RECRUITMENT PROCESS

We'll aim at running the process in 2 to 3 weeks following the steps below:

• Visio call with a member of our People team
• Visio call with the Head of Compliance & Internal Control
• Written case study
• Visio call with Head of Compliance & Internal Control and team member
• Visio call with the General Secretary