Lead Compliance Officer
Responsibilities:
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Ensure independent oversight of compliance with Estonian regulations, MiCA requirements, and the Payment Institution (PI) framework.
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Monitor regulatory developments and assess their impact on the business, providing clear guidance to stakeholders.
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Maintain and periodically review compliance policies and procedures, ensuring alignment with regulatory expectations.
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Execute a risk-based Compliance Monitoring Programme, including control testing and thematic reviews.
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Identify compliance gaps, issue recommendations, and track remediation actions.
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Maintain key compliance registers and documentation for internal and regulatory purposes.
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Act as a point of contact with the Estonian FSA (Finantsinspektsioon) and support regulatory submissions, inspections, and requests.
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Provide independent compliance advice to business teams, including review of new products and services (MiCA / PI scope).
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Support licensing and regulatory authorisation processes.
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Deliver compliance training and promote a strong compliance culture across the organisation.
Requirements:
Education & Professional Experience
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Bachelor’s or Master’s degree in Law, Finance, Economics, or a related field.
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Minimum 3–5 years of relevant compliance second line of defence experience within the Estonian financial services sector
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Strong knowledge of MiCA, Estonian AML/CFT framework, and Payment Institution/EMI regulations.
Certifications
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Relevant professional certification(s) are strongly preferred (e.g., CAMS, ICA, ACAMS, or equivalent).
Languages
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Fluency in Estonian (mandatory).
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Fluency in English (mandatory).
