Country AML & Compliance Officer - Europe
Zepz
About Zepz
Zepz Group is the group powering leading global remittance brands: WorldRemit and Sendwave. Zepz Group has been disrupting an industry previously dominated by offline legacy players by reducing the barriers to finance and increasing safety and convenience for users. Every day, Zepz Group and its brands work towards unlocking the prosperity of cross-border communities through finance and technology - driven by the vision of a world that celebrates migrants’ impact on prosperity, at home and abroad. Zepz served over 9+ million users through its presence in over 4,600 corridors with over 40 send countries and 90 receive countries
Come join us!
Our Commitments:
- We act like owners - We are relentlessly delivering for our users and spending money thoughtfully.
- We embrace embarrassing honesty - We function best when we're open and honest with one another — especially about our challenges and doubts.
- We have a bias to action - We get to first outcomes quickly, iterate and learn.
- We strive to be better - We may make mistakes, but always learn from them.
- We are inclusive - to better reflect and serve our users.
About the role
As a member of Zepz Compliance team you will aim high, embrace challenges and always do what’s right; acting with integrity and building trust as you contribute to the company’s technical direction and long term decision making.
Your key areas of regulatory focus will be:
- Anti-Money Laundering and Combating Terrorist Financing.
- Financial Sanctions (including assets freeze, embargoes and other sanctions) including policy framework and reporting to the Treasury.
- Funds transfers regulation (EU 2015/847) compliance.
- Anti-bribery and corruption (‘ABC’).
- Consumer protection and conduct of business requirements (including marketing).
Reporting to the Belgium Management Team and also to the Director, Regional Compliance - Europe, the scope of your role will include:
- Acting as the chief interface between the company and regulatory bodies.
- Maintaining the Belgian entities’ licences to operate.
- Ensuring compliance with country/jurisdictional laws, regulations and company policy and procedures.
- Contributing 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.
- Being 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.
- Implementing and managing the AML and CTF programmes, record management, exams and audits, and overseeing reporting for suspicious activity.
- Managing and developing the Belgium Compliance Analyst team.
- Producing and presenting quarterly compliance and AML board pack reports and other AML and Compliance reporting including annual AMLCO reports
- Representing Belgium Compliance at group-wide governance fora.
- Maintaining the Regulatory Reporting Calendar.
- Maintaining the Compliance and AML local risk register.
- Managing the compliance, AML, and CTF due diligence of new partners.
- Helping to drive in local partnership opportunities, if any, from a compliance perspective.
- Safeguarding reporting and second line oversight.
- Creating and managing budgets for the local team.
What we’re looking for from you:
- Established Compliance Officer, who has previously overseen an anti-money-laundering and sanctions framework and been responsible for external reporting to the relevant authorities.
- Previous experience of working in the Payments sector is preferred, although candidates with broader Financial Services backgrounds will also be considered.
- 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..
What you’ll get from us
Please note that the benefits below will apply to permanent roles.
We have five core benefits for our talent in the US, UK, Philippines, Poland, and South Africa. specifically:
- Unlimited Annual Leave: Feel free to make the most of your time off and maintain a healthy work-life balance!
- Private Medical Cover: You can opt-in to a Private Medical Insurance scheme. This provides you with access to thorough medical coverage, so you can feel confident in your health and well-being.
- Retirement: We offer pension schemes to help you plan for and secure your future.
- Life Assurance: Life assurance is available to give you peace of mind and protect your loved ones in case of the unexpected.
- Parental Leave: We offer competitive parental leave schemes to ensure you are spending as much quality time with your new bundle of joy as possible.
We are also remote-first as an organisation, offering flexibility for you to work where you need to be most productive. In addition to the above, you will discover that we have a range of secondary perks (such as the cycle-to-work scheme and employee discounts) depending on your location, to help you thrive at Zepz!
Why choose Zepz?
- Our team of over 1,000 employees is fully distributed across the world. We are working from coffee shops, homes, and co-working spaces — making us one of the larger fully distributed growth-stage startups in the world but we also offer workspace in our talent cluster locations - spaces we can meet, collaborate and connect.
- We are proud parents, community organizers, farmers, band members, yoga teachers, YouTube influencers, former Olympians, and serial entrepreneurs.
- We collectively speak over twenty languages, including Akuapem, Amharic, Bengali, Ewe, Fante, Ga, Igbo, Kalenjin, Luganda, Oromo, Somali, Swahili, Wolof, Bulgarian, Croatian, Czech, Danish, Dutch, English, Estonian, Finnish, French, German, Greek, Hungarian, Irish, Italian, Latvian, Lithuanian, Maltese, Polish, Portuguese, Romanian, Slovak, Slovenian, Spanish and Swedish.
- At Zepz, embodying our commitments binds us together. We are collectively passionate about striving to achieve our vision and purpose - to continue to provide the best service to our users.
Ready to Apply?
Applications will be reviewed on a rolling basis. If interested, please submit your resume along with a cover letter (optional), highlighting why your experience demonstrates you meet the requirements of the role. Please also indicate the countries in which you have work authorization.
Confidence can sometimes hold us back from applying for a job. But we'll let you in on a secret: there's no such thing as a 'perfect' candidate. Zepz is a place where everyone can thrive.
So however you identify and whatever background you bring with you, and if at all you might need any form of support to make the process as comfortable as possible, please let us know and give us a shot by applying. We want you to be excited to wake up to make an impact every day.