Description
The Senior Manager, Compliance prioritizes activities across sub-functions and drives continuous improvement of compliance programs.
This role solves highly complex compliance problems, determines new methods for emerging regulatory challenges, and develops business partnerships while leading teams and building organizational capabilities.
Essential Responsibilities:
- Lead and develop a compliance organization across multiple compliance domains or business areas, building high-performing teams
- Establish compliance program strategy for significant organizational scope, creating comprehensive frameworks aligned with regulatory requirements
- Drive continuous improvement of compliance processes, methodologies, and control frameworks across the compliance function
- Develop strategic partnerships with business, legal, risk, audit, and technology leaders to embed compliance into operations
- Solve highly complex compliance challenges, establishing new approaches when existing frameworks are insufficient for emerging regulatory requirements
- Collaborate on decisions about compliance program design, resource allocation, and organizational priorities to manage regulatory risk effectively
- Influence organizational approach to compliance through thought leadership, regulatory insights, and risk-based recommendations
- Build organizational compliance capability through talent development, knowledge sharing, and establishment of compliance excellence standards
Additional Responsibilities & Preferred Qualifications:
- Serve as the EU compliance subject-matter contact for payments scheme obligations, including card networks and SEPA schemes
- Monitor, interpret, and assess updates from card networks and European Payment Council for SEPA scheme, and collaborate with the business to ensure relevant requirements are implemented effectively and within required timelines
- Provide ongoing oversight of EU entity activities conducted under its card network licenses and SEPA scheme participation
- Review and challenge key controls across card issuing and card acquiring lifecycles, SEPA credit transfer and direct debit processing activities
- Support oversight of card issuance, activation flows, merchant onboarding, transaction monitoring, and dispute management
- Ensure customer, merchant, and counterparty processes operate in line with applicable regulatory and scheme standards
- Interpret and apply European regulatory requirements relevant to card and SEPA schemes at a practical level
- Partner with legal, risk, and operational teams to ensure compliance is embedded into product and process design
- Support preparation for regulatory reviews and provide compliance reporting as required
- Maintain oversight plans, compliance dashboards, and risk indicators for payments scheme activities
- Provide regular updates to senior management and internal governance committees
- Identify, escalate, and track remediation of key compliance risks and issues in a timely manner
- Work cross-functionally with product, operations, engineering, risk, treasury, and global compliance teams
- Build strong working relationships across the business to support effective and pragmatic compliance outcomes
- Support new initiatives and product changes by assessing card and SEPA compliance impacts and providing guidance
Requirements:
- 8+ years of relevant compliance experience and a Bachelor's degree OR any equivalent combination of education and experience
- Proven experience managing compliance teams and delivering complex program initiatives through others
Preferred Qualifications:
- Experience in card issuing, card acquiring, and/or payments scheme governance, including card networks and/or SEPA schemes
- Familiarity with SEPA payment schemes, such as SCT, SCT Instant, SDD Core, and Verification of Payee, or equivalent account-to-account payment frameworks
- Prior involvement in second-line compliance oversight, risk management, or control assurance within a regulated payments or financial services environment
- Strong analytical, communication, and stakeholder management skills, with the ability to provide effective review, challenge, and influence
- Ability to work effectively in a complex, global, and cross-functional organization
- Familiarity with EU regulatory frameworks applicable to payment services, such as PSD2/PSD3 and related regulatory guidance