At a Glance
- Tasks: Bridge financial regulations with innovative product design for global payment solutions.
- Company: Join Kody, a fast-growing FinTech revolutionising commerce across borders.
- Benefits: Competitive salary, career growth, and a collaborative work culture.
- Other info: Empowering culture with open communication and meaningful ownership opportunities.
- Why this job: Shape the future of payments while ensuring compliance in a dynamic environment.
- Qualifications: 3-6+ years in Product Compliance or Regulatory Technology; fluent in English.
The predicted salary is between 49500 - 60500 £ per year.
About Kody
Kody is a high-growth FinTech company revolutionising in-person and digital commerce across hospitality and retail. Kody empowers merchants to scale effortlessly across borders. We are expanding our next-generation payment infrastructure globally.
Role Overview
We are looking for a forward-thinking Product Compliance Manager to bridge the gap between financial regulations and cutting-edge product design across both our UK/European and Hong Kong markets. In this role, you will champion "Compliance-by-Design," embedding regulatory integrity into the product development lifecycle from ideation to deployment. You will collaborate directly with Product Managers, Engineers, and Commercial teams to design frictionless, fully compliant user journeys for POS solutions, Open Banking / Pay-by-Bank workflows, and cross-border settlement rails.
Key Responsibilities
- Compliance-by-Design & Product Advisory: Serve as the dedicated compliance partner to Product and Engineering squads, assessing new payment features, POS terminal flows, and software integrations from day one. Translate complex regulatory mandates (e.g., UK FCA requirements, PSRs, Consumer Duty, EU PSD2/PSD3, Strong Customer Authentication/SCA) and Hong Kong standards (HKMA guidelines, Open API framework, FPS rules) into practical technical user stories, API designs, and UX requirements.
- Frictionless KYB & Merchant Onboarding: Design and optimise digital, automated Merchant Onboarding (KYB/CDD) journeys that balance robust compliance with minimal drop-off rates. Partner with data and engineering teams to integrate compliance tooling (identity verification, fraud screening, entity registry lookups) into our onboarding stack.
- Scheme & Partner Alignment: Ensure all payment rails adhere to international card scheme mandates (Visa, Mastercard, Amex), open banking protocols, and acquiring partner standards (e.g., Adyen, Stripe). Manage compliance for hardware POS deployments and payment software, ensuring alignment with PCI-DSS and security expectations.
- Cross-Border Expansion & Consumer Protection: Evaluate compliance frameworks for new payment methods, multi-currency pricing, and cross-border settlement between Europe and Hong Kong. Oversee merchant-facing documentation, fee transparency, disclosure notices, terms of service (T&Cs), and privacy policies (UK/EU GDPR and HK PDPO).
Experience
- 3–6+ years in Product Compliance, Regulatory Technology (RegTech), or Compliance Engineering within a regulated FinTech, PSP, payment gateway, or card acquirer.
- Technical & Product Fluency: Proven ability to read API docs, understand data flows, and translate regulatory policies into technical architecture and UI/UX requirements.
- Payments & Open Banking Expertise: Solid understanding of modern payment mechanisms—especially Open Banking / Pay-by-Bank, QR payments, POS card acquiring, and SEPA/Faster Payments/FPS.
- Dual-Market Knowledge: Strong familiarity with UK/European regulatory frameworks (FCA, PSD2/SCA, Consumer Duty) and Hong Kong standards (HKMA Open API/SVF expectations, AMLO, PDPO).
- Problem-Solver Mindset: Business-enabler attitude; thrives on finding compliant "how we can" pathways rather than simply saying "no".
- Languages: Full professional English proficiency; working proficiency in Cantonese or Mandarin is a strong asset for cross-regional collaboration.
Highly Collaborative & Empowering Culture: Work alongside ambitious, passionate, and supportive teammates across offices. We embrace open communication, flat hierarchies, and high-trust collaboration where your voice genuinely shapes product decisions.
A High-Growth, Promising Venture: Join us at an inflection point. As a fast-scaling FinTech rewiring global commerce, we offer massive room for career growth, meaningful ownership, and the opportunity to build the future of omni-channel payments across Europe and Asia.
Highly Competitive Compensation: We offer an attractive remuneration package designed to reward high-impact contributors.
Product Compliance Specialist employer: Kody
Kody is an exceptional employer that fosters a dynamic and collaborative work culture in the heart of London, where innovation thrives. As a Senior Product Manager, you will benefit from extensive professional growth opportunities, working alongside talented teams in a fast-paced FinTech environment that values data-driven decision-making and independent leadership. With a focus on delivering impactful solutions for enterprise clients, Kody offers a unique chance to shape the future of payments while enjoying a supportive atmosphere that encourages creativity and excellence.
StudySmarter Expert Advice🤫
We think this is how you could land Product Compliance Specialist
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Kody. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Product Compliance Specialist
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Kody.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Kody's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Kody
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Kody.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Kody will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Kody employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
