At a Glance
- Tasks: Support compliance functions and manage financial crime risks in a global FinTech environment.
- Company: Join Thunes, a leading FinTech revolutionising global payments.
- Benefits: Competitive salary, dynamic work culture, and opportunities for professional growth.
- Other info: Collaborative team environment with a focus on innovation and compliance excellence.
- Why this job: Make a real impact on international payments while working with top industry players.
- Qualifications: 5+ years in compliance within the payments industry; strong knowledge of AML/CTF regulations.
The predicted salary is between 60000 - 80000 £ per year.
About Thunes
Thunes is the Smart Superhighway to move money around the world. Thunes' proprietary Direct Global Network allows Members to make payments in real-time in over 130 countries and more than 80 currencies. Thunes' network connects directly to over 7 billion mobile wallets and bank accounts worldwide, as well as 15 billion cards via more than 320 different payment methods.
Thunes' Direct Global Network differentiates itself through its worldwide reach, in-house SmartX Treasury System and Fortress Compliance Platform, ensuring Members of the network receive unrivaled speed, control, visibility, protection and cost efficiencies when making real-time payments, globally. Members of Thunes' Direct Global Network include gig economy giants like Uber and Deliveroo, super‑apps like Grab and WeChat, MTOs, fintechs, PSPs and banks.
Headquartered in Singapore, Thunes has offices in 14 locations, including Abidjan, Barcelona, Beijing, Dubai, Hong Kong, Johannesburg, London, Manila, Nairobi, Paris, Riyadh, San Francisco and Shanghai.
Thunes in the UK
We act as a trusted, neutral aggregator in a deeply fragmented industry. We offer end‑to‑end payments solutions to tackle the speed, cost‑efficiency, and accessibility challenges for emerging markets, and payment capacities related to virtual world games. Thanks to Thunes' Authorized Payment Institution license in the UK, as well as other registrations across the world, Thunes UK is able to provide a variety of Accept (payment acquisition) and Pay (payout) services to clients and partners based in the UK and abroad.
Context of the role
Based in London, reporting to the UK Compliance Manager & MLRO based in London, this role will support the compliance function in the United Kingdom, and will support Thunes activities all across the world where the license and registrations are used. This role is expected to partner with the Global Compliance function (including the Financial Crime team, the KYC team, and the Risk team, among others) and other cross‑functional teams (Legal, Account Management & Business Development, Finance & Treasury, Product etc) based across the world. The role is an office‑based role, based out of the Company's offices in London.
The position provides an exciting opportunity to work on an international stage, alongside household names, and join a rapidly growing FinTech company making a real impact on the lives of people in developed and emerging markets alike.
The ideal candidate should be someone who has previously held senior payments' compliance roles in organisations like:
- Payment Services Providers (incl. MTOs, acquiring PSPs)
- Banks or Financial Institutions
- Traditional banks active in the digital payments space
- Neo‑banks (e.g. Monzo, Revolut and the likes)
- BaaS actors (Banking as a Service like Cybrid, Plaid)
- Crypto assets actor (e.g. exchange, liquidity provider, blockchain infrastructure)
Key responsibilities
- Supporting the business
- Reviewing the adequacy of Customer Due Diligence (CDD), Know Your Customer (KYC), Know Your Business (KYB), source of funds, client information, client profiling and suitability during the account opening process – ensuring that financial crime risks are assessed and mitigated, meeting all best practice, regulatory and statutory requirements.
- Provide guidance and support to senior management and the board regarding the firm's risk‑based approach to AML/CTF.
- Support and manage client reviews (sometimes onsite) conducted by Thunes as part of enhanced due diligence activities.
- Compliance risks management
- Conduct regular risk assessments to identify potential money laundering and terrorist financing risks and assess the effectiveness of the controls that the firm has put against these risks.
- Working with the business to ensure that the firm establishes and maintains appropriate policies, procedures, systems and controls, monitoring reviews and support for external regulatory obligations.
- Develop and strengthen relationships to promote best practice and ensure a good understanding of Financial Crime requirements.
- Contribute to the design of the Policies and the Compliance Programme.
- Execute the Compliance Monitoring Programme by producing quality reviews.
- Report to management on levels of compliance assurance (including KPI/KRIs and trend indicators), external provider performance and/or any issues arising from specific monitoring activity.
- Liaison with regulators
- Liaise with local law enforcement and regulators to resolve issues – investigating any suspicion raised for a suspicious transaction, in consultation with MLRO and preparing SAR reports to UK FIU (NCA).
- Providing support to line management in its liaison with regulators, auditors (internal & external) other group companies and external organisations where appropriate.
- Build and maintain positive communications with financial regulators and other critical stakeholder relationships.
- Training
- Provide Financial Crime education, awareness and training to the business as required.
- Work with L1 and L2 to promote and embed a culture of compliance across Thunes, particularly in AML/CTF and Sanctions.
Skills / Qualifications
- Experience & Knowledge
- At least 5 years of professional experience as Compliance in the payment industry.
- Master 2 University Degree or equivalent in Law, Criminal Law, Business Law.
- Clear and sound knowledge about the laws and regulations application to a FCA‑licensed API & EMI in the United Kingdom.
- Expertise in compliance areas within a financially regulated company including AML/TF, Risk & Permanent Control, Consumer Duty and APP fraud reimbursement.
- Business‑minded and able to support the development of innovative payment services.
- Expertise with Crypto is a strong plus.
- Skills & Competencies
- Experience working in an international and diverse environment.
- Excellent written and verbal communicator both in English; Spanish speaking is a plus.
- High level of autonomy and proactivity.
- Ability to work well under pressure, different priorities, and tight deadlines.
- Collaborative work approach.
- CAMS & ICA Dip would be preferred.
Senior Compliance Officer employer: Thunes
Thunes is an exceptional employer that prioritises employee growth and development, offering a dynamic work culture where innovation and collaboration thrive. Located in a vibrant industry hub, employees benefit from competitive compensation, comprehensive training programs, and the opportunity to work alongside experts in data protection within the payments sector. Join us to make a meaningful impact while advancing your career in a supportive environment.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Compliance Officer
✨Join Compliance Communities
Get involved in compliance and risk communities — both online and offline. Look for forums, LinkedIn groups, or even local meetups where compliance pros hang out. You never know who might drop a job opportunity your way!
✨Attend Industry Conferences
Keep an eye out for compliance and risk management conferences and workshops in your area. These events are a goldmine for networking, and they often have job boards or recruiters on-site looking for new talent. Plus, it’s a chance to learn what's trending in the field.
✨Leverage Your University Career Services
If you’ve recently graduated or are still studying, head over to your university's career services. Many companies, including those in compliance, actively recruit fresh talent through these services, so make sure you tap into that resource.
✨Showcase Your Knowledge Online
Start writing articles or blog posts about compliance topics that interest you. Share them on platforms like LinkedIn to demonstrate your knowledge and passion. This not only builds your presence in the field but can also catch the attention of companies like Thunes looking for candidates who are engaged and informed.
We think you need these skills to ace Senior Compliance Officer
Some tips for your application 🫡
Show Your Understanding of Compliance:In the compliance-risk field, it's super important to showcase your understanding of regulations and risk management frameworks. Highlight any relevant coursework, certifications (like ICA or AML), or even projects that demonstrate your knowledge and commitment to this area. We want to see how you can navigate this complex landscape!
Quantify Your Achievements:When detailing your experience, try to quantify your achievements. For example, if you've previously worked on a project that improved compliance metrics or reduced risk exposure, give us the numbers! This data-driven approach really stands out to hiring managers in compliance-risk roles.
Tailor Your CV to Reflect Relevant Skills:Make sure your CV highlights skills that are particularly relevant to compliance, like attention to detail, analytical thinking, and report writing. Ensure these are easy to spot – consider using bullet points to break down your responsibilities and achievements for maximum impact!
Craft a Motivating Cover Letter:In your cover letter, let us know why you’re excited about the compliance-risk role at Thunes. Share what motivates you about compliance, and how you believe you can contribute to our mission. This is your chance to showcase not only your skills but also your passion for this important field!
How to prepare for a job interview at Thunes
✨Master the Regulations
Brush up on key compliance regulations relevant to the industry you're applying to. Familiarising yourself with specific laws and frameworks used in your field will give you an edge during technical questions. Show that you’re not just aware of them but can also apply them—think real-life scenarios!
✨Show Your Analytical Skills
Compliance roles really focus on analytical skills, so be prepared for case studies or situational questions during the interview. We've got to demonstrate how we approach risk assessments or compliance audits, possibly drawing on examples from past experiences or university projects. Bring some thoughtful case scenarios to discuss!
✨Know Your Tools
Get comfortable with commonly used compliance software and tools. Familiarity with platforms like RSA or MetricStream can really impress during your interview, as it shows you're ready to hit the ground running. If you’ve had any experience with them, make sure to highlight that!
✨Align with Company Culture
Since it's a full-time position, show your long-term commitment and interest in the company’s mission and values. Dive into how your ethics and professional philosophy align with Thunes’s stance on compliance. A shared vision can really resonate with interviewers looking for fit as much as skill!
