Head of Product Compliance

Head of Product Compliance

Ebury London Victoria Office - Hybrid: 4 days in the office, 1 day working from home per week

The Opportunity:

We are creating a brand-new Head of Product Compliance role at Ebury — a first-of-its-kind position that embeds compliance expertise directly into the heart of how we build, change, and launch products and systems. This is a senior, highly visible role at the intersection of product, technology, and regulatory strategy, and an opportunity to shape how one of Europe's leading fintechs approaches compliance-by-design at scale.

The scope of this role is broad by design. You will be Ebury's primary first-line compliance voice across the full product and technology estate — from payment accounts and FX tools to the FinCrime infrastructure that underpins everything we do. When engineering builds a new KYC onboarding flow, replaces a transaction monitoring system, upgrades sanctions screening, or changes how customer risk is scored, you are the person who ensures it is done right before it goes live. You will report into the Group Compliance Director and work closely with our product squads, engineering teams, and second-line Compliance and Risk functions, as well as engaging directly with regulators and banking partners globally.

Your Mission:

Ensure that every product, feature, system, and market Ebury launches is built on solid regulatory foundations — without slowing down innovation. You will own the first-line product compliance programme globally, with particular depth in FinCrime controls (KYC, AML, transaction monitoring, sanctions), and will balance regulatory rigour with commercial ambition and a relentless focus on customer experience.

Key Responsibilities:

Product Compliance Leadership

• Serve as the embedded first-line compliance expert across Ebury's Product and Engineering squads, advising on regulatory requirements from ideation through to launch and beyond.
• Champion a 'compliant-by-design' culture — ensuring that regulatory analysis is conducted early in the product development cycle, not as an afterthought.
• Build and lead a high-performing Product Compliance function, hiring and developing a team of specialists as Ebury's product portfolio and geographic reach expand.
• Define and continuously improve Ebury's Product Compliance framework, including governance, documentation standards, control implementation standards, and pre-launch sign-off processes.
• FinCrime Product Compliance
• A substantial part of this role is ensuring that Ebury's FinCrime-related systems and controls meet regulatory expectations as they evolve. This includes:
• KYC & Onboarding Systems — providing first-line compliance oversight whenever Ebury builds, replaces, or materially changes its identity verification, customer due diligence, or onboarding flows, ensuring they meet KYC regulatory standards and are well-documented prior to launch.
• Transaction Monitoring — reviewing and signing off on new or upgraded TM systems, rules engines, and model changes, ensuring calibration is defensible to regulators and auditors, and that alert management processes are fit for purpose.
• Sanctions Screening — assessing new or replacement screening vendors and tools, evaluating coverage and methodology against regulatory expectations, and maintaining first-line oversight of any material changes to screening parameters.
• Risk-Based Approach & Customer Risk Scoring — providing compliance input on changes to customer risk scoring models, segmentation, or enhanced due diligence triggers, ensuring Ebury's RBA remains robust and regulator-ready.
• AML Control Changes — acting as the first-line compliance checkpoint for any material change to Ebury's AML control framework where it intersects with product or systems, including new product risk assessments.
• FinCrime Horizon Scanning — monitoring emerging regulatory developments in AML, KYC, and financial crime (e.g. FATF updates, 6AMLD implementation, FCA Dear CEO letters) and translating these into actionable product and systems requirements.

Broader Product & Regulatory Coverage

• Lead regulatory analysis and risk assessments for all new products, features, and market expansions, covering payment services regulation, FX, consumer protection, credit, data privacy, and licensing requirements.
• Ensure that all product launches are supported by complete, well-documented regulatory analysis and that relevant controls are consistently implemented before go-live.
• Own regulatory change management for product-related obligations — conducting gap analyses, defining remediation plans, and ensuring timely execution across squads.
• Advise engineering and product teams on translating regulatory requirements into practical, scalable product controls and processes, including input on technical specifications and API design where relevant.
• Assess new market entry from a product compliance perspective — mapping local regulatory frameworks to Ebury's product architecture and flagging gaps that need to be resolved before launch.
• Stakeholder Engagement & Regulatory Relations
• Act as a senior point of contact for auditors — internal and external — managing audits related to product and FinCrime systems compliance, and constructively challenging findings where appropriate.
• Collaborate closely with the second-line Compliance and Risk teams to drive quarterly regulatory risk reporting and to agree on remediation plans and escalation paths.
• Provide input on regulatory clauses in partner, banking, and licensing agreements.

Cross-functional Collaboration

• Partner with product managers, engineers, legal counsel, and senior compliance colleagues to ensure alignment on regulatory strategy across all product areas.
• Upskill product and engineering teams on relevant regulations, FinCrime typologies, emerging regulatory trends, and Ebury's compliance expectations — making compliance accessible and actionable for non-experts.
• Contribute to Ebury's regulatory horizon scanning, identifying upcoming changes that could impact our product roadmap and proactively initiating response plans.

What We're Looking For:

Essential Experience

• Substantial experience in product compliance, FinCrime compliance, or a first-line compliance role at a regulated fintech, payments firm, or financial institution — ideally with direct exposure to both product/technology teams and FinCrime systems.
• Deep, practical knowledge of AML/FinCrime regulatory requirements — including KYC/CDD, transaction monitoring, sanctions screening, and risk-based approaches — and how these translate into product and systems design.
• Solid understanding of payment services regulation across one or more of our key markets (UK, EU/EEA, LATAM, Asia-Pacific), including PSD2/PSR, FCA rules, EMD, and equivalent frameworks.
• Demonstrated ability to provide first-line compliance oversight of FinCrime system changes (e.g. TM system migrations, new KYC vendors, screening tool replacements) in a regulated environment.
• Proven track record of advising product and engineering teams on regulatory implementation in a practical, customer-oriented, and commercially aware way.
• Experience managing relationships with regulators, auditors, and banking partners.
• Track record of building or scaling compliance capabilities within a growth-stage or high-volume fintech or payments environment.

Skills & Attributes

• Exceptional stakeholder management skills — able to translate complex regulatory and FinCrime requirements into clear, actionable guidance for product managers, engineers, and senior leadership alike.
• A natural owner: you drive projects from conception to completion with attention to detail and a bias for action.
• Strong analytical mindset — comfortable assessing regulatory and financial crime risk using data, and articulating trade-offs between compliance, risk, and commercial objectives.
• Outstanding communication skills, both written and verbal, at all levels of seniority.
• Commercially minded — you understand that robust compliance enables growth, not just protects against risk.
• Comfortable operating at pace in an agile, cross-functional environment where priorities shift quickly.

Desirable

• Experience with embedded finance, white-label, or API-driven product compliance.
• Familiarity with FX, trade finance, or credit product compliance in a regulated context.
• Exposure to multiple regulatory jurisdictions simultaneously, particularly across EEA, UK, and emerging markets.
• Experience standing up a new product compliance function or programme from scratch.
• Knowledge of FinCrime technology vendors and tools (e.g. LexisNexis, ComplyAdvantage, HAWKA or equivalents).

Why Ebury?

• Competitive Starting Salary with an annual discretionary bonus that truly rewards your performance from day one.
• Dedicated Mentorship: Learn directly from experienced managers who are invested in your success.
• Cutting-Edge Technology: Leverage state-of-the-art tailor made tools and systems that enable you to perform at your best.
• Clear, Accelerated Career Progression: Defined pathways to leadership and specialist roles within Ebury.
• Dynamic & Supportive Culture: Work in a collaborative environment where teamwork and personal growth are prioritized.
• Generous Benefits Package: Access competitive benefits tailored to your location, which typically include health care and social benefits.
• Central Office: A fantastic location with excellent transport links.

Ready to launch your career with a global FinTech? Click the ‘Apply’ Today and discover your potential at Ebury!