Lead Compliance Officer

Responsibilities:

• Ensure independent oversight of compliance with Estonian regulations, MiCA requirements, and the Payment Institution (PI) framework.

• Monitor regulatory developments and assess their impact on the business, providing clear guidance to stakeholders.

• Maintain and periodically review compliance policies and procedures, ensuring alignment with regulatory expectations.

• Execute a risk-based Compliance Monitoring Programme, including control testing and thematic reviews.

• Identify compliance gaps, issue recommendations, and track remediation actions.

• Maintain key compliance registers and documentation for internal and regulatory purposes.

• Act as a point of contact with the Estonian FSA (Finantsinspektsioon) and support regulatory submissions, inspections, and requests.

• Provide independent compliance advice to business teams, including review of new products and services (MiCA / PI scope).

• Support licensing and regulatory authorisation processes.

• Deliver compliance training and promote a strong compliance culture across the organisation.

Requirements:

Education & Professional Experience

• Bachelor’s or Master’s degree in Law, Finance, Economics, or a related field.

• Minimum 3–5 years of relevant compliance second line of defence experience within the Estonian financial services sector

• Strong knowledge of MiCA, Estonian AML/CFT framework, and Payment Institution/EMI regulations.

Certifications

• Relevant professional certification(s) are strongly preferred (e.g., CAMS, ICA, ACAMS, or equivalent).

Languages

• Fluency in Estonian (mandatory).

• Fluency in English (mandatory).