Business Compliance Officer, UK & EU - Global Payment

Overview

As Business Compliance Officer, you will own end-to-end regulatory compliance for BNPL, unsecured personal loans, and merchant financing across the UK and EU. You will build and implement licensing strategies, supervise ongoing regulatory obligations, and manage relationships with regulators, banks, and partners. You will drive compliance readiness for new product launches and upcoming frameworks, ensuring timely approvals and robust controls. This role sits at the core of cross-border payments, enabling rapid, compliant growth with a strong impact on the platform’s global expansion.

Responsibilities

• Lead end-to-end licensing and authorization for BNPL, personal loans, and merchant financing in multiple EU countries and the UK
• Manage FCA TPR registration for Deferred Payment Credit with go-live readiness
• Coordinate with national regulators (BaFin, ACPR, OAM, Bank of Spain, AFM, FCA) through licensing and supervision
• Maintain license compliance including renewals, reporting, and ongoing supervision
• Monitor PSD3/PSR and CCD2 timelines and prepare the organization for new obligations across credit products
• Establish compliance frameworks for bank partnerships with clear allocation of responsibilities between ByteDance and partner banks
• Define due diligence, monitoring, and audit processes for banks, payment processors, and onboarding providers
• Ensure compliance with FCA third-party reporting rules and EU outsourcing guidelines
• Negotiate contractual compliance provisions including SLAs, indemnification, and corrective action
• Oversee merchant due diligence and ongoing monitoring for merchant financing programs

Key requirements

• 5+ years of compliance experience in financial services (consumer lending, payments, BNPL)
• Proven track record obtaining and maintaining credit broker or payment licenses in at least 2 EU jurisdictions
• Hands-on experience with fintech-bank lending partnerships
• Strong knowledge of EU and UK financial services regulation, especially consumer credit
• Excellent project management and cross-functional leadership across product launches
• Strong communication skills with regulators, senior leadership, and technical teams

• strong communication
• cross-functional collaboration
• risk-awareness
• RegTech and compliance management systems
• Regulatory reporting
• FCA and EU regulatory frameworks

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