We're looking for an experienced Lead Regulatory Compliance professional to join our growing team. You'll be at the forefront of ensuring Alma's operations meet the highest regulatory standards while supporting our ambitious expansion plans across Europe. This role in based in Milan.YOUR MISSIONAs a key member of the Compliance & Internal Control team, you'll translate complex regulatory requirements into practical, scalable solutions that enable Alma to operate with confidence, and will be a main contact for local regulators.You'll be the trusted advisor for our operational teams, the strategic partner for new product launches, and the bridge between Alma and our regulatory supervisors [ACPR, BoI..]What You'll Be DoingRegulatory Advisory & Guidance
Advise and translate regulatory requirements to Alma's operational teams, particularly Sales, Financial Security, Operations, and ProductAct as the main point of contact for regulatory matters, providing clear guidance on compliance obligationsServe as a trusted compliance advisor ensuring alignment between commercial goals and regulatory adherence
Compliance Framework & Risk Management
Centralize and maintain Alma's regulatory compliance procedures, ensuring they remain current and fit-for-purposeProactively identify compliance risks through cross-functional projects including:
New product and feature reviewsPartnership assessments and due diligenceOutsourcing approvalsIntermediary relationships in banking and payment services
Develop and implement risk mitigation strategies in collaboration with stakeholders
Regulatory Intelligence & Reporting
Own the regulatory watch function, staying ahead of emerging regulations across our European marketsMonitor regulatory developments (PSD2, PSD3, AMLD, DORA, etc.) and assess their impact on Alma's businessSubmit and develop scalable regulatory reporting processes in collaboration with Finance and Financing teamsParticipate in preparing and submitting regulatory reports to ACPR and other relevant authorities
European Compliance
Support Alma's expansion by ensuring compliance with regulatory requirements in neighboring jurisdictions (Italy, Netherlands, Belgium, Germany, Spain)Collaborate with local teams and external advisors to navigate multi-jurisdictional compliance challenges
You will collaborate closely with the Financial Security, Product, Sales and Legal teams.You will report to the Head of Compliance & Internal Control in charge of the Regulatory, Financial Security and Internal Control teams.ABOUT YOU
6-10 years of experiencein regulatory compliance within the banking, payments, or fintech sectorDeep technical expertisein EU (especially French and Italian) banking regulatory frameworks:
Payment Services Directive (PSD2/PSD3)Anti-Money Laundering Directives (AMLD5/AMLD6)Consumer credit regulations (DCC2)
Direct exchange with regulatory authorities (incl. ACPR, Bank of Italy, ECB, or equivalent EU supervisors)Hands-on experiencewith regulatory reporting, compliance programs, and policy developmentInternational and multicultural working environmentexperienceFluency in Italian and English (written and spoken), French is a plus.
Your Skills & Qualities
Analytical Thinker– You break down complex regulatory texts, assess their implications, and identify key action points.Clear Communicator– You translate regulatory language into actionable guidance, with impact across all audiences.Solution-Oriented– You design pragmatic, scalable compliance solutions that enable business growth.Rigorous & Detail-Oriented– Methodical and precise, you ensure nothing slips through the cracks.Collaborative– You build strong cross-functional relationships while also working autonomously on complex topics.Business-Minded– You balance regulatory requirements with business objectives in a payment institution context.
ABOUT THE RECRUITMENT PROCESSWe'll aim at running the process in 2 to 3 weeks following the steps below:
Visio call with a member of our People teamVisio call with the Head of Compliance & Internal ControlWritten case studyVisio call with Head of Compliance & Internal Control and team memberVisio call with the General Secretary
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