Description

Company Overview

The organisation operates within the financial technology and digital financial services sector, providing technology-enabled solutions for digital banking, electronic payments, and financial transactions. Its operations require effective regulatory oversight, structured compliance processes, and continuous monitoring of changes affecting financial products and services.

Role Summary

The Senior Regulatory Change Management Specialist will be responsible for identifying, assessing, and coordinating the implementation of regulatory changes affecting fintech operations. The position focuses on monitoring developments in European financial regulations, evaluating their implications for business activities, and ensuring that relevant departments understand and address new regulatory obligations.

The successful candidate will work with legal, compliance, risk, product, and operational teams to translate regulatory developments into practical implementation requirements. This role requires strong regulatory research capabilities, an understanding of European financial services legislation, and experience coordinating compliance-related change initiatives.

Key Responsibilities

  • Monitor regulatory developments affecting fintech, digital banking, electronic payments, and financial technology services.

  • Assess the potential operational and compliance implications of new regulatory requirements.

  • Maintain a structured register of regulatory changes and implementation deadlines.

  • Coordinate regulatory impact assessments across relevant business departments.

  • Translate regulatory requirements into actionable compliance implementation plans.

  • Collaborate with legal and compliance teams to review internal policies and procedures.

  • Monitor the implementation of regulatory changes and report outstanding compliance actions.

  • Support assessments relating to AML requirements, payment services, data protection, and financial governance.

  • Prepare regulatory updates and management reports for internal stakeholders.

  • Maintain documentation of regulatory decisions, compliance activities, and implementation evidence.

  • Identify potential regulatory gaps and recommend appropriate corrective measures.

  • Support internal audits and regulatory reviews by providing relevant documentation.

  • Establish processes for improving regulatory horizon scanning and change management.

  • Maintain awareness of developments from relevant European and Estonian regulatory authorities.

Requirements and Qualifications

  • Bachelor’s degree in Law, Finance, Business Administration, Risk Management, or a related discipline.

  • Minimum of five years of experience in regulatory compliance, financial services regulation, or regulatory change management.

  • Strong understanding of European financial services regulatory frameworks.

  • Familiarity with PSD2, PSD3 developments, MiCA, GDPR, DORA, and AML regulatory requirements.

  • Experience conducting regulatory impact assessments.

  • Ability to interpret complex regulatory documents and translate them into operational requirements.

  • Strong policy development and compliance documentation skills.

  • Excellent research, analytical, and organisational abilities.

  • Experience coordinating regulatory projects across multiple departments.

  • Strong written and verbal communication skills.

  • Knowledge of the Estonian and wider European financial regulatory environment is advantageous.

Benefits

  • Fully remote working arrangement within Estonia.

  • Opportunity to support regulatory governance across modern fintech operations.

  • Exposure to European financial regulatory developments.

  • Professional development and specialist regulatory training.

  • Collaborative international working environment.

  • Flexible working practices and opportunities for career advancement.

Application Instructions

Interested candidates should submit an updated CV highlighting their experience in regulatory compliance, financial services legislation, and regulatory change management. Applications should demonstrate practical experience interpreting regulatory developments and coordinating their implementation within financial institutions or fintech organisations.

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