Compliance Business Officer - Payments & Customer Protection

Spendesk is on a mission to transform how finance teams work by creating intuitive solutions that make spending decisions faster and smarter. We’re looking for a Compliance Business Officer to join our Risk & Compliance team. In this role, you will support the business by providing practical, forward-looking compliance guidance across products, services, and commercial initiatives, helping ensure that innovation and growth remain aligned with regulatory expectations in a fast-moving fintech environment.About The RoleAs a Compliance Business Officer at Spendesk, you will play a key role in embedding compliance into business decision-making, product development, and day-to-day operations.Reporting to the Director of Risk & Compliance, you will work directly with Product Development team, draft compliance requirements for new features, and ensure product compliance.You will also partner up with Commercial, Operations, Legal, and other business teams to assess regulatory implications, provide actionable guidance, and support the design of compliant processes and offerings.This is a highly cross-functional role that requires strong regulatory expertise, sound judgement, and the ability to balance compliance expectations with business needs in a pragmatic and collaborative way.What You’ll Be DoingAssess the regulatory implications of new products, services, and business initiatives, and partner with product and business teams to embed compliance requirements from discovery through development.Identify potential compliance risks associated with existing or new offerings, and recommend appropriate mitigation measures.Review and validate commercial and communication materials to ensure they are aligned with applicable regulatory and compliance requirements.Contribute to the design, implementation, and continuous improvement of compliance policies, procedures, and guidance in collaboration with cross-functional stakeholders.What We’re Looking ForAt least 3 years of experience in a product compliance role within a financial institution, regulated fintech, payment institution, or e-money institution.Expertise working with card transactions, regulations and SEPA rules.Experience in advising business stakeholders on compliance matters.Ability to interpret regulatory requirements and translate them into clear, practical, and business-oriented guidance.Strong analytical and synthesis skills, with the ability to identify risks, exercise sound judgement, and formulate pragmatic recommendations.Excellent communication skills, with the ability to engage effectively with a wide range of stakeholders.A rigorous, proactive, and solutions-oriented approach.Not ticking every box? We’d still love to hear from you. At Spendesk, we value skills, potential and diverse experiences. If this role excites you and you believe you could contribute, we encourage you to apply.As we are an international team, please submit your application and CV in English.About Spendesk Spendesk is the AI-powered spend management and procurement platform that transforms company spending. By simplifying procurement, payment cards, expense management, invoice processing, and accounting automation, Spendesk sets the new standard for spending at work. Its single, intelligent solution makes efficient spending easy for employees and gives finance leaders the full visibility and control they need across all company spend, even in multi-entity structures. Trusted by thousands of companies, Spendesk supports over 200,000 users across brands such as Payfit, Accor, Welcome to the Jungle, Swile, Big Mamma, Malt and Yousign. With offices in the United Kingdom, France, Spain and Germany, Spendesk also puts community at the heart of its mission.For more information: our people & cultureWe believe that people do their best work when they’re given the freedom to thrive and grow. That’s why liberation is at the core of everything we do. We empower Spendeskers to take ownership of their work, to navigate ambiguity, and seize every opportunity. Spendeskers come from all over the world (35+ countries and counting!) but we have plenty in common: we're bold, ever-curious, committed to kindness, and tackle every challenge with a positive mindset. About our benefitsOur culture is built on trust, empowerment, and growth — with benefits to match!Flexible on-site policy : 4 days per month remote (non-accumulative) and 3 full weeks remote per year (non-consecutive)Lunch 60% funded by Spendesk (Swile Card)Alan Premium health insuranceA Gymlib pass to let off steam after a productive day at workAccess to Moka.care for emotional and mental health wellbeingLatest Apple equipmentGreat office snacks to fuel your dayA positive team to work with daily!Diversity & InclusionAt Spendesk, we're committed to fostering an environment where all differences are encouraged, supported and celebrated. We're building our culture for everyone, with everyone. Our goal is to attract and build a diverse, equal and inclusive team, where everyone feels welcome and we truly embrace and encourage people from all backgrounds to apply.