dtcpay Luxembourg S.A. is a licensed Electronic Money Institution (EMI) authorised by the Commission de Surveillance du Secteur Financier (CSSF). Operating at the intersection of traditional financial infrastructure and next-generation payment technology, we are in an active build-out phase — expanding our regulated product suite across the EEA and pursuing authorisation as a Crypto-Asset Service Provider (CASP) under MiCA. We are a lean, international team moving at pace, where every hire shapes the foundation of a regulated fintech with regional ambitions.

We are also recognised as one of Singapore’s Top 10 Startups in the LinkedIn Top Startups 2025 list, a reflection of our momentum and the exciting journey ahead for our team.

We are looking for a Senior Regulatory Compliance Specialist to join our compliance team. This role plays a key part in ensuring the organisation meets its regulatory and licensing obligations across all jurisdictions in which it operates. You will take ownership of regulatory workstreams, provide advisory to business stakeholders, and drive implementation of regulatory requirements into policies, controls, and operational processes. The role requires strong technical expertise in Payments, Digital Assets, AML/CFT, safeguarding, and data privacy regulations, as well as the ability to independently manage complex regulatory matters.

What You Will Do:

1. Compliance Operations

• Own and continuously improve the AML/CFT compliance programme, including transaction monitoring, CDD/EDD, sanctions screening, and suspicious activity reporting, in line with CSSF requirements and applicable EU laws and regulations (PSD2, 5AMLD/6AMLD, DORA, MiCA).
• Serve as primary point of contact for CSSF supervisory communications, periodic reporting, and ad hoc regulatory enquiries.
• Draft, maintain, and update compliance policies, procedures, risk frameworks, and regulatory documentation.
• Conduct and coordinate internal compliance reviews, gap analyses, and risk assessments; escalate material issues to the Authorised Manager and CCO.
• Oversee the customer onboarding review process for higher-risk profiles; lead or support EDD approvals in coordination with operational teams.
• Collaborate cross-functionally with Legal, Technology, Operations, and Finance to embed compliance controls into business processes and product development.
• Contribute to periodic and ad hoc reportings to the Authorised Managers and Board of Directors on the effectiveness of the compliance programme.

2. Global Licensing & Regulatory Projects

• Lead and actively manage the CASP licence application under the MiCA framework.
• Support multi-jurisdictional licence applications, renewals, and regulatory approvals across targeted markets.
• Prepare, review, and coordinate regulatory application documents, regulatory business plans, and supporting compliance frameworks.
• Monitor regulatory developments across digital asset, DPT/CASP, e-money, and payment services regimes globally, and translate these into actionable intelligence for the business.
• Engage directly with competent authorities and support external counsel and consultants on regulatory submissions.

What We Are Looking For:

1. Experience & Qualifications

• Minimum 6 years of experience in regulatory compliance within a regulated EMI, payment institution, digital asset business, fintech or financial institution.
• Demonstrated track record in AML/CFT/ regulatory compliance, including direct engagement with financial regulators (CSSF or equivalent).
• Hands-on experience managing or significantly contributing to licence applications across multiple jurisdictions simultaneously — candidates with EU/EEA experience are particularly welcome; broader international exposure (UK, UAE, MAS, SFC, US) is a strong advantage.
• Experience drafting and maintaining regulatory documentation: AML/CFT policies, outsourcing policies, risk frameworks, and regulatory business plans.
• A recognised professional compliance certification (e.g. ICA, ACAMS/CAMS, or equivalent) is required.
• Academic background and Master degree in Law, Finance, or a related discipline. Advanced degree (PhD) is a strong advantage.

2. Skills & Competencies

• High-level understanding of CSSF regulatory frameworks, MiCA/CASP regimes, and EU AML/CFT directives applicable to a regulated EMI.
• Ability to analyse complex regulatory information and translate it into clear, practical, business-relevant guidance with application of a risk-based approach.
• Strong written and verbal communication skills, with the ability to produce high-quality regulatory documentation and present confidently to regulators, senior management, and the Board.
• Autonomous, hands-on, and proactive working style; comfortable prioritising across multiple workstreams in a fast-moving environment.
• Strong interpersonal and stakeholder management skills, with experience working across diverse, international teams.

3. Languages

• English: Mandatory. Full professional proficiency in both written and spoken English is required for all regulatory, legal, and internal communications.
• Mandarin Chinese: Highly preferred due to close operational and strategic interaction with dtcpay's Asia-Pacific headquarters. Fluent Mandarin Chinese (written and spoken) is strongly valued and will be a significant differentiator.
• Spanish: An advantage given dtcpay's business development plans in Spanish-speaking markets. Fluent Spanish (written and spoken, B2 or above) is considered a meaningful asset.

dtcpay Luxembourg S.A. is an equal opportunity employer. We welcome applications from candidates of all backgrounds. Luxembourg work authorisation required.