Compliance Manager — Authorised Payment Institution

Location: Remote Type: Full-time Salary: 85,000-95,000 PHP per month

About Us

We are an FCA-authorised payment institution providing Open Banking payment services (PIS and AIS permissions) to businesses across the UK. We're a lean, remote-first team, which means this role carries real ownership — you'll be the operational backbone of our compliance function, not one cog in a large department.

The Role

You will own day-to-day compliance operations across our regulated activities, ensuring we meet our obligations under the Payment Services Regulations 2017, FCA Handbook requirements, and UK financial crime legislation. You'll work directly with the CEO and act as the primary point of contact for regulatory matters, with scope to grow the function as the business expands into new products and jurisdictions.

Key Responsibilities

Regulatory compliance

Maintain and develop the compliance monitoring plan; execute periodic reviews and report findings to senior management
Ensure ongoing compliance with PSRs 2017, including conduct of business rules, and operational and security risk obligations
Prepare and submit regulatory returns (REP017, REP018, annual returns) accurately and on time
Monitor regulatory developments (consultations, policy statements, Dear CEO letters) and translate them into actionable changes

Financial crime

Support the MLRO in maintaining the AML/CTF framework: business-wide risk assessment, customer risk assessment methodology, and KYC/KYB onboarding standards
Oversee transaction monitoring processes and quality-assure alert handling and escalations
Maintain SAR procedures and support internal SAR reviews and NCA submissions
Keep policies current: AML, sanctions, anti-bribery, fraud (including APP fraud reimbursement obligations), tax evasion facilitation, proliferation financing

Policies, training and governance

Own the policy suite: draft, review, and maintain compliance policies and procedures with clear version control
Deliver compliance and financial crime training to staff and maintain training records
Support governance processes: management information, board reporting, compliance dashboards
Maintain the regulatory breach register, complaints log (DISP), and conflicts of interest register

Operational

Conduct compliance due diligence on partners, agents, and third-party providers; manage ongoing outsourcing oversight in line with regulatory expectations
Support client onboarding escalations and complex KYB cases
Assist with safeguarding reconciliations oversight and audit preparation
Contribute to new product approval reviews from a regulatory perimeter perspective

What We're Looking For

Good to have

2+ years compliance experience within a regulated payments or e-money firm (PI, EMI, or similar)
Working knowledge of PSRs 2017, EMRs 2011, FCA Handbook (particularly SUP, SYSC, DISP), and the Payment Services and Electronic Money Approach Document
Hands-on experience with AML/CTF frameworks under the MLRs 2017, including KYB/KYC, transaction monitoring, and SARs
Experience preparing regulatory returns
Ability to work autonomously — you'll draft, decide, and deliver without a large team around you
Clear, precise written English; comfortable drafting policies and regulatory correspondence

Desirable

Experience with Open Banking / PIS and AIS business models specifically
Familiarity with safeguarding audit processes
Exposure to the incoming UK cryptoasset regulatory regime or stablecoin-related compliance
Compliance qualification (ICA, CISI, or equivalent)
Experience in a startup or scale-up environment

Compliance Manager Authorised Payment Institution