Compliance Officer (m/f/d)

About Ivy

Ivy is a global API for instant bank payments. We enable businesses to accept instant bank payments - taking cards & wallets out of online transactions and reducing cost by up to 10x. Over 60 geographies worldwide are rolling out instant bank payment infrastructure right now. Ivy harmonises these regional bank payment schemes, bringing them to a single point of access.

• Our current team consists of payment experts coming from companies like Klarna, Trade Republic, Revolut, TrueLayer, Goldman Sachs, Morgan Stanley, McKinsey, BCG, Trustly.

• We have offices in Berlin, Munich and Helsinki

• We are working with many of Europe's fastest-growing retailers and innovators (e.g. hood.de, mytheresa.com, roadsurfer.com). 

• Up to today, we have raised $30M of funding from Valar Ventures and Creandum, renowned backers of fintech successes like Wise, Klarna, Qonto, N26, and Trade Republic. Founders and industry executives from Adyen, Pleo, N26, Mollie, and Plaid complete our stellar investor lineup

Your Mission

Build and maintain a best-in-class compliance program that supports Ivy’s rapid growth and licensing ambitions, that includes policies and procedures, frameworks and covers risk management principals to reduce risk to acceptable levels.

Your Responsibilities

• Maintain and enhance Ivy’s compliance policies, procedures, and internal controls

• Lead second-line monitoring and compliance testing programs (quality assurance)

• Ensure regulatory compliance for new product launches, markets, and services

• Risk management incl. Risk assessments

• Liaise with internal teams (product, legal, ops) to embed compliance into business decisions

• Maintain frameworks such as DORA, GDPR, PSD2, AMLD and FIN-FSA rules

• Prepare and support regulatory reporting and audits

• Manage license maintenance processes (e.g. FIT & proper updates, policies)

Your Profile

🔍 Experience & Expertise

• >4 years experience AML/Compliance within a regulated financial institution.

• Deep knowledge of Financial regulations, including DORA, GDPR and PSD2 requirements.

• Prior experience as compliance officer in a PI, EMI, or similar financial services firm.

• Strong understanding of risk-based approaches to KYB/CDD.

🌍 Language & Location

• Fluent in Finnish and English (both written and spoken).

• Must be based in Finland.

🛠️Preferred Skills

• Strong analytical skills and attention to detail.

• Excellent communication skills to engage with stakeholders.

• Effective project management skills to drive compliance initiatives.

The perks of working with us

• Make a real impact: Build a global technology winner challenging Visa & Mastercard. Shape the experience for our customers and us alike.

• On-sites and off-sites: We conduct company-wide 4x off/on-sites per year.

• The tools you need: We provide the best equipment for you to excel at your work.

• Upside: Every employee receives stock options.

• Flexible working hours: We value focus time. Encouraging everyone to minimise fixed meetings and leverage asynchronous communication.

• €1,000 for personal growth: Grow with your annual personal development budget.