Head of Risk & Compliance

About Bitstack

It all started with an idea in 2021. Initially built to democratize Bitcoin in France, Bitstack has gone from a simple product that invests spare change in bitcoin, to a crypto-native bank bringing a better way to save, spend, and grow money to our 300K+ users. We want to rebuild finance from the ground up to empower people to achieve financial freedom by participating in a more open and inclusive financial system. We’re a small, ambitious team of operators. We believe in moving fast, sweating the details, and creating products people truly love. At Bitstack, you’ll have the opportunity to shape not just our products, but the culture and practices of our entire organization. Bitstack is backed by YC, leading VCs like 13books Capital, Stillmark, Serena, and many more. We are building a product our users love and we are just getting started!

The Role

Bitstack is hiring a Head of Risk & Compliance to lead its risk and compliance function at a defining moment for the company. Bitstack is moving from a single-product offering to a multi-product platform, expanding across European markets, and transitioning from PSAN to PSCA (MiCA) registration. The compliance function sits at the centre of that evolution.

The Head of Risk & Compliance will own Bitstack's AML-CFT framework, regulatory positioning, and compliance operations end-to-end. This is a strategic and hands-on role with direct exposure to the co-founders and leadership team, and significant scope to shape how the function scales.

What You'll Be Doing

Regulatory & Governance Leadership

• Lead Bitstack's regulatory compliance strategy across MiCA/CASP, payments, and EMI activities.

• Build, manage, and continuously improve scalable governance, escalation, and internal control frameworks across entities and products.

• Primary point of contact with the AMF and ACPR, ensuring timely response to all regulatory obligations and requests, while securing, maintaining, and scaling Bitstack's regulatory licences across EU markets.

• Oversee regulatory audits, inspections, independent controls, and remediation plans.

• Support and monitor regulatory developments across MiCA, AML/CFT, PSD2, EMI, payments, stablecoins, and digital assets, and translate them into operational actions.

• Act as the primary TRACFIN correspondent and declarant, taking full ownership of suspicious activity reporting, enhanced due diligence processes, sanctions governance, high-risk customer management frameworks, and all related regulatory reporting obligations.

Risk & Compliance Operations

• Manage all operational AML and fraud compliance frameworks ( including KYC/KYB, EDD, PEP, transaction monitoring, sanctions screening, fraud escalation, adverse media reviews)

• Ensure compliance operations scale effectively as Bitstack expands across products and markets.

• Drive operational excellence across compliance workflows, tooling, SLAs, and remediation processes.

• Build dashboards, KPIs/KRIs, reporting, and governance processes to improve visibility and control.

• Strengthen Bitstack's internal control framework and operational risk management capabilities.

• Oversee third-party compliance providers, outsourced controls, and operational risk related to external partners and regulated service providers.

Product & Business Partnership

• Work closely with Product, Engineering, Design, Operations, and Customer Care to embed compliance into product development from day one.

• Translate complex regulatory requirements into pragmatic product and operational decisions.

• Act as a business partner to leadership teams while maintaining strong regulatory rigor.

• Support the launch of new products, markets, partnerships, and regulated activities.

Leadership & Team Building

• Scale and develop the Risk & Compliance organization as Bitstack grows.

• Recruit, mentor, and structure high-performing compliance, risk, and internal control teams.

• Build a culture of ownership, operational rigor, transparency, and sound risk management.

• Lead company-wide compliance training, awareness, and risk culture initiatives.

What We're Looking For

• 6+ years of experience in compliance, including significant senior-level exposure with management responsibilities, ideally within fintech, e-money, or digital assets.

• Strong working knowledge of AML/CFT, KYC/KYB, PSD2, EMI regulation, and MiCA/DASP frameworks; AMF certification (or equivalent) and ACAMS certification are a plus.

• Demonstrated experience managing regulatory examinations, independent audits, and external compliance relationships.

• Experience building or scaling compliance functions in a fast-moving environment - comfortable with ambiguity and high ownership.

• Strong product instinct - able to engage credibly with Engineering and Product teams and translate regulatory requirements into practical product decisions.

• Languages: fluent in French, professional working proficiency in English.

Interview Process

1. Introductory Call (45 min) An initial conversation with our People Lead and a member of the Risk & Compliance team to get to know you better, share more details about the role, and give you an overview of the process.

2. Business Case Interview with the CEO (60 min) An applied exercise on a topic relevant to the role — such as MiCA transition planning, an AML framework review, or a product compliance challenge — to assess your technical depth and practical judgment.

3. Interview with the Risk & Compliance Team (60 min) A deeper conversation with your future teammates covering day-to-day collaboration, technical experience, and team fit.

4. Behavioural Interview with the Leadership team (45 min) A conversation centred on your experiences, decision-making, and collaboration style. We'll discuss real-world scenarios to understand how you navigate complex compliance challenges, stakeholder dynamics, and cross-functional work.

Perks & Benefits

🌎 Work from our office in Paris (Bourse) or Remote

🕑 Flexible working hours

👩‍⚕️ One of the best health insurance plans with 100% employer contributions

🏄 Monthly team activities and annual offsites

🍉 Swile meal vouchers

🤑 Competitive salary based on experience & generous Bitstack stock options

Diversity & Inclusion

We hire talented and passionate people from all kinds of backgrounds, we don’t care about your age or where you studied. If you’re excited about the role but your past experience doesn’t match every bullet point in the job description, we still encourage you to apply. What matters most is that you’re a builder at heart, you share our values, and you’re enthusiastic about our mission.

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