Compliance Officer

Paynetics is a licensed e-money institution with a mission to offer payment solutions in an innovative way and change the world of payments. The company is a member of Mastercard, VISA, Union Pay, SEPA, SWIFT, which together with our internally developed products makes us one of the European leaders in payment solutions. Our portfolio includes eWallet (Phyre, A1 Wallet, Pay by Vivacom and others), the world’s first application, which turns any Android NFC-enabled device into a POS terminal without any additional hardware (PHOS), the first ApplePay and GooglePay card in Bulgaria and many others. Paynetics is a founder of the Bulgarian Fintech Association and has a subsidiary and an office in the UK. Due to our growing team, target markets and extended operations, we seek a motivated and talented Compliance Officer:


  • Draft/update the company’s compliance guidelines, internal processes and procedures;
  • Support the maintenance and review of the company’s effective compliance program;
  • Support the monitoring and review of the internal compliance controls;
  • Oversee various compliance investigations and corrective action plans, as needed;
  • Oversee, coordinate, and monitor part of the day-to-day compliance activities of the company;
  • Follow changes in and ensure ongoing compliance with the card schemes regulations;
  • Follow changes in and ensure the ongoing compliance with the local regulations of the payments industry;
  • Implement, perform, and monitor AML/compliance assurance supervisory checks;
  • Track analytics on compliance KPIs;
  • Create reports for the Compliance Team Lead and the Paynetics senior management team;
  • Represent the team in the communication with external stakeholders;
  • Work on optimizing core business processes from compliance aspect;
  • Work on achieving compliance of different business models;
  • Evaluate compliance risks;
  • Develop and implement various compliance controls.


  • 3+ years of experience in Compliance and AML/CTF;
  • Experience in Due Diligence and KYC;
  • Experience in compliance and/ or transaction monitoring;
  • Good knowledge of relevant EU and BG AML/CTF legislation and regulatory guidance;
  • Knowledge of BG and EU financial services regulatory framework (e.g. PSD2);
  • Knowledge of card schemes rules and procedures;
  • Excellent oral and written communication, interpersonal and analytical skills;
  • Critical problem-solving ability;
  • Self-motivated, innovative and a self-starter;
  • Team player;
  • Willing to do some ad-hoc tasks;
  • Fluent in English;
  • MS Office skills.


  • Experience in the e-money industry and with e-money products are considered a big advantage;
  • Experience in the e-commerce industry is considered an advantage;
  • Experience in internal audits;
  • Degree in Law or International Relations or equivalent;
  • Experience working in international environment.


  • Exciting job in a premium professional environment;
  • Work in a growing team with excellent perspective for professional development;
  • Opportunity to stay current with technologies and advancements in the field of the digital payments industry.

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