Ensure independent oversight of compliance with Estonian regulations, MiCA requirements, and the Payment Institution (PI) framework.
Monitor regulatory developments and assess their impact on the business, providing clear guidance to stakeholders.
Maintain and periodically review compliance policies and procedures, ensuring alignment with regulatory expectations.
Execute a risk-based Compliance Monitoring Programme, including control testing and thematic reviews.
Identify compliance gaps, issue recommendations, and track remediation actions.
Maintain key compliance registers and documentation for internal and regulatory purposes.
Act as a point of contact with the Estonian FSA (Finantsinspektsioon) and support regulatory submissions, inspections, and requests.
Provide independent compliance advice to business teams, including review of new products and services (MiCA / PI scope).
Support licensing and regulatory authorisation processes.
Deliver compliance training and promote a strong compliance culture across the organisation.

Bachelor’s or Master’s degree in Law, Finance, Economics, or a related field.
Minimum 3–5 years of relevant compliance second line of defence experience within the Estonian financial services sector
Strong knowledge of MiCA, Estonian AML/CFT framework, and Payment Institution/EMI regulations.
Relevant professional certification(s) are strongly preferred (e.g., CAMS, ICA, ACAMS, or equivalent).
Fluency in Estonian (mandatory).
Fluency in English (mandatory).

Lead Compliance Officer

Key skills