WHY PAYNOVATE
Paynovate is a Belgian fintech with more than 80 employees and a licensed Electronic Money Institution (EMI) supervised by the National Bank of Belgium.
We design and operate payment solutions for a wide range of industries in a fast-evolving and highly regulated environment.
After several years of rapid growth, the company is entering a new scale-up phase focused on strengthening governance, structure, and operational maturity.
Joining Paynovate means working in a dynamic fintech environment where compliance plays a central role in supporting sustainable growth.
CONTEXT
As a regulated payment institution, compliance and financial crime prevention are core to Paynovate’s operations.
We are looking for a Head of Compliance & MLRO to lead the Compliance function and ensure strong regulatory governance across the organization.
Reporting to the CEO and interacting regularly with the Board and Risk Committee, you will oversee the company’s compliance framework and lead a team of around 10 professionals covering regulatory compliance, AML/CFT and KYC operations.
WHAT YOU WILL DO
Lead the Compliance function
- Define and oversee Paynovate’s compliance framework in line with regulatory expectations and the company’s risk appetite
- Lead and structure the Compliance team, ensuring clear responsibilities and effective coordination across compliance activities
- Ensure the Compliance function operates as an independent and effective second line of defense
Oversee AML/CFT and Financial Crime
- Act as MLRO, overseeing the company’s AML/CFT framework and financial crime risk management
- Ensure effective monitoring, reporting, and remediation processes
- Supervise AML/KYC activities and guide the organization on financial crime risks
Compliance Risk Management
- Identify and monitor compliance risks in collaboration with Risk Management
- Maintain a risk-based compliance program and ensure policies, procedures, and controls are properly implemented
- Ensure the organization remains aligned with evolving regulatory requirements
Governance & Reporting
- Prepare and present compliance reports to senior management, the Board, and the Risk Committee
- Maintain constructive interaction with supervisory authorities
- Provide guidance to management on regulatory developments and compliance risks
THE RIGHT FIT
- Minimum 5 years of experience in Compliance roles, ideally within financial services, fintech, or payments
- Experience in AML/CFT and financial crime risk management
- Certification issued by Febelfin or Assuralia and validated by the FSMA is required for this regulated function
- Experience interacting with regulators or supervisory authorities is a strong asset
- Background in payments or electronic money institutions is a plus
- Strong stakeholder management and leadership skills
- Able to operate effectively in a fast-paced and evolving environment
- Fluency in English required; French or Dutch is a strong asset
WHAT WE OFFER
- A key leadership role in a regulated fintech
- Direct exposure to executive management and Board governance
- Opportunity to shape and structure the Compliance function in a growing company
- A hybrid work environment located next to Brussels Central Station
- A dynamic and entrepreneurial fintech environment
Top Skills
What We Do
Paynovate is a fully licensed Belgian e-money institution (EMI) that provides digital payment solutions for B2B businesses across all EEA member states and in the UK. It is a principal member for Visa, Mastercard and Bancontact-Payconiq. Paynovate’s single platform processes all payments with services such as acquiring (POS and e-commerce), issuing and banking. Paynovate is part of the Loyaltek Group and was founded in 2018.
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