Senior Compliance Officer – FinTech (CME 1&2 Certified)
York Towers · Riyadh, Riyadh, Saudi Arabia
- On site
- Contract
- SAR 150,000 / year
- Riyadh, Riyadh, Saudi Arabia
Job highlights
- Lead fintech compliance and risk management framework.
- Liaise with Saudi regulators (CMA, SAMA, FIU).
- Develop and implement AML, CFT, and governance policies.
- Oversee investor onboarding and digital transactions.
- Foster a culture of integrity and transparency.
About the role
Senior Compliance Officer - FinTech
York Towers is seeking a Senior Compliance Officer to establish, lead, and oversee the company’s compliance and risk management framework in alignment with CMA, SAMA, and AML/CFT regulations. This senior role ensures full regulatory readiness for licensing and ongoing operations, serving as the main liaison with Saudi regulators and the Board of Directors. The company is a regulated fintech platform transforming real estate investment through tokenization and fractional ownership, connecting investors with vetted, income-generating real estate opportunities.
Duties and Responsibilities
Regulatory Compliance
- Act as the Controlled Function – Compliance Officer under the CMA Authorized Persons Regulations (APR).
- Lead the company’s regulatory licensing process through the CMA FinTech Lab and subsequent Authorized Person (AP) approval.
- Serve as the primary contact for CMA, SAMA, and the Financial Intelligence Unit (FIU).
- Monitor regulatory changes and ensure continuous alignment with CMA circulars and guidelines.
- Oversee the registration of all controlled functions and notify CMA of any personnel or organizational changes.
Compliance Framework & Risk Management
- Develop and implement company-wide compliance, AML/CFT, and governance frameworks.
- Conduct periodic risk assessments, internal reviews, and AML audits.
- Ensure investor onboarding, digital transactions, and fund flows comply with regulatory requirements.
- Supervise compliance procedures related to investor onboarding, suitability assessment, and ongoing monitoring of investor transactions to ensure full adherence to CMA regulations and AML standards.
- Collaborate with operational teams to ensure transparent investor communication and proper handling of compliance-related escalations.
- Manage investigations and report findings or breaches to the Board and CMA.
Training & Culture
- Deliver training programs on ethics, AML, sanctions, and compliance to management and staff.
- Foster a culture of integrity, transparency, and compliance across all departments.
Qualifications & Experience
- Bachelor’s degree in Law, Finance, Accounting, or Business. Master’s degree or ICA certification preferred.
- Minimum 5 years of experience in compliance, regulatory, or legal roles within financial services or fintech.
- Proven experience working with CMA or SAMA-regulated institutions.
- Demonstrated ability to lead compliance frameworks and regulatory interactions.
Required Skills
- Strong knowledge of CMA regulations, AML/CFT laws, and FinTech Lab standards.
- Excellent understanding of governance, risk, and regulatory reporting frameworks.
- Strong leadership and stakeholder communication skills.
- High attention to detail and ethical judgment.
- Fluency in Arabic and English (written and verbal).
Required Certifications
- CME-1B, CME-2A, and CME-2B certifications required (exemptions apply for ICA Advanced Certificate holders).
- If not available, the company will sponsor the required CMA certifications before licensing.
Reporting Line
- Reports functionally to the Board of Directors and administratively to the Chief Executive Officer (CEO).
Key skills/competency
- Compliance Officer
- FinTech
- CMA Regulations
- SAMA Regulations
- AML/CFT
- Risk Management
- Regulatory Reporting
- Stakeholder Communication
- Corporate Governance
- Financial Services
Skills & topics
- Compliance Officer
- FinTech
- CMA Regulations
- SAMA Regulations
- AML
- CFT
- Risk Management
- Regulatory Reporting
- Financial Services
- Saudi Arabia
- Leadership
- Governance
- Legal
- Audit
- Tokenization
- Real Estate Investment
- Licensing
- Company Secretary
- Chief Compliance Officer
- Compliance Manager
How to get hired
- Tailor your resume: Highlight your experience with CMA, SAMA, AML/CFT, and FinTech regulations.
- Showcase leadership: Emphasize your ability to lead compliance frameworks and manage regulatory interactions.
- Demonstrate expertise: Detail your experience in financial services or fintech compliance roles.
- Prepare for interviews: Be ready to discuss your understanding of governance, risk, and reporting frameworks.
- Highlight certifications: Ensure your CME-1B, CME-2A, and CME-2B certifications are visible.
Technical preparation
Master CMA, SAMA, AML/CFT regulations.,Understand fintech licensing and reporting.,Prepare for risk assessment scenarios.,Familiarize with tokenization compliance.
Behavioral questions
Describe a complex regulatory challenge.,How do you foster a compliance culture?,How do you handle reporting breaches?,How do you manage stakeholder communication?
Frequently asked questions
- What are the required certifications for the Senior Compliance Officer role at York Towers?
- The Senior Compliance Officer role at York Towers requires CME-1B, CME-2A, and CME-2B certifications. Exemptions are available for individuals holding an ICA Advanced Certificate. If you don't currently hold these certifications, York Towers will sponsor you to obtain them before licensing.
- What is the company's stance on training for the Senior Compliance Officer position?
- York Towers is committed to fostering a culture of integrity and compliance. They deliver comprehensive training programs on ethics, AML, sanctions, and compliance for both management and staff, ensuring everyone is aligned with regulatory standards.
- What is the reporting structure for the Senior Compliance Officer at York Towers?
- The Senior Compliance Officer reports functionally to the Board of Directors, providing direct oversight and strategic guidance. Administratively, the role reports to the Chief Executive Officer (CEO), ensuring smooth day-to-day operations and alignment with executive leadership.
- What specific Saudi financial regulations must a Senior Compliance Officer at York Towers be knowledgeable about?
- A Senior Compliance Officer at York Towers must possess strong knowledge of CMA (Capital Market Authority) regulations, SAMA (Saudi Central Bank) requirements, and AML/CFT (Anti-Money Laundering/Combating the Financing of Terrorism) laws. Familiarity with CMA FinTech Lab standards is also essential.
- Does York Towers offer opportunities for professional development in compliance?
- Yes, York Towers supports professional development. They offer sponsorship for required CMA certifications if not already held by the candidate. Additionally, the company emphasizes delivering training programs to continuously enhance staff knowledge in compliance and related areas.
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