Senior Compliance Officer - FinTech

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