ZEN.COM is a smart financial app designed for your everyday life - at home and on the go. We make payments, online shopping, and personal finance management fast, secure, and effortless. With ZEN, you can enjoy cashback on purchases, full control over your spending, and peace of mind thanks to purchase protection. A built-in multi-currency account lets you spend abroad or shop internationally with great exchange rates and no hidden fees.

We are looking for a Country Compliance & Risk Officer

Location: Kyiv, Ukraine 

As Country Compliance & Risk Officer, you will be responsible for leading regulatory engagement and licensing processes, ensuring ongoing compliance with financial regulations, managing risk frameworks, and serving as the primary point of contact for regulators and payment partners.

Requirements

• Proven regulatory expertise with a strong track record in managing license applications, renewals, and ongoing regulatory engagement across payments, banking, crypto, and virtual assets sectors.
• In-depth knowledge of Country Financial regulatory frameworks, including licensing conditions, card scheme rules, AML/CTF obligations, and compliance best practices.
• Demonstrated experience working with regulators, card schemes (Visa/Mastercard), PSPs, and alternative payment methods (APMs) as the primary point of contact.
• Strong understanding of GRC frameworks, risk management principles, and second line of defence responsibilities in a regulated financial institution or fintech environment.
• Experience in developing and implementing risk and compliance policies, and aligning them with business objectives and regulatory requirements.
• Advanced knowledge of CDD/KYC/KYB processes, including risk-based approaches and alignment with internal risk appetite.
• Proven ability to advise senior leadership, communicate with cross-functional stakeholders, and present to executive and board-level committees.
• Strategic mindset with strong leadership and team management skills, capable of mentoring compliance professionals and fostering a culture of regulatory excellence.
• Excellent analytical and decision-making skills with the ability to anticipate regulatory exposure and proactively mitigate risk.
• Professional fluency in English (spoken and written) and Native speaker of Ukrainian.
• Be a Ukraine Resident.

Responsibilities

Licensing & Regulatory Engagement

• Manage all aspects of license applications, renewals and regulatory submissions, including but not limited to payments, banking, crypto, and virtual assets.
• Build and maintain strong relationships with financial regulators and authorities.
• Act as ZEN’s primary contact point for regulators, card schemes, PSPs, and APMs.
• Monitor regulatory changes and provide timely updates and analysis to internal stakeholders.

Compliance Oversight

• Ensure compliance with licensing conditions, regulatory requirements, and card scheme obligations for both issuing and acquiring.
• Oversee ZEN’s governance, risk, and compliance (GRC) framework.
• Own and implement all risk and compliance-related policies across the business.
• Provide regulatory input and professional advice to leadership, senior management committees, and the first line of defence.
• Manage AML/CTF compliance by ensuring appropriate policies, systems, and controls are in place.
• Ensure Customer Due Diligence (CDD), Know Your Customer (KYC), and Know Your Business (KYB) processes meet regulatory standards and align with ZEN’s risk appetite.

Risk Management & Leadership

• Serve as the Second Line of Defence Lead on regulatory, compliance, and risk projects.
• Collaborate with and guide the Risk Committee to define and monitor ZEN’s risk appetite.
• Embed and oversee the risk management framework across all business operations.
• Assess regulatory exposures and work with teams to mitigate compliance risks.
• Lead, develop, and mentor the compliance team while collaborating with the legal team to strengthen ZEN’s compliance culture.

What we offer

• The opportunity to lead ZEN.COM’s strategic expansion in Ukraine.
• A dynamic fintech environment with international exposure.
• Competitive compensation package with performance-based incentives.
• Autonomy and direct impact on shaping the company’s future in a challenging but high-potential market.