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About Swan is Europe’s embedded banking specialist. We empower software companies to embed banking features like accounts, cards, and payments directly into their products, under their own brand.Swan processes over €1.5 billion in monthly transactions for more than 150 companies - like Pennylane, Indy, Agicap, Libeo, and Lucca. Founded in 2019, the company has received growth capital from leading investors such as Lakestar, Accel, Creandum, Bpifrance and Eight Roads. Swan is a principal member of Mastercard and a licensed financial institution, regulated by the French banking authority (ACPR). Our mission Banking belongs in business software Many software companies already serve small businesses incredibly well: helping them send invoices, run payroll, manage inventory, and more. They’re on a mission to become the central hub for managing every aspect of business life. But when it comes to financial workflows, there’s still a gap. Too many critical tasks like managing cash flow, tracking payments, or reconciling accounts happen outside the software, across spreadsheets, email threads, banking portals. It’s a missed opportunity. Business software shouldn’t just record financial activity — it should run it. To learn more about us: About Swan ; Our story .   Job description As Head of Compliance you will oversee the company's regulatory obligations, and maintain an effective compliance framework that enables Swan to operate safely and in accordance with regulatory expectations across the jurisdictions where it operates. Key Responsibilities: Leads the Compliance function: AMLROs (including per-market / Central Contact Point coverage) and regulatory officers. Lead, structure, and develop a high-performing team of approximately 15 compliance professionals by establishing a clear operating model, effective management framework, and scalable ways of working. Create the conditions for senior experts to perform at their best through well-designed management rituals, transparent communication. Maintain and evolve the regulatory compliance framework (PSD2/CMF, EMI obligations, ACPR expectations) across home and passported markets, ensure consistent AML/CFT policy interpretation across jurisdictions. Own regulatory relationships and reporting; act as primary interface with ACPR and local competent authorities on compliance matters. Advise product, partnerships, and commercial teams on regulatory feasibility of new features, markets, and partner models. Document compliance opinions for the launch of new services/products or new activities, and new suppliers (critical suppliers). Track regulatory change; translate it into actionable requirements and timelines for the business. Propose revisions of risk mappings and the risk appetite framework Handle qualitative reporting to regulators (QLB), overseeing local regulatory reporting, and reporting to key suppliers (sponsor banks notably) Conduct compliance training and awareness sessions for staff. Help scale up the tools and processes to enable business growth in a safe and compliant environment. Provide compliance input to the leadership and governance bodies Manage regulatory examinations, inspections, and audits at the international level. Coordinate responses to regulatory inquiries and information requests. Launch local committees. Support licensing applications and regulatory approvals ✨ Your Team At Swan, you'll have the opportunity to join our dynamic compliance team, reporting to our Chief Risk Officer. Your team, currently consisting of ten members, is actively expanding. The Compliance team operates within a department Risk & Compliance alongside the Fincrime and Internal Control teams. In your role, you can anticipate close collaboration with the Sales, Ops and Product Teams, fostering an environment where cross-functional engagement is highly valued. Preferred experience   ✨