Compliance Specialist - Zinia

Compliance Specialist - Zinia

Country: Germany

Zinia is the new checkout lending platform of the Santander Group. Zinia makes shopping simple, offering the possibility of splitting payments into interest-free installments in a fast and transparent way, powering merchants across Europe using technology from Openbank and Santander Consumer Finance.

This is an exciting opportunity to make your contribution over a growing market within the business areas of lending, cobranded credit cards and buy-now-pay-later with a solid expansion across different countries with global leading merchants.

Zinia leverages the technological resources and expertise of Openbank, the digital-native bank of the Santander Group, which is currently rolling out its international expansion plans. Through a simple and flexible banking model, Openbank offers customers the possibility to manage their finances on the website or app.

Mission:

The Compliance Specialist will be primarily responsible for the implementation and enhancement of the compliance framework within Openbank. The candidate will ensure our organisation is compliant with legislation as well as internal and external policies and procedures.

Responsibilities:

• General areas of responsibility include advisory on regulatory matters, monitoring of business activities from a compliance perspective, training and education, drafting and revising policies and procedures, working on exams and inquiries and risk stewarding the business led assessments.
• Support the first line of defense in the execution of activities aimed at mitigating the compliance risks under your remit.
• Develop, implement, and enforce procedures and policies to ensure the organisation's compliance with industry and government regulations.
• Minimize reputational risk, particularly with respect to risks arising out of extensive and complex regulations.
• Identify and report all significant regulatory compliance breaches or gaps.
• Take action in dealing with noncompliance situations, creating realistic plans to overcome them.
• Conduct regular audits to identify potential weaknesses and noncompliance situations.
• Review regulatory feedback and customer responses to ensure that compliance issues raised in feedback are appropriately responded to and necessary corrective actions are initiated.
• Guarantee claims and complaints are dealt in accordance and within the framework defined by the Regulator.
• Set up conduct controls to cover the risks identified by the Regulator.
• Guarantee adherence with the new Consumer Directive regulation.

To be successful in the role you must have:

• +5 years of professional experience in a similar role.
• University Degree in Law and Business Administration.
• High level of English and German.
• Aptitude in decision-making and problem-solving.

What do we offer?

• Joining a dynamic and agile company undergoing international expansion.
• Working in start-up mode with the support of the Santander Group.
• Competitive remuneration and attractive benefits package.
• Possibility of growth within the company and the Group.
• Collaborating on international projects in different countries.
• Excellent work environment, social clubs and frequent events.

Would you like to grow with us? Join our team!

Openbank / ODS is an equal opportunity employer. All applicants will be considered as equal without paying attention to gender identity, sexual orientation, ethnicity, religion, age, political orientation, union membership nor disability status.

We make recruiting decisions based on your experience and skills. We value your passion to discover, invent, simplify, and build.

The personal data you provide as well as any data generated during the selection process are confidential and will be processed by Open Bank, S.A./ Open Digital Services, S.L. with registered office at Plaza de Santa Bárbara 2, 28004 (Madrid), for the sole purpose of managing your participation in the selection processes and, where appropriate, to formalise your recruitment.

For further information about your rights and data protection, please read the ODS/Openbank Privacy Policy applicable to this type of data processing here.