Regulatory Compliance Officer

As a Regulatory Compliance Officer at Bitstack, you report to the Head of Compliance and help oversee the company's compliance framework as a crypto-asset service provider (CASP) authorised under the Markets in Crypto-Assets Regulation (MiCA). You manage regulatory monitoring, draft and maintain internal policies and procedures, liaise with authorities, and manage compliance risks across the organization.

What you'll do

• Monitor regulatory developments applicable to crypto-asset service providers, including MiCA, DORA and the Transfer of Funds Regulation (TFR), assess their impact on Bitstack's business and provide actionable recommendations to senior management
• Draft, update and coordinate the approval of compliance policies and procedures, ensuring they remain consistent with applicable regulations and operational practices
• Review cases escalated by the AML/CFT analyst team and determine whether a suspicious transaction report (STR) should be filed with TRACFIN
• Draft and submit suspicious transaction reports via the ERMES platform, ensuring appropriate follow-up, record-keeping and responses to TRACFIN requests
• Handle all requests from public authorities, including judicial requisitions and tax authority requests, ensuring compliance with applicable deadlines and maintaining proper documentation
• Implement asset-freezing measures and submit related declarations to the French Treasury Directorate (DG Trésor)
• Prepare and submit regulatory reports, including the ACPR's AML/CFT questionnaire, AMF regulatory reporting and the annual internal control report
• Contribute to the development and regular updating of the AML/CFT risk classification and compliance risk assessment framework
• Monitor corrective action plans raised by the Head of Internal Control and prepare for internal and external audits as well as regulatory inspections
• Support the Tech and Product teams in launching new products, services and features by providing compliance input from the design stage
• Contribute to projects aimed at enhancing compliance tools, including KYC, screening, transaction monitoring and Travel Rule solutions
• Review marketing communications and partnerships to ensure compliance with regulatory requirements
• Design and deliver regulatory training for employees, including the annual AML/CFT training programme, and foster a strong culture of compliance throughout the company

What you bring

• A Master's degree (Bac+5) in banking and financial law, compliance, finance or a related field
• At least 3 years of experience in compliance within a crypto-asset service provider (CASP), a payment institution, a credit institution, a fintech company or a consulting firm
• Strong knowledge of the French and European AML/CFT regulatory framework
• Proven experience in preparing and filing suspicious transaction reports
• Experience liaising with supervisory and regulatory authorities, particularly the AMF, ACPR and TRACFIN
• Excellent drafting and analytical skills, with the ability to summarise complex information clearly in both French and English
• Ability to make complex regulatory topics accessible and understandable, and to collaborate effectively with technical and product teams
• Strong attention to detail, discretion, autonomy, good prioritisation skills and a keen interest in the crypto ecosystem

Nice to have

• Knowledge of MiCA
• A professional certification such as AMF, CCSF or ACAMS

What we offer

• Flexible working hours
• One of the best health insurance plans with 100% employer contributions
• Swile meal vouchers
• Competitive salary based on experience and Bitstack stock options

About Bitstack

Bitstack is a crypto-native bank serving 300K+ users, initially built to democratise Bitcoin in France and now offering savings, spending and wealth growth products. Backed by Y Combinator and leading VCs including 13books Capital, Stillmark and Serena, Bitstack is rebuilding finance from the ground up to empower people to achieve financial freedom through a more open and inclusive financial system.