EML Payments

EML Payments is a global payments company, headquartered in Brisbane, Australia, and listed on the Australian Securities Exchange. We build secure, instant payment solutions that connect our clients to their customers, wherever money is in motion. Our products include banking, credit and disbursement services, earned wage access, gifts, incentives and rewards, and FX solutions. We operate in more than 25 countries, we combine the energy of a start-up with deep leadership experience

About the role

We're looking for an experienced compliance leader, based in the UK, to lead our global compliance assurance and testing function. This is a global specialist role within our Global Risk & Compliance team, providing independent review of control effectiveness across every regulatory domain and jurisdiction we operate in, including Australia, EU, UK, and US.

If you enjoy building testing frameworks from the ground up, turning complex regulation into practical methodology, and influencing senior stakeholders, this one's for you. 

What you will do

• Lead EML's global compliance assurance programme, setting the strategy, methodology and frameworks for testing across all regulatory domains in regulated markets.
• Plan and deliver risk-based testing across business units and regions, including testing for new regulatory requirements and regulatory change
• Provide independent assessment of control effectiveness and drive consistent testing standards across global operations
• Lead root cause analysis on findings and produce executive and board-level reporting on results, trends and assurance metrics
• Champion testing automation and technology to make assurance smarter and more efficient
• Lead, coach and develop a small team, building their capability in methodology, test scripts and best practice
• Partner with all three lines of defence, including Internal Audit and Risk, to ensure full coverage without duplication
• Support regulatory examinations across jurisdictions, from evidence preparation to embedding lessons learned

What you will bring

• Significant experience leading assurance reviews, issue validation and compliance testing programmes across multiple jurisdictions
• Strong knowledge of regulatory frameworks in at least one of our regulated markets (Australia, EU, UK and US), and the ability to apply common principles across them

• Ideally experience working with payments products
• Hands-on experience with compliance testing technologies, automation tools and assurance platforms, plus strong project management skills
• Excellent communication and influencing skills with senior leaders across business and risk
• Experience managing and coaching a team to deliver high-quality work on time
• ICA or other relevant professional certifications are a plus but not required.

What we offer

• Hybrid working
• Salary up to 110,000 GBP
• 25 days' annual leave, with an additional 5 days available once your annual leave is used
• Paid birthday leave and 2 paid volunteering days a year
• Enhanced parental leave: 12 weeks for primary carers and 4 weeks for secondary carers
• Private medical insurance fully covered by EML, including 24/7 GP phone and video access, specialist consultations, diagnostics and treatment
• An Employee Assistance Programme with up to 6 confidential counselling sessions a year
• A workplace pension scheme with company contributions 5% and employee minimum 3%, salary sacrifice scheme also available
• Income protection of up to 75% of salary and life insurance at 4× annual salary
• A Cycle to Work scheme through tax-efficient salary sacrifice
• Support with one relevant professional membership a year
• Experience with using AI and automation, including LLMs, to enhance the efficiency of business processes (desirable).

About EML

EML Payments is a global leader in the fintech space. Our mission is to create awesome, instant, and secure payment solutions that connect our customers to their customers, anytime, anywhere, wherever money is in motion. Our Purpose is to inspire transformative digital change for our customers and communities. 

As an issuer and processor, we provide our clients and partners with innovative alternatives to traditional banking solutions for reloadable and non-reloadable programs.

Our commitment to Equal Employment Opportunity

Integrated into our Core Values is EML's commitment to diversity, equity and inclusion. EML is committed to being a globally inclusive company where all people are treated fairly, recognised for their individuality, promoted based on performance and empowered to reach their full potential. We are agile, we are innovative. We take a partnership approach; we tailor solutions and place a strong focus on operational excellence. 

Our place is one of collaboration, teamwork & innovation. But, above all, it’s one that embraces difference. And rather than have you blend in, we want to help you unleash your full potential.