Regulatory Compliance Officer – Portugal

Regulatory Compliance Officer – Lisbon, Portugal

Corpay is hiring a Regulatory Compliance Officer within our Cross‑Border division. This role ensures our Portuguese operations remain fully compliant with applicable Portuguese and European regulatory requirements, combining hands‑on compliance oversight with strategic advisory responsibilities.

• Serve as the primary Regulatory Compliance Officer for Corpay’s Portuguese operations.
• Ensure compliance with Portuguese and European regulatory requirements, including Banco de Portugal (BdP), Comissão do Mercado de Valores Mobiliários (CMVM), AML/CTF, MiFID II, PSD2, and GDPR.
• Maintain, review, and update compliance frameworks, policies, and procedures to reflect evolving regulatory requirements.
• Support regulatory reporting obligations and liaise directly with Portuguese regulators as required.
• Prepare and provide compliance reporting, insights, and recommendations to the Board and senior management.
• Act as the appointed Money Laundering Reporting Officer (MLRO) for Portugal, receiving, investigating, and submitting Suspicious Transaction Reports (STRs) to the Unidade de Informação Financeira (UIF) as appropriate.
• Oversee AML/CTF monitoring systems to ensure timely, accurate, and effective monitoring and reporting.
• Conduct AML/CTF risk assessments and ensure compliance controls remain effective, proportionate, and aligned with regulatory expectations.
• Serve as the primary point of contact during regulatory inspections, audits, and AML/CTF reviews.
• Support implementation of global compliance and risk‑management frameworks within the Portuguese entity.
• Provide second‑line compliance oversight for new products, services, and client onboarding activities.
• Assist with compliance due diligence for clients, strategic partners, and third‑party service providers.
• Review, standardise, and implement compliance frameworks across acquisitions and business integrations.
• Develop and deliver compliance training and awareness programmes to promote a strong culture of compliance throughout the organisation.
• Partner with cross‑functional stakeholders to provide practical regulatory guidance while supporting business growth and innovation.

• 8+ years of experience in a regulatory compliance role within financial services, payments, fintech, banking, or another regulated financial institution.
• Previous experience serving as, or supporting, a Money Laundering Reporting Officer (MLRO) function in Portugal.
• Strong knowledge of Portuguese and European regulatory frameworks, including BdP, CMVM, AML/CTF regulations, MiFIDII, PSD2, and GDPR.
• Experience working directly with regulators and supporting regulatory inspections and audits.
• Demonstrated ability to advise senior leadership and business stakeholders on regulatory and compliance matters.
• Strong understanding of compliance risk management, governance, and internal controls.
• Excellent analytical, risk assessment, and problem‑solving skills.
• Strong communication and stakeholder‑management skills, with the ability to influence and collaborate across multiple business functions.
• Fluency in Portuguese and English, both written and spoken.
• BA/BS in Law, Finance, Business, Risk Management, or a related field (preferred).
• Professional compliance certifications (e.g., CAMS, ICA, ACAMS or equivalent) are advantageous.
• Experience implementing or supporting enterprise‑wide compliance frameworks and regulatory change initiatives (preferred).

Salary range: €58000 – €70000 per year. Final offer based on objective, gender‑neutral criteria including relevant skills, professional experience, and qualifications. Additional compensation elements, including variable pay, may be discussed during the recruitment process.

Corpay is committed to providing equal employment opportunities to all applicants and employees. Employment decisions are made without regard to race, color, religion, sex (including pregnancy), gender identity or expression, sexual orientation, national origin, ancestry, age, disability, marital status, genetic information, military or veteran status, or any other characteristic protected by applicable law. If you require reasonable accommodation during any part of the application or interview process, please notify a representative of the Human Resources Department.