Senior Compliance Officer; Saudi Nationals

About the Role

We are looking for a motivated and detail‑oriented Compliance Officer to join the regulatory and compliance team of our auto‑financing platform. This hands‑on position is suited for an early‑career compliance professional eager to grow within a fast‑moving fintech environment.

• Assist in managing compliance obligations across AML, KYC, consumer protection, and Fair Credit Terms aligned to SAMA frameworks.
• Support the preparation of regulatory submissions, examination responses, and licensing milestone documentation.
• Monitor regulatory updates from SAMA and translate changes into internal policy adjustments.
• Help ensure credit products, marketing materials and customer communications meet regulatory standards prior to launch.

• Maintain and update compliance policies, procedures and control documentation under the guidance of the CCO.
• Support the compliance risk register, control matrices and exception tracking workflows.
• Contribute to the company’s AML/CFT programme, including transaction monitoring, suspicious activity reporting and sanctions screening processes.

• Assist in ensuring all lending products adhere to SAMA’s consumer protection and Fair Credit Terms requirements.
• Support the complaint management and resolution process in line with SAMA standards.
• Review customer‑facing disclosures, contracts and fee structures for regulatory accuracy.

• Embed compliance controls into day‑to‑day operations and product workflows with guidance from the CCO.
• Deliver compliance training and awareness sessions for internal teams.
• Provide first‑level compliance advisory support to business lines on new products, campaigns and partnerships.
• Assist the CISO on data protection obligations under Saudi data governance regulations.

• 3–5 years of experience in compliance, regulatory affairs or a related role within financial services, fintech or banking.
• Foundational understanding of SAMA’s regulatory framework, including AML/KYC, consumer lending and data governance requirements.
• Saudi national – required.
• Full professional fluency in both Arabic and English – mandatory.
• Strong attention to detail, organisational skills and a proactive work ethic.

• Experience in a fintech, BNPL, digital lending or auto‑financing environment.
• Exposure to SAMA Sandbox compliance or licensing processes.
• Familiarity with Open Banking or data‑sharing compliance in KSA.
• Professional certifications: CAMS, ICA or equivalent (in progress or completed).

• Takes ownership and follows through without being chased.
• Is genuinely curious about regulation and wants to understand the ‘why’ behind every rule.
• Communicates clearly and confidently across teams and seniority levels.
• Thrives in a fast‑paced, startup environment where priorities can shift quickly.
• Has a collaborative spirit and contributes positively to the team culture.
• Is committed to doing things the right way – not just the easy way.