Head of Regulatory - CDI (M/F)

Lemonway is a payment institution licensed by the ACPR, specializing in payment solutions for digital platforms, marketplaces, and alternative finance players.

Present throughout Europe, Lemonway supports hundreds of clients in managing the financial flows of their users, with a strong emphasis on compliance and security.

Within the Compliance & Risk department, the Regulatory function is a strategic pillar: it ensures Lemonway's compliance with its obligations as a licensed payment institution, manages relationships with regulators, and supports business evolution in a constantly changing regulatory environment.

The Compliance & Risk department is composed of 4 teams: Regulatory, AML, Legal, and Internal Control & Operational Risk. In this organization, the Head of Regulatory reports directly to the Chief Compliance & Risk Officer.

Your missions

Relationship with supervisory authorities

• Be Lemonway's primary contact with the ACPR and the European supervisors in the countries where Lemonway provides its services (passporting)

• Prepare and coordinate certain periodic French and European regulatory reports

• Manage responses to requests for information from authorities and assist the Chief Compliance & Risk Officer in managing regulatory inspections
  

Maintenance and evolution of the PSP license

• Oversee permanent compliance with licensing conditions: own funds, segregation of client funds, governance

• Handle applications for license extensions or new licenses related to the development of new services or geographical expansion

• Manage passporting procedures to new EU member states
  

Product & Business Regulatory Compliance

• Analyze the regulatory compliance of new client platforms as well as new projects from existing clients

• Be the point of contact for sales teams to provide operational advice on regulatory constraints related to certain types of clients, sectors, or merchants

• Integrate the regulatory dimension from the design phase of new products and services

• Ensure the company's compliance with GDPR

• Draft, maintain, and update internal regulatory policies and procedures
  

Regulatory Watch and Analysis

• Conduct proactive monitoring of the evolution of regulatory texts applicable to Lemonway as a PSP and to its client platforms, in France and Europe (PSD3, AMLR, ECSPR, GDPR, IA Act, DORA, instant payments, etc.)

• Analyze the operational and business impacts of new regulations and formulate clear recommendations to the relevant teams (Product, Tech, Sales, Finance)
  

Team Management & Development

• Manage and develop the skills of the current Regulatory Officer

• Structure and lead the Regulatory function with clear and scalable processes

Education

• Master's degree (Bac +5) in business law, banking and financial law, or equivalent

• CAPA (barrister) or regulatory compliance training
  

Experience

• > 8 years of experience in a regulatory advisory or compliance role within payment services, FinTech, or banking

• Previous management or team coordination experience
  

Skills

• In-depth mastery of regulations related to third-party payment collection and payment services (PSD2/PSD3, ACPR license, prudential rules)

• Good knowledge of emerging topics: ECSP, MiCA, DORA, IA Act, open banking, instant payments and VoP, etc.

• Experience with a licensing or license extension procedure with the ACPR

• Ability to translate complex regulatory texts into concrete actions for non-legal teams

• Rigor, sense of ownership, and proactivity

• Excellent interpersonal skills with diverse stakeholders (regulators, executives, operational teams)
  

Languages

• Fluent French (primary working language)

• Professional English required - C1 level minimum (internal procedures, interactions with European regulators, international partners)
  

Application Process

• Introductory interview with Sabina - Talent Acquisition Manager

• Interview with our Chief Compliance & Risk Officer

• AssessFirst

• Final interview with our CEO
  

Benefits

• Offices in the heart of Le Sentier (Paris 2nd arrondissement)

• Hybrid position (2 days remote/week)

• Swile card

• Alan mutual health insurance

• 50% coverage of Navigo pass/Vélib

• Access to Gymlib

• Syntec vacation bonus & RTT
  

Lemonway is committed to promoting diversity, particularly by fostering gender balance and employing people with disabilities.