Senior Regulatory Officer

Lemonway is an approved payment institution, at the heart of the new European economy.

The company secures online payments for crowdfunding platforms, the collaborative economy, marketplaces, as well as e-commerce players, with a strong commitment to fighting fraud and protecting funds.

Primarily regulated by the ACPR and holding European passport valid in 29 countries, Lemonway is headquartered in Paris and brings together 150 multicultural and committed “Lemonheroes”.

Today, over 400 platforms trust us. We manage 1.5 million user wallets after a KYC verification process.

To accelerate its growth and position itself among the leading Payment Service Providers (PSPs) in Europe, Lemonway has raised €50 million from Breega, SpeedInvest, and Toscafund.

Profitable since 2023 and aiming for 25% annual growth, Lemonway is constantly seeking new talents ready to take on ambitious challenges and eager to make history!

Within the Compliance & Risk department, the Senior Regulatory Expert joins the Regulatory team and contributes directly to Lemonway's regulatory compliance.

Job Responsibilities

Regulatory Watch and Analysis

• Ensure regular monitoring of regulatory developments applicable to PSPs in France and Europe (PSD3, MiCA, DORA, instant payments, etc.)

• Draft analysis notes on the operational impacts of new regulations for internal teams.
  

Support for Relations with Supervisory Authorities

• Contribute to the preparation of periodic regulatory reporting (prudential reports, own funds, activity declarations)

• Participate in the preparation of responses to information requests from the ACPR and European regulators.
  

Monitoring of Authorization Conditions

• Monitor compliance with PSP authorization conditions: own funds, segregation of client funds, governance

• Contribute to the processing of authorization modification files and passporting procedures.
  

Product & Business Regulatory Compliance

• Analyze new products and services from a regulatory perspective before their launch

• Update internal regulatory policies and procedures

• Respond to regulatory questions from sales, product, and tech teams on a daily basis

Education

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

• CAPA (lawyer) or Master's degree in financial law / compliance is a plus.
  

Experience

• > 5 years of experience in regulatory matters related to payment services, FinTech, or the banking sector.
  

Skills

• Good knowledge of payment services regulation (PSD2/PSD3, ACPR authorization, prudential rules)

• Strong interest in emerging topics: MiCA, DORA, open banking, instant payments

• Ability to draft clear and concise analyses on technical subjects

• Rigor, intellectual curiosity, and autonomy in work organization

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 the Regulatory team

• Motivation and personality test with Assessfirst and debrief with the HR team

• Final interview with our CEO

Benefits

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

• Hybrid role (2 days remote / week)

• Swile card

• Alan health insurance

• Access to Gymlib

• Syntec vacation bonus

• RTT (Reduction of Working Time) days

Lemonway is committed to promoting diversity, including by encouraging gender balance and the employment of people with disabilities.

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