Regulatory Compliance Officer 80-100%

Permanent employee, Full or part-time · Zurich - Hybrid

Are you ready to make your mark in fintech? At YAPEAL, we're looking for a forward-thinking Regulatory Compliance Officer to help us drive innovation, strengthen compliance integrity, and leverage automation to make regulatory processes smarter and more efficient.

Every regulatory analysis you conduct, every compliance framework you strengthen, and every automation initiative you lead will help shape Yapeal’s secure and innovative journey in fintech.

About The Role:

As Regulatory Compliance Officer, you will ensure that YAPEAL fully complies with applicable AML, tax transparency, and regulatory requirements while helping to modernize and automate compliance processes through AI tools and data-driven solutions.

You will report directly to the Chief Risk Officer (CRO) and collaborate closely with the Risk and Product teams, acting as the bridge between regulatory assurance, innovation, and operational excellence.

Expect a Day Full of:

Regulatory Compliance & Tax Transparency

Monitor and analyze regulatory developments, including new laws, FINMA circulars, and tax-related obligations (FATCA, AEOI, CRS)
Inform and advise management on key regulatory trends and their strategic impact
Process new regulations and circulars to keep internal guidelines and policies up to date
Enhance and monitor tax reporting processes, including the preparation and submission of reports to relevant authorities
Prepare audit-proof documentation of compliance activities and regulatory implementations
Coordinate and monitor outsourcing compliance in line with regulatory expectations
Develop compliance documentation and risk/compliance overviews for ExB and BoD Meetings

Innovation, Automation & Efficiency

Identify opportunities to increase operational productivity through technology
Lead or support projects to automate compliance and risk processes using AI and RegTech solutions (e.g. sanctions screening, fraud detection, or risk classification)
Ensure that all automated processes and compliance tools are regulatory-compliant and well-documented
Act as a tech-savvy compliance partner, supporting the continuous improvement of systems, reporting tools, and digital monitoring frameworks

AML / CTF Responsibilities

Conduct due diligence for new and existing clients in line with YAPEAL's risk classification
Oversee KYC and KYT processes and ensure the regular review of higher-risk relationships
Conduct regular reviews of high-risk customer relationships and monitor first-line control activities
Develop and deliver AML/CTF training to enhance compliance awareness across the organization
Continuously enhance the AML Compliance Risk Framework and reporting standards
Manage reports to MROS and maintain direct contact with competent authorities
Act as the competence centre for compliance requirements in new product initiatives and system functionalities

Who We’re Looking For:

Below you'll see our skill wish list. Don't worry if you don't check every box. We’re not about perfectionism from the get-go, but rather willingness to grow.

Motivated to take on responsibility in an agile and fast-moving fintech environment
Experience or strong interest in AI-driven automation and RegTech applications (e.g., process optimization, data analysis, RegTech tools)
Proven experience in Compliance and/or Risk Management, ideally in a financial or fintech environment
Proven experience of regulatory requirements, including AML, FATCA, AEOI
Fluency in (Swiss-) German and proficiency in English is a must
Proactive, analytical, and comfortable taking responsibility in a dynamic, innovative organization.

Why Join YAPEAL?

At YAPEAL, we’re on a mission to transform the future of finance, and we’re looking for visionaries like you to join our journey. Here’s why YAPEAL is maybe your place to be:

A Culture of Innovation and Flexibility
Be part of a collaborative, forward-thinking team that values creativity, flexibility, and customer success. At YAPEAL, every idea matters, and every voice counts. We give our people all the flexibility they need to thrive and succeed.

Unmatched Growth Opportunities
As an expanding company, your contribution will directly shape our success and market presence. This is your chance to grow with us and make a tangible impact on the future of finance.

If this sounds like the challenge you’ve been waiting for, we’d love to hear from you.

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About us

Based in Zurich, Switzerland, YAPEAL is revolutionizing the financial landscape with our embedded finance solutions. We empower businesses to seamlessly integrate financial services into their products, enhancing customer experiences and unlocking new revenue streams. Combining cutting-edge technology with Swiss reliability, we’re setting a new standard for digital finance. Join us in building a future that’s uniquely dependable, and consistently innovative.

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We look forward to hearing from you.

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