Payments and Cards - Compliance Specialist

Ebury helps ambitious businesses unlock global growth, and we take the same approach with our people. We encourage innovation and movement, collaboration and problem-solving, and foster an environment where everyone can feel they belong, are valued, supported and empowered to succeed. If you’re a collaborator who wants to help transform how businesses operate globally, get in touch - we’d love to discuss how Ebury can accelerate your career so you can shape the future. Payments and Cards - Compliance Specialist Ebury London Office - Hybrid: 4 days in the office, 1 day working from home per week What you’ll do: We are looking for an experienced Senior Manager to lead Ebury's payments and cards compliance capability. This is a senior, substantive role that sits within the Group Compliance function, reporting directly to the Group Compliance Director, with a dotted line to the Head of Product Compliance for coordination across the broader product compliance programme. You will have direct line management responsibility for any Payments & Cards Compliance Analyst as these may be recruited. The role is open in both the UK and Europe. Whether based in London, Madrid, or Brussels, you will operate across Ebury's full regulatory footprint — covering both FCA-regulated activities in the UK and NBB/EEA-regulated activities across the EU. You will need to be comfortable navigating both regimes simultaneously and advising product teams on where requirements differ, overlap, or are about to change. The reporting line into the Group Compliance Director reflects both the seniority of the role and the importance of having experienced oversight readily available as Ebury's payments and cards product suite — and its regulatory obligations — continue to grow in complexity. You will benefit from direct access to senior compliance leadership while working closely with the Head of Product Compliance on day-to-day product and systems oversight. You will be Ebury's primary first-line compliance expert for all things payments and cards — owning the regulatory compliance framework for this product domain, advising product and engineering squads on regulatory requirements, overseeing product launches and material changes, and managing relationships with relevant regulators, banking partners, and card schemes across both the UK and EU. You will also be the subject matter expert and escalation point for your analyst, actively developing their expertise and capability. This is a hands-on, expert role. You will be in the detail of regulatory requirements, product builds, and control frameworks — while carrying the authority and seniority to make and defend regulatory judgement calls independently. Key Responsibilities: Payments & Cards Regulatory Expertise: Act as Ebury's first-line subject matter expert on payments and cards regulation across both the UK and EU/EEA, covering: PSD2 and the incoming PSD3/PSR package; EMD2 and proposed EMD3; FCA payment services and e-money rules; the EU Instant Payments Regulation; SEPA scheme rules (SCT, SDD, SCT Inst); EBA regulatory technical standards (including RTS on Strong Customer Authentication, RTS on open banking, and guidelines on payment security under PSD2 Article 95); card scheme rules (Visa and Mastercard); Consumer Duty (UK) and equivalent EU consumer protection obligations; and DORA as it applies to payment institutions. Maintain deep, current knowledge of the regulatory requirements applying to Ebury's payments and cards products — cross-border payments, SEPA credit transfers and direct debits, local payment rails, multi-currency accounts, virtual and physical cards, bulk payment APIs, and embedded payments — ensuring this knowledge is translated into practical, actionable compliance guidance for product and engineering teams operating across multiple jurisdictions. Monitor and interpret regulatory change across both the UK and EU payments and cards landscape — including the EU PSD3/PSR legislative package