Chief Compliance Officer Denizen (BBVA Group)
Somos BBVA, una entidad financiera global con más de 66 millones de clientes, presente en 35 países. Nacimos con el espíritu de ayudar a las personas a tomar las mejores decisiones financieras para que puedan cumplir sus sueños. Este espíritu sigue hoy con nosotros y nos anima a seguir avanzando, primando la innovación y la transformación digital.
Denizen is a new Fintech incubated by BBVA in San Francisco to solve the financial life of expat citizens. Unlike other fintechs that focus on facilitating international payments, Denizen wants be the first to provide a fully digital global citizens financial experience with truly global coverage and isolating our customers from the complexity of managing multiple currencies.
We are currently piloting the idea with a small of customers in Europe and US group and we are preparing for launch. In Europe, Denizen will be operated through Denizen Global Financial SA that holds a payment license and we need to strengthen our Compliance team with a Chief compliance officer.
The incumbent will be responsible for managing Compliance risks within Denizen Spain, and for the Denizen business as a whole. He/She will have a solid line reporting into the BBVA SA Chief Compliance Officer (or appointed delegate within the Holding or the Spanish Country Compliance function). A dotted line reporting will also exist into the CEO of Denizen.
The person holding this position will be responsible for ensuring that Denizen Spain, and the Denizen business comply at all time with the applicable regulatory obligations and act within the boundaries of the BBVA Group governance and risk appetite.
The candidate must be a quick learner and possess the mental agility to understand the complexities of a
global start-up which is part of an established and strictly regulated banking conglomerate.
Within the scope of his/her responsibilities, the Denizen CCO will:
Provide strategic direction to the management team on compliance.
Implement the Group Compliance model and methodology, and embedding them into his/her daily activities, either making use of existing Group corporate tools or of Denizen tools, insofar as they are tested and approved by BBVA Group control functions.
Cooperate with other Compliance teams, namely the Compliance Holding unit and the Compliance units in those countries where Denizen is established or carries out business, as required for the execution of compliance plans and programs.
Perform Compliance risk assessments of the Denizen activities, initiatives and projects, and support
Denizen management and other Compliance functions in delivering Denizen business goals, in line with the BBVA Group risk appetite.
Establish annual Compliance plans, and follow up on their implementation.
Keep permanent detailed catalogs of documentary evidences resulting from the activity carried out.
Lead the development and implementation of policies and procedures related to the various compliance
areas of oversight in alignment with government laws, regulations and Group corporate policies and procedures.
Identify potential areas of compliance vulnerability and risk; develop/implement corrective action plans
for resolution of problematic issues, and provide general guidance on how to avoid or deal with similar situations in the future.
Co-operate with other Compliance initiatives at Group level, as and if required.
Coordinate efforts related to audits, reviews, and examinations.
Help identify, log, report/escalate and follow up until resolution any breach or cases of non-compliance with policies or regulations, as they relate to Compliance matters.
Experience: as a minimum, 5 years of experience as a Compliance officer, in the following areas: domestic and international payments, consumer lending, international anti-money laundering, conduct matters, conflicts of interest, bribery and other crimes prevention (Corporate issues) and Consumer Protection (Transparency). Previous experience in a Compliance unit for Financial Industry (MIFID/Markets knowledges) is an asset.Demonstrated knowledge of Spanish regulatory regime applicable to Denizen activities.
Strong relationship management, influencing, and negotiation skills.
Ability to interpret and advise on a broad range of regulatory issues on a variety of products and services.
Demonstrated ability to lead a team and to manage personnel, located in multiple locations.
Ability to operate with a great deal of autonomy and being the SME for the business.
Previous exposure to US regulatory regime is a plus.
This vacancy is for Denizen (BBVA Group)
En BBVA estamos orgullosos de ser una empresa en la que prima la diversidad e igualdad de oportunidades, independientemente del origen y condición de nuestros empleados y colaboradores.
La responsabilidad corporativa es inherente a nuestro modelo de negocio, impulsando la inclusión y la educación financiera y apoyando la investigación y la cultura.
Formar parte de BBVA significa desarrollar tu carrera en una de las empresas más innovadoras del sector financiero.