Background

PhotonPay Group was established in 2015 and is headquartered in Hong Kong, with offices in Shenzhen, Shanghai, Hangzhou, the United States, the United Kingdom, Poland, Canada, and Singapore. PhotonPay Group provides payment solutions to businesses, including global accounts, card issuing, online payments, payouts, foreign exchange management, and embedded finance.

PhotonPay Group is looking for a compliance professional to join as Compliance Officer(Group Licensing and Policies). This is a hands-on role supporting the Group's licensing applications, regulatory projects, and compliance policy governance across different markets.

The role is suitable for someone who enjoys regulatory project management, compliance drafting, cross-border coordination, and working with both internal stakeholders and external advisers. The successful candidate will help drive day-to-day licensing and policy workstreams, manage documentation, track deliverables, and support the implementation of consistent compliance standards across the Group.

Prior experience in payment services, fintech, financial services, or digital assets would be helpful, but the key requirements are strong compliance fundamentals, attention to detail, good drafting ability, and strong ownership of assigned work.

Job Responsibilities

Licensing and Regulatory Projects

Coordinate and drive day-to-day licensing application workstreams across PhotonPay Group's business, including payment services, money services, fintech, and related regulated activities.
Prepare, organise, and maintain licensing application materials, including business plans, regulatory forms, compliance frameworks, AML/CFT documents, governance documents, organisational charts, policies, procedures, and other supporting materials.
Act as the central coordinator for licensing-related information gathering, document requests, stakeholder follow-ups, and submission readiness checks.
Work with internal teams, external consultants, legal advisers, and local compliance teams to track progress, resolve documentation gaps, and support timely completion of licensing deliverables.
Maintain licensing project trackers, document checklists, regulatory question logs, action items, and submission records.
Prepare and review draft responses to regulators, consultants, auditors, and external counsel for internal review.
Support regulatory research and gap assessments for new jurisdictions, products, business models, regulated activities, or licensing requirements.
Monitor regulatory developments that may affect ongoing or upcoming licensing applications, regulatory submissions, or Group policy requirements.
Prepare regulatory summaries, internal briefing notes, project updates, meeting materials, and management reports relating to licensing and regulatory projects.
Work with product, operations, technology, legal, risk, finance, and compliance teams to support the implementation of regulatory requirements arising from licensing applications or regulatory projects.
Identify and escalate key issues, delays, documentation gaps, or regulatory concerns in a timely manner.

Group Policies and Procedures

Draft, review, and maintain Group compliance policies and procedures, including AML/CFT, sanctions, customer due diligence, transaction monitoring, outsourcing, regulatory reporting, and other compliance-related topics.
Support the development of jurisdiction-specific or licence-specific policy addendums where local requirements need to be reflected.
Maintain policy inventories, version control records, review schedules, approval records, and implementation trackers.
Coordinate with local compliance teams and business teams to ensure policies remain practical, current, and aligned with business operations.
Support the roll-out of new or updated policies, including stakeholder consultation, follow-up, and implementation tracking.
Help standardise compliance templates, policy structures, and regulatory submission materials across the Group.
Support follow-up on policy-related action items arising from regulatory projects, internal reviews, external adviser feedback, or management discussions.

Requirements

Bachelor's degree in Law, Business, Finance, Accounting, Economics, or a related discipline.
5 to 8 years of relevant experience in regulatory compliance, licensing, AML/CFT, policy governance, or a similar control function.
Prior experience in payment services, fintech, e-money, money services, banking, financial services, or digital asset-related businesses would be an advantage.
Experience supporting licensing applications, regulatory submissions, policy drafting, compliance documentation, or regulatory project management would be preferred.
Good understanding of AML/CFT, sanctions, customer due diligence, transaction monitoring, and regulatory compliance requirements.
Strong drafting skills, with the ability to prepare clear and well-structured documents, including policies, procedures, project updates, regulatory responses, and internal papers.
Meticulous and organised, with good attention to detail and the ability to identify documentation gaps, inconsistencies, and follow-up items.
Good project management skills, including the ability to track deadlines, follow up with stakeholders, and manage multiple workstreams.
Able to work independently while collaborating effectively with teams across different jurisdictions.
Strong communication skills in English. Proficiency in Chinese would be an advantage.

Nice to Have

Experience with Web3, digital assets, stablecoins, blockchain analytics, Travel Rule, or crypto payment models.
Experience working with external consultants, legal advisers, auditors, or regulators.
Familiarity with regulatory requirements in Singapore, Hong Kong, the United States, the United Kingdom, Europe, Canada, or other major fintech markets.
Experience in a fast-growing fintech, payments, crypto, or financial services environment.

Preferred Attributes

Hands-on, practical, and willing to work through details.
Comfortable managing documents, trackers, timelines, and follow-up items.
Able to work in a fast-moving environment with evolving regulatory requirements.
Strong sense of ownership and accountability.
Able to balance regulatory requirements with practical implementation.
Clear communicator who can work well with internal stakeholders, external advisers, and cross-border teams.

Compliance Officer Group Licensing and Policies