About 10n Pay

10n Pay is a licensed Electronic Money Institution based in Bulgaria, building modern and secure payment solutions for the local and European markets. As a regulated fintech, we operate in a highly dynamic environment where compliance, security, and risk management are fundamental to everything we do.

We are looking for a Compliance Manager who will play a key role in maintaining and strengthening our compliance framework while working closely with Product, Risk, Payments, Finance, and Operations.

The Role

This position offers the opportunity to work at the heart of a growing fintech, ensuring that business initiatives are aligned with Bulgarian and EU regulatory requirements.

You will contribute to the development and execution of the company’s compliance program and maintain active communication with competent authorities, including BNB and SANS.

The role combines analytical work, regulatory monitoring, and day-to-day advisory support to the business.

Key Responsibilities

• Support the organization and effective functioning of the Compliance Department
• Perform the functions of a specialized office in accordance with Art. 106 of the Law on Measures Against Money Laundering
• Monitor and analyze regulatory developments (PSD2, AML/CFT, KYC, EU and Bulgarian legislation)
• Prepare regulatory reviews, compliance reports, and internal assessments
• Provide compliance and AML advisory support to business teams
• Participate in product and process development to ensure regulatory alignment
• Support communication with regulatory authorities
• Assist in drafting and updating internal policies and procedures
• Support compliance questionnaires and partner due diligence processes
• Contribute to AML compliance trainings and awareness initiatives

Profile

• Master’s Degree in Law
• 3–5 years of experience in compliance or legal roles within financial services (experience in payments/fintech is a strong advantage)
• Solid understanding of EU and Bulgarian regulatory framework (PSD2, AML/CFT, KYC)
• Strong analytical and problem-solving skills
• Proactive mindset and ability to work independently
• Excellent communication skills
• Fluency in English and Bulgarian

Why Join Us

You will gain hands-on experience in a licensed fintech environment, work closely with regulators and senior management, and contribute directly to building scalable compliance processes in a growing company.

If you enjoy working in a dynamic fintech environment where compliance is seen as a business enabler rather than an obstacle, send your CV in Bulgarian or English to jobs@10npay.com.

We look forward to meeting you.

Company Description:

10n Pay is a dynamic fintech company and a licensed Electronic Money Institution in Bulgaria, building the next generation of payment solutions for the local and European markets. We develop modern products that require a strong culture of security, compliance, and proactive risk management. Technology is at the heart of our product, and every sprint plays a crucial role in the quality of our services.

Role Description:

We are looking for a full-time, on-site Compliance Manager, located in Sofia. The role involves establishing and maintaining a comprehensive and effective compliance management system, as well as overseeing the Compliance Department. The Compliance Manager will work with other members of our team (Product, Risk, Payments, Finance and Operations) to ensure that all business activities are fully compliant with relevant regulations and legal obligations. Active relationship with competent authorities – BNB, SANS.

Our successful candidate needs to have:

• Master’s Degree in Law.
• At least 3-5 years of experience in compliance or legal-related roles in the financial services industry, with strong preference for exposure to the payments industry.
• Strong knowledge of the regulatory framework in the European Union and Bulgaria, including payment services (PSD), anti-money laundering (AML), combating the financing of terrorism (CFT), and know-your-customer (KYC).
• Excellent analytical and problem-solving skills.
• Effective communication and interpersonal skills.
• Fluency in English and Bulgarian, both written and spoken.

Key responsiblities:

• Responsible for the proper organization and running of the Compliance department.
• Performs the functions of a specialized office in accordance with art. 106 of the Law on Measures Against Money Laundering.
• Conducts regulatory review and compliance reports on a regular basis and provides legal opinion to all business-related matters.
• Analyses all relevant regulatory changes and presents impact assessment to the management.
• Provide compliance/AML support to the business to ensure compliance with regulations and/or external requirements.
• Participate in and support projects related to Compliance enhancements; close work and coordination with Product, Risk, Operations,
• Work closely with the business to fully understand various business models, platforms, and products in order to be able to advise on how best to improve or what needs to be implemented from a compliance perspective.
• Support and advise on compliance questionnaires/queries from partners (new and existing ones).
• Participate in meetings presenting the compliance
• Support as needed in AML compliance trainings, update or draft of policies/procedures to accommodate country’s specifics, respond to sponsor banks’ requirements, etc.
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If you enjoy working in a dynamic fintech environment, taking ownership of regulatory matters, and building strong compliance frameworks that support innovation, send us your CV in Bulgarian or English at jobs@10npay.com.

We look forward to meeting you!